Resource Hub
Know the game before you play it
Plain-English guides on the three forces squeezing NJ families. Read first — then book the session that ties them together.
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The Family Squeeze, Explained
Watch the full walkthrough of how college aid, teen-driver insurance, and LLC & tax strategy collide for NJ families — and the order to tackle them in. The same framework behind every Family Success Action Plan.
- Why a sophomore is already on the FAFSA clock
- How one teen driver can contaminate your whole policy
- When an LLC is legitimate — and when it isn't
College & Financial Aid
The FAFSA Base Year, Explained for NJ Parents
Why the two-year-back rule means a sophomore is already on the clock — and what's still moveable.
Read the guide →Why Sticker Price Isn't Real Price
The 56% tuition discount almost no one talks about — and how to avoid subsidizing everyone else.
Read the guide →How to Appeal a Financial Aid Offer
Award letters are often a starting point, not a final number. How to appeal and recover real money.
Read the guide →Do I Make Too Much to File the FAFSA?
High earners often skip it — and lose money. Why you should almost always file anyway.
Read the guide →Teen-Driver Insurance
Why a Teen Driver Spikes Your Whole Bill
The "burning layer" problem — and the Business Auto Policy move that takes it out of your household.
Read the guide →What a Teen Driver Really Costs in NJ
Adding a teen can double your premium. What drives the cost — and what actually lowers it.
Read the guide →What Is a Business Auto Policy?
The BAP explained — and how an LLC-owned policy isolates a teen driver's risk.
Read the guide →Tax & LLC Strategy
Does an LLC Actually Lower Your Costs?
IRC §162, the "real business" test, and the three doors a legitimate LLC can open — done right.
Read the guide →529 Plan vs. LLC: How NJ Families Decide
They solve different problems. How the two interact for college funding and aid.
Read the guide →The Terms, Translated for Parents
FAFSA, SAI, base year, BAP, §162 — plain-English definitions of the jargon.
Open the glossary →Free Download
The NJ Family Squeeze Worksheet
A one-page worksheet to map your family's three forces — college timeline, teen-driver status, and business potential — so your session starts ten steps ahead.
What's inside
- Your FAFSA base-year clock, by child
- The teen-driver "burning layer" checklist
- The §162 "is it a real business?" test
- A coordination map for all three moves