The Oil & Gas Journal, first published in 1902, is the world's most widely read petroleum industry publication. OGJ delivers international oil and gas industry news; analysis of issues and events; practical technology for design, operation, and maintenance of oil and gas operations; and important statistics on energy markets and industry activity.

OGJ is edited to meet the needs of engineers, geoscientists, managers, and executives throughout the oil and gas industry. It is part of Endeavor Business Media, Nashville, Tenn., which also publishes Offshore Magazine.

Endeavor Business Media’s Petroleum Group also produces targeted e-Newsletters; hosts global conferences and exhibitions, seminars, and forums; and publishes directories, technical books, print and electronic databases, surveys, and maps.

Additional Information

Website & Technical Help

For help with subscription purchases or refunds, or trouble logging into the paid subscription content on www.ogj.com, please contact Customer Service at [email protected] or call 1-847-559-7598.

For more customer service information, please click here.

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 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

View source version on King Newswire:
Pay4Edu Unveils The Graduate System to Close Costly Financial Planning Gaps

It is provided by a third-party content provider. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release.

file

Stock Quote API & Stock News API supplied by www.cloudquote.io
Quotes delayed at least 20 minutes.
By accessing this page, you agree to the following
Privacy Policy and Terms Of Service.