Call me and find out how we can help you maximize your eligibility for aid and tax breaks, and lead you through the maze of decisions that every college-bound family must navigate.

We offer personalized one to one telephone and e-mail consultations.

For prices and services:


Or, if you are in the Northern New Jersey Area, attend one of my free educational seminars at a location near you.

Sooner or later you are going to have questions about financial aid and college financing. It does not matter who you are, how much you make, or the amount of assets you have,questions will arise!

Fortunately all you need to do to get answers to your questions is sign up with GFG.

If your Organization is interested in having Michael Gaer speak about College Financing and Paying For College at Your next meeting, please email us at


Because That Is What You Will Have To Pay Without The Proper Guidance!!
One of the most rewarding experiences in a parent's life is sending a child to college and four years later watch with pride as he or she graduates. Today, the cost of a higher education has skyrocketed beyond the ability of most parents to pay. Other than purchasing a home, paying for a college education is typically a family's single largest expenditure.

My name is Michael Gaer, I am the president of The Gaer Financial Group, Inc. GFG is a creative and innovative college financial consulting firm dedicated to making a college education attainable for all families.

Since 1990 I have dedicated my professional life to helping families achieve their college financial goals.

Discover what my clients have already learned: You do not have to wipe out your entire life savings to afford the best colleges.

Perhaps I Can Help!


Financial Solutions For College Education
Experts in Scholarships and Financial Aid
128 Summit Ave
Hackensack, NJ. 07601
201-291-2337 Fax-201-621-4487

The success of achieving a reduction in the cost of a college education requires the special knowledge of a financial advisor, one that understands the entire process of applying for grants, scholarships and low-interest loans. And with the introduction of several new tax laws, the financial advisor MUST understand the relationship between tax planning, investment planning and financial aid planning.

Most parents do not know how to go about saving and financing a college education due to a lack of legitimate information on the subject. But, if you, a parent of college bound children, are not maximizing your eligibility for aid or tax relief, HOW WOULD YOU KNOW?

Affluent College Planning
Rid Student Debt
College Saving Plans
Financial Planning