Raleigh, NC, United States, Pay4Edu® announced the launch of The Graduate System®, a comprehensive financial planning approach designed to support families navigating education and retirement funding. The strategy addresses a common blind spot among high-income households that rely heavily on 529 plans, Roth IRAs, and brokerage accounts, yet overlook the risks of inflexibility and capital drain.
Pay4Edu® points to clients like Mark and Lena, who thought their plan was solid: two 529s, retirement savings, and a financial advisor’s green light. However, once they ran full tuition scenarios across both children, factoring in tax considerations and retirement targets, they saw over $380,000 in assets wiped out from long-term opportunities. Their liquidity vanished, reinvestment options collapsed, and they had no leverage for future goals. They’re not alone.
When your child graduates, your money should graduate into a system built for control, reinvestment, and lifelong momentum.
“Families aren’t looking for more products; they’re looking for 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® takes a coordinated, four-part approach: education funding, liquidity access via the Capital Control Engine
, passive income generation through alternative investments such as private credit and real estate, and estate planning for intergenerational wealth transfer. Instead of discarding existing accounts, this strategy realigns them for greater flexibility and longevity.
Unlike traditional approaches that treat education and retirement planning as separate silos, The Graduate System® manages capital flow across multiple life stages. Pay4Edu® refers to it as The Ultimate 529, not because it’s a 529 account, but because it improves upon what families typically expect from one. Even with updates under the SECURE Act 2.0, which allows limited 529-to-Roth IRA conversions, the firm argues core inefficiencies remain.
For families whose accounts feel disconnected, the challenge is not how much they’ve saved, but whether their capital is synchronized to meet evolving life needs.
Disclaimer: This content is for informational purposes only and does not constitute financial advice. Please consult a licensed advisor regarding your individual circumstances. The “Ultimate 529” is a strategic framework and is not a government-sponsored Section 529 plan.
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:32881
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