Determining, Reaching, and Protecting Your Dreams



We believe there are three parts to your dreams

Determining Your Dreams

Reaching your dreams

Protecting your Dreams

Determining your Dreams

Does your student have a dream of attending college? IFB Financial can educate you – parents and students – how to get the best education possible at the lowest costs. We do this by working through our team approach with our strategic partners, parents, and students where IFB Financial is the coach guiding the process.

Did you know that more than 50 percent of college students drop out of college and the average student takes 5 ½ – 6 years to obtain their undergraduate degree? However, IFB Financial can help reduce the time to obtain a degree and to position your family to pay less for college. More than 85 percent of our students graduate and receive their undergraduate degree on average, in about 4 ½ years. This provides a significant savings to your family.

Time is critical in getting started because the key is understanding the academic, social, and financial aspects of this complex college planning structure. Our expertise helps to position students to get into a college compatible with their goals and dreams and advise parents how to position themselves financially to pay the lowest possible cost.
The best time to enter our program is in the student’s freshman year of high school or fall semester of the student’s sophomore year; although we can help all high school students. To get the maximum benefit from our program, however, it is important to start early and not delay until the student’s junior or senior year.

Reaching Your Dreams

How do we help you and your students obtain your college dreams and goals? Once enrolled in our comprehensive system, we begin with career planning and guidance for your student. This helps your student identify their interests and more importantly, what they are not interested in doing. Following our system, your student will receive:

  • Career Planning & Guidance
  • College Search & Selection Assistance
  • Admissions Counseling
  • Campus Visit Details
  • SAT / ACT Test Preparation
  • Professional Assistance – Financial Aid Applications
  • Award Letter Evaluations & Appeals
  • Private Sector Scholarship Assistance
  • Hands-On Guidance and Support
  • Recommendations on how to lower your family’s Expected Family Contribution (EFC)

Regarding recommendations to lower your family’s EFC, however, it is directly predicated on when your student enrolls into our program. The longer you wait the less flexibility you have as a family to pay less for college. That is why enrolling in the freshman year or the fall semester of the sophomore year provides your family the best opportunity to obtain the maximum value from our program.

We only work with committed and serious students and their parents – we do now work with everyone, and you must qualify to be enrolled – and if you are committed and serious about obtaining an undergraduate degree, we can help you. If you follow our recommendations, we guarantee the following benefits for your family:

  • Recommendations will position your family to lower your EFC
    • Maximize eligibility for aid
  • Match students with 6 compatible colleges
    • Ensures higher probability successfully completing degree
  • Provide line-by-line FAFSA/CSS/Profile answer key
    • Ensures FAFSA correctly completed 
  • Review aid awards & provide appeal guidance
    • Increase potential for successfully appealing financial aid awards

Now that your family is on the journey to accomplish your college dreams, there is one more service we offer, and that is protecting your dreams.

Protecting Your Dreams

While IFB Financials’ primary focus is on helping your family pay less for your children’s dream college, there is one more critical issue that your family needs to address, and that is how to protect your dreams.

To lower your family’s EFC, we use two financial instruments to legally shelter your assets from the college’s Financial Aid Office, and thus potentially lowering your EFC. These two instruments are the only financial instruments that can legally and ethically be used. Consequently, at IFB Financial we are also professional independent insurance brokers and agents currently licensed in several states and we are on track to be licensed nationwide.

These financial instruments provide greater value than just sheltering your assets. They also protect you, your family, your assets, your business – all of your dreams in case of a catastrophic event.

We know that protecting yourself and your family financially may not be your priority because of life’s circumstances, but we are here to help guide that conversation with you and your family and help you determine what is the best approach to protect you, your family, and your dreams.

Living your life comes with challenges, changing family issues, stress from a variety of sources, and other issues including financial problems you need to handle. This is one of the reasons IFB Financial exists – to serve you and to assist you and your family address the financial challenges you face in working towards your dreams.

We can guide you on how to protect yourself and your family from the triple threat facing every individual and family throughout the world:

  • Dying too soon and leaving your family unprotected;
  • Living too long, and running out of money; and,
  • Getting chronic, critically, or terminally ill or critically injured, and not having the money to pay bills.

Time is critical and the time to prepare your for your future is now. When we discuss our recommendations to lower your EFC, we will also help you look at the wider family protection issues, so you can make informed decisions on how to protect yourself, your family, and your family’s dreams.

Let's Dream Together
601 16th St Ste C328, Golden Colorado, 80401-1979
+1 (833) U-DREAM-2

+1 (833) 837-3262


IFB Financial, LLCdoes not offer tax, legal, or investment advice and the material contained on this website should not be construed as tax, legal, or investment advice. Please consult with your attorney, accountant, or certified financial planner prior to acting on any recommendations provided by IFB Financial, LLC.