About the Founder Judy Sciaky is a Certified College Funding Specialist (CCFS), and a Retirement Income Certified Professional (RICP). When asked what retirement income has to do with college planning, she always replies: “Just think about how old you will be when your youngest child graduates college. Retirement will be right around the corner.”Judy knows first-hand the effect that paying for college can have on your retirement. In 2008, she retired early from her media buying company thinking she was financially secure. She was recently widowed, and her daughter was an undergraduate at Northwestern. Then the stock market crashed. She realized that paying $50,000 a year to put her child through college while her nest egg was losing money, was a recipe for disaster. She immersed herself for the next year in getting educated about the college process and about saving her retirement. She became a CCFS through the Association of Certified College Funding Specialists (known as the National Institute of Certified College Planners at the time) and an RICP through the American College of Financial Services. Judy is dedicated to helping others avoid the mistakes she made.Judy is a member of the National Ethics Association and the Better Business Bureau. Judy with her daughter Monica About AP&G AP&G College Planning is the college planning division of AP&G Financial, LLC located in Montgomery County just outside of Philadelphia, PA. Since 2011, AP&G has been helping students get into the college of their dreams while making sure their parents can afford to pay for it without going broke.Our mission is to help find the best college to suit each student, help families get as much free money as possible, and help parents fund the remaining cost of college without draining their savings, jeopardizing their retirement, or incurring massive debt.AP&G specializes in families going through divorce. We work with lawyers and mediators to negotiate a divorce agreement that will maximize financial aid eligibility, minimize taxes, and create a fair split of college costs.