Massmom
Miss Cleo is going to jail. Please don't associate me with her! Only kidding. I can not predict the future or read palms, but what I can tell you is that if he meet with a competent college planner your return on your investment will be substantial.
You say that you met with an advisor 4 years ago. Did this planner develop a comprehensive plan for you or did you just talk to her?
Did the planner tell you that you are limited to borrowing $50,000 from your retirement account?
Four years ago, 529's did not exist, tax laws have changed significantly, future tax brackets have been reduced, new investment strategies have developed, financial aid laws have and will be changing. etc,etc.
I meet with clients twice yearly because there are lots of financial considerations.
In fact the average two income family has 80-100 financial decisions that they make per year. The problem is they're unconscience decisions without any thought or analysis.
You and your husband clearly are well educated. These boards are great for providing information but they are not going to provide solutions. Please seek competent advice. You would not I hope go to a website to obatin a medical diagnosis
All the Best