College Planning & Research Group

Dynamic College funding and planning

Helping families since 1990


About About About


If you are looking for assistance to address the issue of the high cost of college, then look further and see if you belong to the following category:
  • You belong to the "Late Stage" group, meaning you have children who are a few years away from going to college;  
  • You belong the "Early-Stage"  group, meaning you have children who are young and you have time to seriously consider saving for college and maximizing the effect of saving for college;
  • You are a business owner and have few employees or a self-employed parent,
 then, read further...  

The Issue

COA (remember this acronym).  It stands for Cost of Attendance.  Get yourself acquainted with the cost of attendance.  This comprised the following: Tuition, Fees, Books,  Miscellaneous Expenses, Transportation. For academic year 2017-18, the COAs of the top educational institutions in the US are in the $67,000 to $70,000 (wow, I attended college night/day fairs this October 2018 and have seen COAs at $74,000+).  When you check online, you will see a wider range of COAs charged by publicly funded colleges and universities ($25,000 to $37,000+).  
There probably is no stopping to the ever increasing tuition and other fees on an annual basis charged by schools. In 1990, the year we started
our service, the COAs of the top universities and colleges in the US were in the $26,000 range. As of academic year 2017-2018, the COAs of those
same institutions are in the $70,000+ range (check their published COA)! With this amount, can you afford to let your student over-stay in their
       undergraduate years, meaning 5 or more instead of 4 years?


Welcome to our website and thank you for visiting!

  • We have been helping families find solutions to their college planning and college funding problems since 1990.  
  • Our expertise and  years of experience might offer your needed solutions and ways to tackle the high cost of sending a child through college to finish their undergraduate degree after which comes next, is post-grad studies, if ever!
When cost is an issue to you and family, check us out.  We might be able to help you.
   1)  We specialize in "late-stage" college planning.
   2) For parents who are business owners, learn how you can maximize strategies unique to you.
   3) For parents with young children, learn about our "early-stage" college planning and college funding strategies.

Avail of our no-obligation consultation meeting and explore possibilities.  Contact us now!  

Scroll to learn more... 


Enric Pasculado, CCFS, USPTA

Founder - College Planning & Research Group, Certified College Funding Specialist (Association of Certified College Funding Specialists) Instructor - College Funding Educators of America

Enric has been helping families by providing them solutions to their college planning and college funding concerns since 1990. He is also licensed with College Planning Relief (CPR). Enric is a volunteer instructor of College Funding Educators of America, a 501(c)3 nation-wide organization.

Read More

Jodi Eramo, CPA

Tax Planning Consultant of CPR

Tax planning expert of College Planning Relief (CPR) providing support to Enric.

Troy Lum, Ed. D.

Higher Education Expert, College Admission Consultant - CPR

Experienced college admission consultant - providing expertise in the admission process.


Student Solution

Plan, Action Guidance

Learn More

Parent Solution

Know, Evaluate, Fund

Learn More

Tuition Strategy Consulting

For "The Earlys", "The Lates", The Business Owners, and The Families with Student-Athletes

Learn More

Creating Your Family Bank

Yes, create your own bank.. > Recoup those interest charges from lenders > Eliminate debt > Fund College education > Increase your retirement fund > Minimize on taxes

Learn More

Industry leading Career Matchmaker Assessment

Learn More

Career Exploration

Learn More

Student College Portfolio

Learn More

Renowned SAT and ACT Test Prep Program

Learn More

Detailed Scholarship Search Tools

Learn More


Our Clients Students

... attend or graduated from these Colleges and Universities:

List of some of the competitive schools in the USA

Learn More

... came from these schools in the local area and other localities

Local schools and other localities

Learn More

Your Family Bank

Your Family Bank Consultant: Enric Pasculado
Tel: (713) 532-8600 or  Text and call (832) 228-2691

Your Family Bank

What if.. 

I could show you how to get our of debt in 9 years of less, including your mortgage, without spending any additional money than you are spending right now?

What if we could teach you you how to...

  • Reduce the volume of interest you are paying to lenders
  • Get out of debt in 9 years or less
  • Improve  your cash flow
  • Decrease taxes
  • SAVE for college
  • Retire with tax-favored income

Do contact me and explore your possibilities!   Email:  or   text/call at (832) 228-2691

College Night Events

  • 11/13/2018 09:34 PM
  • Friendswood, Texas, USA
  • 10/04/2018 06:00 PM
  • Sugarland-Howell Rd., Houston 77083
  • 10/02/2018 01:00 PM
  • Stafford, Texas
  • 11/14/2017 06:00 PM
  • Robert Turner College & Career HS : 4717 Bailey Rd., Pearland, TX 77584

CPRG is participating in this event. We hope to see you there!

Read More
  • 11/04/2017 10:30 AM
  • University Branch Library - located at 14010 University Blvd. Sugar Land, TX 77479

"Tackling the Runaway Cost of College"

Read More
  • 10/10/2017 01:00 PM
  • Stafford MHS

CPRG will be participating. We hope to see you there!

Read More
  • 10/09/2017 06:00 PM
  • Rosenberg, Texas

CPRG will be participating. We hope to see you!

Read More
  • 10/05/2017 06:00 PM
  • Alief Taylor High School

To be participated by all Alief ISD High Schools and CPRG will be there. We hope to see you!

Read More
  • 10/02/2017 06:00 PM

We are participating in the College NIght

Read More

Free Workshop

College Planning and Funding Workshop "Tackling the Runaway Cost of College"



Webinar 1: Nov. 14, 2018, 7pm - Effective College Preparation for better Positioning

This webinar is designed for parents of middle school students. Preparing for college becomes more hands on as students transition to four years of high school.

Learn More

Webinar 2: Feb. 6, 2019, 8:30pm CST - Financial Planning: Fiscal Responsibility for the College Bound Student

The prepared college-bound Student almost always will minimize the Parents' out of pocket cost of college.

Learn More

Webinar 3: TBA. Do visit us regularly.


Learn More

Webinar Registration

Our webinar is a full  60-minutes of information and education that most parents, grandparents, guardians, and students can use.  Make time to listen in.  We're glad that you are visiting our website;  most importantly, thank you for registering to our webinar.

Enric Pasculado, CCFS


  • 14090 Southwest Freeway, Suite 300, Sugar Land, TX, 77478
  • 90am to 4pm Monday - Thursday 12n to 4pm - Saturday