A Better Financial Path (ABFP)

Planning for major financial milestones—college costs, retirement income, and estate planning—requires more than just savings. It’s about strategy. A Better Financial Path (ABFP) helps families across the U.S. make smarter financial decisions by turning college expenses into tax-free retirement income and structuring plans that secure their future. Based in McKinney, TX, we serve clients nationwide, providing expert guidance on college fu...

Most financial planning focuses on accumulation—how much you can save before a major life event. But true financial security is about how you keep, grow, and transfer wealth efficiently. Our approach integrates college funding, retirement planning, and estate preservation into a single financial strategy that eliminates waste, reduces tax exposure, and keeps more money in your pocket.

Traditional savings methods can’t keep up with rising t...

We started with a simple but powerful idea—families shouldn’t have to sacrifice retirement savings to pay for college. Through our College Cost Recapture System (CCRS), we showed parents how to turn tuition expenses into tax-free retirement income. But as families reached retirement, we saw a bigger issue: hidden tax traps and Social Security penalties that erode wealth. That’s when our mission expanded.

Today, we help clients navigate not...