Raleigh, NC, United States, Pay4Edu® released The Graduate System®, a holistic financial planning strategy to help families manage education and retirement savings. The system helps to plug the blind spot for high-income families that focus on 529 plans, Roth IRAs, and brokerage accounts, but are unaware of the risks of rigidity and capital erosion.
Real Client Example of Hidden Financial Risks
Pay4Edu® refers to customers such as Mark and Lena, who believed their strategy was good: two 529s, a retirement account, and approval from a financial advisor. But when they worked out full-tuition scenarios for both children, incorporating tax implications and retirement goals, they witnessed more than $380,000 worth of assets eliminated from long-term prospects. Liquidity disappeared, reinvestment opportunities disintegrated, and they had no bargaining chip for other aspirations. They’re not unique.
A New Vision for Post-Graduation Finances
When your child graduates, your money should graduate into a system designed for control, reinvestment, and lifelong momentum.
Creator Fredrick Hicks on Family Financial Control
“Families aren’t seeking more products; they’re seeking more control. That’s what we reverse engineer for. And that’s what the 529 was never designed to deliver,” said Fredrick Hicks, Creator of The Graduate System®.
The Graduate System® Four-Part Strategy
The Graduate System® addresses this problem in a planned, four-pronged manner: funding education, liquidity through the Capital Control Engine™, passive income by alternative investments like private credit and real estate, and estate planning for multigenerational wealth transfer. Rather than eliminating current accounts, the strategy redirects them for longer lifespan and flexibility.
A Step Beyond Traditional Education and Retirement Silos
In contrast to conventional methods where education and retirement planning are distinct silos, The Graduate System® orchestrates capital movement throughout various stages of life. Pay4Edu® calls it The Ultimate 529™, not because it’s a 529 account, but because it surpasses what families normally get out of one. Despite enhancements under the SECURE Act 2.0, including the ability for limited 529-to-Roth IRA rollovers, the company contends fundamental inefficiencies persist.
The Problem of Unconnected Financial Accounts
For those whose accounts become disconnected, the problem is not how much they saved, but whether their capital is aligned to address changing life requirements.
Media Contact
Organization: Pay4Edu
Contact Person: Fredrick Hicks
Website: https://Pay4Edu.com
Email: Send Email
City: Raleigh
State: north Carolina
Country: United States
Release Id: 26082532881