COLLEGE
CAREER SUCCESS
COLLEGE
& & CAREER
SUCCESS
Here at Ensphere College Planning Services, we are delight-
ed to tell the readers of In Community magazine who we
are, what we do and WHY we do it. About eleven years ago,
our Financial & Re�rement prac�ce began to realize almost
no nancial planning rm in our area properly prepared
families for the complexi�es and costs of college. The most
we saw were rms who told clients, “Put some money in a
529 Plan, and hope for the best.” Not the kind of advice
that made families very comfortable.
We looked into the cost of college and were shocked at
how fast those costs were rising. College costs have risen
faster than medical costs. One client with four students was
looking at over $640,000 in all. When I went to college at
PSU in State College the cost was around $2,400 per year.
Today, parents sheepishly admit they don’t have much of
an idea how to help their student choose a career, how to
pick a college or university, what forms need to be sub-
mi�ed when and where, and how much college will cost for
their students. They don’t have a clue how paying for col-
lege will affect the family’s nancial situa�on. Who borrows
how much, and should the student have skin in the game?
How much can a student actually borrow? Does this mean I
will be working longer than expected? Where can we turn
for answers to these ques�ons and all the other stuff we
have only heard about?
Relax, dear reader. Ensphere College Planning Services, LLC was
designed to answer all of the above ques�ons in wri�ng and
help you with every aspect of college preparedness. Our Career
Assessments are cu�ng edge and focus on the posi�ve traits of
all of our students. Our programs teach the student how to
search and locate their own path. We teach them to wrap their
own arms around their future.
SAT/ACT prep, student essays, every college applica�on, FAFSA
and Prole lings, price nego�a�ons with universi�es, and
much more are all part of our comprehensive services.
College Planning, Financial Planning, Re�rement Planning and
Legacy Planning are led by top professionals with MBAs, CFPs,
ChFCs, and more years of experience than we care to men�on.
I want to leave you with these thoughts. The Ensphere Group of
Companies has assisted over 600 families in southwestern
Pennsylvania. Every family we work with is beyond special to us.
Many of our clients have become personal friends of our office
personnel. We know how to help you; we love having an almost
immediate posi�ve impact on our client families. All of us at
ECPS look forward to doing our part and mee�ng those special
families who are raising the next genera�on of community lead-
ers.
‐ Michael Giffin, President & Founder of Ensphere
Is Your Family On Track?
Upcoming Workshop in Your Area!
Tuesday, February 20th at Moon Township Public Library
Tuesday, April 24 at Cranberry Public Library
Tuesday, March 13th at Robert Morris University
from 6:30‐7:30 PM
from 6:30‐7:30 PM
Save your seat at www.enspherecps.com
Can’t make a workshop? A�end an online webinar!