Education Funding Strategy

Our Services > Education Funding Strategy

A Smarter Alternative to the 529 Plan

Tax-advantaged growth · Immediate liquidity · No restrictions Works whether your child goes to college or not

WHY FAMILIES CHOOSE THIS STRATEGY

Tax-advantaged growth with no caps

Earnings grow tax-deferred inside the policy. No IRS contribution limits — fund it as aggressively as your goals require.

Immediate liquidity — anytime

Access your cash value from day one via a policy loan. No waiting period, no age requirement, no reason required.

Any school, any level, any path


K–12 private school, trade school, university, or a business startup — use the funds for any purpose, penalty-free.

No college? No penalty.


If your child chooses a different path, there's no 10% penalty. The cash value remains yours — tax-free to access.

Tax-free access to cash value


Withdraw via policy loans — not counted as taxable income. No capital gains, no income tax, no 1099.

No income limits to qualify


Any family can open and fund a policy regardless of income level. No phaseouts, no eligibility cutoffs.

WHY FAMILIES CHOOSE THIS STRATEGY

Tax-advantaged growth with no caps

Earnings grow tax-deferred inside the policy. No IRS contribution limits — fund it as aggressively as your goals require.

Immediate liquidity — anytime

Access your cash value from day one via a policy loan. No waiting period, no age requirement, no reason required.

Any school, any level, any path


K–12 private school, trade school, university, or a business startup — use the funds for any purpose, penalty-free.

No college? No penalty.


If your child chooses a different path, there's no 10% penalty. The cash value remains yours — tax-free to access.

Tax-free access to cash value


Withdraw via policy loans — not counted as taxable income. No capital gains, no income tax, no 1099.

No income limits to qualify


Any family can open and fund a policy regardless of income level. No phaseouts, no eligibility cutoffs.

SIDE-BY-SIDE: 529 vs. CAPA STRATEGY

529 Plan

  • College only (or 10% penalty)

  • Limited to eligible schools

  • Restricted until withdrawal

  • High fees & market risk

  • Impacts FAFSA eligibility

  • No death benefit

CAPA Life Strategy

  • Any purpose — no penalty ever

  • Any school, any level

  • Liquid from day one

  • Protected, stable growth

  • Not counted as student asset

  • Built-in life insurance

The bottom line

The 529 was designed for one outcome. This strategy was designed for your family's real life — flexible, liquid, and built to grow tax-free regardless of what path your child chooses.

© 2026 Josh Kaburick. All rights reserved.

© 2026 Josh Kaburick.

All rights reserved.

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