Building Smarter Strategies for College & Retirement

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 just college funding, but retirement income planning, estate preservation, and wealth transfer strategies. Our goal is to ensure families can plan confidently for every life stage without overpaying in taxes, losing money to market downturns, or leaving financial gaps for the next generation. We’re here to make sure your money works for you—today and in the future.