G.R.A.D. Process

With my G.R.A.D. Process, we can optimize the way you fund your child's education.

The G.R.A.D. Process empowers parents to achieve both their child's educational goals and their own retirement security—eliminating the need to choose between the two.

By gathering key financial insights, optimizing wealth, and implementing tailored strategies, families can take a proactive approach to funding education while enhancing their long-term financial well-being.

Gathering Insights

The first step in the G.R.A.D. Process is a comprehensive financial assessment designed to provide a clear understanding of where you stand financially and how to align your child’s educational goals with your long-term financial security. This involves evaluating key aspects of your current financial situation and developing a plan that ensures both college funding and retirement planning are optimized.

  • Comprehensive Financial Assessment – We evaluate your income, savings, investments, and existing education funds to identify gaps and opportunities.

  • Cost Estimation and Planning - We estimate tuition, housing, and other expenses while factoring in scholarships, grants, and financial aid.

  • Scenario Modeling - Using planning tools, we compare funding strategies and adjust for investment growth, savings rates, and tax implications.

This step lays the groundwork for a clear, strategic plan that balances college funding with a secure retirement.

Recapturing wealth

This step focuses on optimizing your financial resources to maximize income while minimizing the impact on your current assets. By strategically reallocating wealth and leveraging other people’s money (OPM), you can enhance financial growth and potentially exceed your expected retirement income.

  • Strategic Asset Reallocation – Adjust existing assets to reduce inefficiencies, maximize returns, and improve cash flow without increasing financial risk.

  • Leveraging Other People’s Money – Utilize grants, scholarships, tax-advantaged accounts, and strategic funding sources to preserve personal savings.

  • Family Alignment – Coordinate with spouses, financial advisors, and even your child to ensure a well-rounded financial plan.

By recapturing wealth effectively, this step enhances your financial flexibility, leading to greater retirement income and long-term stability.

Achieving Results

This step focuses on putting your financial strategies into action, ensuring the plans you’ve developed are executed effectively. By implementing key financial adjustments, you can drive tangible improvements in both your child’s education funding and your long-term retirement income.

  • Investment Portfolio Adjustment – Optimize your asset allocation and investment strategies to enhance growth, minimize risk, and align with both short- and long-term financial goals.

  • Tax Optimization Strategies – Implement tax-efficient withdrawal plans, deductions, and credits to maximize savings and reduce unnecessary tax burdens.

  • Cash Flow Management – Fine-tune income and expenses to ensure steady cash flow, allowing for efficient college funding while securing a pay raise in retirement.

By executing these strategies, this step solidifies your financial plan, improving how you fund your child’s education while simultaneously increasing long-term financial security.

Direct Monitoring

The final step ensures ongoing oversight and refinement of your financial plan, keeping it aligned with your evolving goals. Through regular reviews and strategic adjustments, this phase ensures your approach remains effective, adapting to any changes in your financial situation, market conditions, or educational needs.

  • Annual Financial Reviews – Conduct comprehensive yearly assessments to evaluate progress, identify opportunities, and make necessary updates to stay on track.

  • Strategy Calibration – Adjust financial tactics based on market shifts, tax law changes, or unexpected life events to ensure continued efficiency and growth.

  • Ongoing Maintenance – Monitor cash flow, investment performance, and funding strategies to keep your education and retirement plans optimized.

By continuously fine-tuning your financial approach, this step ensures long-term stability, helping you fund your child’s education while steadily growing your retirement income.

Contact Us

(248) 514-1476

123 Main Street, Detroit MI 78617