Smart Ways to Access Cash, Give Appreciated Stock & Navigate FAFSA 2026–27

In this episode of the Planned Solutions Incorporated Podcast, we explore smart financial strategies for accessing cash, tax-efficient charitable giving, and an important FAFSA update for families with family-owned businesses and farms.💰 Need a large amount of cash? We break down the pros, cons, costs, taxes, and risks of using savings, investments, home equity, investment-backed borrowing, or a 401(k) loan—and why planning ahead can help you avoid unnecessary borrowing or selling investments at the wrong time. 🎁 Give smarter with appreciated stock. Donating appreciated securities directly to a qualified charity may help you avoid capital gains tax while potentially allowing a deduction for the stock’s fair market value. We discuss important holding-period, documentation, and recordkeeping considerations.🎓 FAFSA Update for 2026–27: Qualifying family-owned businesses and farms are generally excluded from the parental asset calculation if they meet the employee and family-ownership requirements. However, business income, wages, and other income can still affect financial aid eligibility.Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -We are now taking registrations for our annual charity golf tournament. The deadline to register is Monday, September 28th, 2026. Giveaways for the tournament are being delivered daily, and we are gathering donations for the silent auction. We hope you will be able to attend (either golf or the reception) or donate to a cancer charity to support our efforts.The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf TournamentDate: Friday, October 9th, 2026Location: Rancho Murieta Country Club – North Course 7000 Alameda DriveRancho Murieta, CA 95683Time: 1:00pm shotgun start, 5:30pm receptionAll profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the reception.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠[email protected]⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com