Many people make the mistake of considering only tuition when calculating the cost of higher education. In fact, tuition and out-of-state fees are less than 50% of the total cost. Books and supplies, room and board, and other costs will account for the rest of the expense. Your financial advisor can help you estimate the cost of your child's education and develop a plan to pursue your goal through systematic savings and investments.

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The method you choose to fund your children's education will determine how much you have when they start school. Contribution limits and tax advantages play a role in the amount you can accumulate. Generally, the earlier your start to invest, the more you may end up with in the long run.

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If you think you lack the discipline to save, or your don't have a huge lump sum available to invest, you're not alone. But by making just a few small sacrifices, like giving up your morning cappuccino or dining out, you can save a small amount each month. And your savings can multiply. See for yourself how small savings each month can really add up.

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Find a financial advisor near you or call 1-866-295-7912 (select the financial services option) between 7 am and 7 pm CST Monday thru Friday to help sort through your options to determine the investment tools that best fit your needs and goals.