Pay4Edu Launches The Graduate System to Close Costly Financial Planning Gaps
Pay4Edu® launched The Graduate System®, an integrated financial planning strategy aimed at assisting families through education and retirement money, which has been a blind spot for many high-net-worth families that are dependent on 529 plans, Roth IRAs, and brokerage accounts but ignore the limitations of rigidity and capital erosion.
Actual Family Financial Challenges
Pay4Edu® identifies customers such as Mark and Lena, who believed they had a good plan: two 529s, retirement savings, and approval from a financial advisor. But when they extended full-tuition scenarios for both kids, incorporating tax implications and retirement objectives, they lost more than $380,000 in assets from long-term investments. Their liquidity was gone, reinvestment opportunities disintegrated, and they had no bargaining power for future objectives. They are not the only ones.
Graduation and Financial Freedom
The day your child graduates, your money should as well, into a system designed for control, reinvestment, and lifelong momentum.
Founder’s Take on Capital Control
“Families aren’t searching for additional products; they’re searching for greater control. That’s what we reverse engineer for. And that’s what the 529 was never intended to provide,” explained Fredrick Hicks, Inventor of The Graduate System®.
How The Graduate System® Works
The Graduate System® uses a coordinated, four-part strategy: education funding, access to liquidity through the Capital Control Engine™, generating passive income from alternative investments like private credit and real estate, and estate planning for wealth transfer across generations. Rather than abandoning current accounts, this strategy revamps them for increased flexibility and longer-term duration.
Beyond Traditional 529 Plans
As opposed to the conventional method of addressing education and retirement planning as two distinct silos, The Graduate System® coordinates capital movement through various life stages. Pay4Edu calls it The Ultimate 529™, not because it’s an account under 529, but because it does better than families generally get out of one. Even with changes under the SECURE Act 2.0, which permits limited 529-to-Roth IRA rollovers, the company contends fundamental inefficiencies persist.
Synching Capital to Life Objectives
For households whose accounts are not connected, the problem is not how much they have saved, but whether their capital is synched to address changing life requirements.
Media Contact
Organization: Pay4Edu
Contact Person: Fredrick Hicks
Website: https://Pay4Edu.com
Email: Fredrick.Hicks@Pay4Edu.com
City: Raleigh
State: north Carolina
Country: United States
Release Id: 28082533120