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Title: Pay4Edu Unveils The Graduate System to Close Costly Financial Planning Gaps

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 a...

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