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Here at The Creek Cookies and Cream, itʻs all about making your day a little better by creating one of our tasty ice cream creations just for you. How about an ice cream cookie sandwich made with our fresh baked cookies? Maybe try our warm ice cream bowls where we bake brownies and chocolate chip cookies in the bottom of a tin. Then you fi ll it high with ice cream and toppings. On the go? Weʻll make you a refreshingly epic milk shake.

Cones? We gotʻm. Waffl e and Sugar. Ice Cream Sandwiches sure stack up so stackʻm high and let the good times fl y.

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YOUR GUIDE TO LOCAL DINING

THE CREEK COOKIES & CREAM By Jamie Killin locally sourced from Phoenix-based Karen’s Kreamery.

The Creek Cookies & Cream provides a small town, neighborhood Popular and permanent flavors include feel, retro decor and cozy atmo- strawberry shortcake, bourbon toffee sphere that offers a break from dime caramel crunch, cookies and cream and a dozen, commercialized ice cream the dairy-free raspberry pomegranate parlours. sorbet. Regulars may also encounter the shop’s variety of rotating flavors such Even better, there’s a drool-worthy cre- as cotton candy and biscoff cookie. ation for everyone — from the Disneypopularized dairy-free Dole Whip to Regardless of which of the endless gluten-free cookie sandwiches. options you choose, it’ll be served with a smile by one of their friendly and Best-loved creations include the Rice energetic staff members. Krispies Cream Sandwich, which features two freshly made rice krispy On weekdays, the shop opens at 2 p.m. treats, an ice cream of your choice but guests can enjoy their frozen treats and a variety of customizable sweet beginning at noon on Saturdays and toppings as well as the Dough Cream Sundays. The shop closes at 9 p.m. Sandwich which features the ice cream most nights, but stays open until 10 of your choice sandwiched between p.m. on Fridays and Saturdays. two pieces of a warm, glazed donut and topped with your choice of sprinkles or The Creek Cookie’s & Cream is located candy. at 2824 N. Tatum Blvd. Suite B1 in Cave Creek. For more information, For more classic ice cream lovers, visit creekcookiesandcream.com or call there’s the tried and true ice cream (480) 912-1106. cookie sandwich and both waffle and sugar cones. Brownie and cookie lovers can even opt for a brownie, cookie or half and half bowl in either the large or mini size topped with their choice of ice cream and toppings.

If those aren’t enough options — there are also custom milkshakes, root beer floats, and of course scoops of ice cream

Tips to Save for Your Child’s College Tuition After You’ve Gone Through a Divorce

Parents of college-bound students know that paying for higher education takes planning and saving. For divorced parents, it can be particularly complex. Whether they’re paying for the college bills solo or contributing to the expenses in partnership with their ex-spouse, there are a lot of financial and emotional items to consider. If you fall into this category, here are five tips to help you work toward your college savings goal.

Tip #1: if possible, seT aside Time for a conversaTion wiTh your ex-spouse.

If you and your ex-spouse desire to work on funding college for your child together, it may be helpful to have an open and honest conversation to align on a savings strategy. Ask your ex-spouse to pick a time to connect with you on this topic. While it may seem formal, scheduling a conversation will ideally allow both of you to set aside other emotions and get on the same page about funding your child’s college education.

When it’s time to talk, consider bringing in a financial advisor to help facilitate the discussion. A professional can help initiate the difficult topics, offer an informed opinion on how to reach a compromise and provide accountability as you divide and conquer the various expenses (see tip #2). Your divorce settlement may have stipulations or a framework to help guide the conversation. aid, certain grants and loans) after taking into account the amount they expect your family to contribute.

In general, the FAFSA considers the finances of the parent the child has lived with more in the last year when assessing any qualification for aid (and that parent – often called the custodian parent – should complete the FAFSA). If the child has lived with both divorced parents equally, the FAFSA factors in the finances of whomever has provided more monetary support in the last year.

Different factors may be considered in the FAFSA calculation depending on your specific circumstances. Visit the FAFSA website for more details (https:// studentaid.ed.gov/sa/fafsa/). You may also contact the financial aid office at your child’s college of choice for additional help.

Tip #4: pay close aTTenTion To accounT ownership of 529s.

If you or your ex-spouse funded a college savings plan while you were still married, ownership of the account was likely decided in your divorce settlement. (Typically account ownership remains with the spouse who created and/or funds it most often.). If your exspouse retains control of one or more 529 accounts, consider if it makes sense – whether for financial or emotional purposes – to create your own account with your child as the beneficiary.

Tip #2: decide how To divide and conquer Tip #5: seT expecTaTions wiTh your child.

college expenses. Your child is likely considering a multitude of factors

Decide sooner rather than later who will pay for to determine which college may be the best fit – expenses like tuition, books, a laptop, a parking pass, including which one may be the most affordable. Be and room and board. If your child plays an instrument, honest about the type of support he or she can expect participates in a sport or pursues another activity, there from you and your ex-spouse. Bear in mind that this may be additional expenses (e.g. uniforms, travel, doesn’t mean you have to share all the nuances of activity fees) for you to divvy up. If you’re able to come your arrangement. Rather, consider providing key to an agreement, put your game plan in writing to help details to help your child make their choice – and know keep you and your ex-spouse accountable. who to turn to when tuition or a school fee is due. It’s true that divorce may add a few extra steps and Tip #3: fill ouT The fafsa To see your considerations when saving for your child’s college opTions for poTenTial financial aid. tuition. But don’t let the complexity stop you. As a

Regardless of how much you have in college savings, financial advisor, I have helped many clients sort out Putting the needs of clients first is the approach I believe in. I’ll work with you to find it’s important to fill out the Free Application for Federal the details and feel good about their plan and savings. the right financial solutions to help you plan for your unique goals. And together, we’ll Student Aid (FAFSA) annually, starting when your child If you are interested in learning what your options are track your progress over time, adjusting your plan along the way to help get you where is a senior in high school. The FAFSA determines your for reaching this goal, talk to a financial advisor in your you want to go. child’s eligibility for financial aid (including needs-based area.

Renee A. Hanson CFP®, CEP®, CDFA®, CFS®, ChFC®, APMA®

Private Wealth Advisor

Affinity Wealth Advisory Group

A private wealth advisory practice of Ameriprise Financial Services, Inc.

602.923.9800

7010 E. Chauncey Ln Ste 200 Phoenix, AZ 85054 renee.a.hanson@ampf.com affinitywealthadvisor.com

Ameriprise Financial Services, Inc. Member FINRA and SIPC.

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