Five years ago, the National Institute of Certified College Planners, an organization that licenses college-planning professionals, did not exist. This year the organization has 1,200 registered members. Professionals in college financial planning say business is booming, and the bulk of demand for their services is coming from families with annual incomes between $50,000 and $150,000. Even though these families tend to be financially savvy, they have discovered that working with a specialized professional can mean the difference between qualifying for financial aid and being expected to pay the full sticker price.