Maybe I made a mistake putting some stock in an UTMA account for the kids.
Susan Dynarski is a professor at Harvard's Kennedy School of Government who is critical of the financial aid process. She calculates that saving $1000 in a child's name for 18 years, instead of in your name, will lose you $1,881 in income taxes and financial aid.
A list of fee-only financial planners is at http://www.napfa.org
Also check out the site http://www.savingforcollege.com