@Hal_Al
Everything is in agreement with all your suggestions. I believe I have successfully accomplished this portion. There is NO WAY I could've done this on my own without your help - you are a gem and an MVP. Not only you educated me but saved us $. I wish there was a way to repay you. Regardless, I will promise to pay it forward and encourage others to do the same.
I am sure there will be other questions in the next four years and I look forward to our interaction.
THANK YOU - THANK YOU
P.S. I have a hypothetical question on the use of 529 funds which I created a new post.
