ROI Financial Advisors

5 Financially Smart Graduation Gifts

With graduation season upon us, it’s time to celebrate the achievements of our college graduates and support them on their journey into the next phase of their lives. 


While cash is often the go-to gift, there are other thoughtful and impactful financial gifts that can help set them up for long-term success. In this newsletter, we’ll explore five creative alternatives to cash gifts that can make a lasting difference.


1) Investment in Knowledge: Consider gifting a book or a subscription to a financial education platform. Encourage them to continue learning about personal finance, investing, or entrepreneurship, setting them up for a solid financial foundation.


2) Retirement Boost: Help them kickstart their retirement savings by contributing to an Individual Retirement Account (IRA) on their behalf. This gift not only demonstrates your commitment to their future but also takes advantage of the power of compounding over time


3) Professional Development: Assist them in their career growth by covering the cost of professional development courses, workshops, or certifications. These investments can enhance their skills and improve their long-term earning potential.


4) Debt Repayment Assistance: If your graduate has student loans, consider offering a gift that helps them pay off or reduce their debt burden. Whether it’s a one-time lump sum payment or a contribution towards their monthly payments, it can significantly alleviate their financial stress.


5) Building Credit: Help them establish or strengthen their credit history by gifting a secured credit card or paying for a credit counseling session. This gift can be instrumental in their future endeavors, such as renting an apartment or obtaining favorable loan terms.


Consider accompanying your financial gift with a heartfelt note or a conversation about responsible money management to ensure they understand the purpose and value of the gift.


As always, guidance and support are available to both you and your loved ones. If you have any questions or need assistance with financial planning for college graduates, please don’t hesitate to reach out.

Lance Johnson

ROI Financial Advisors, LLC
CEO & Investment Advisor Representative

o: 503.941.5925

f: 503.941.5927


a: 14675 SW Millikan Way Beaverton, OR 97003


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