College Funding with Stock Options and NQDC Plans

For employees with stock options or nonqualified deferred compensation (NQDC) plans at work, and are offering guidance on how to successfully save for college.

Troy Onink, a college-funding authority and Forbes blogger, has written a series of articles for the Web sites, explaining the issues and steps involved in using these forms of compensation to meet the costs of university tuition.   

On, the three-part series Funding Your Child’s College Education With Stock Options And Other Stock Grants explains:  

  • The impact of equity awards on financial aid eligibility
  • The basics of gift tax and the tax treatment of stock compensation in the financial planning for higher education
  • Methods to minimize capital gains at sale, planning for the kiddie tax and education tax credits, and strategies that students can use

On, the two-part series College Financial Aid & Funding With Nonqualified Deferred Compensation explains:  

  • NQDC in the context of eligibility for need-based financial aid
  • The ways in which NQDC income deferrals and distributions by parents affect a student’s eligibility for financial aid
  • Impact of NQDC on eligibility for the American Opportunity Tax Credit
  • Financial-planning strategies with NQDC that can help your cash flow for meeting college expenses.  

Content on and is suited for licensing by companies, stock plan providers, and securities firms for training, research, and ongoing education. For more information, visit, email, or call 617-734-1979.