Author: iralogixdev

When families discuss saving for education, the conversation typically centers on numbers – tuition costs, inflation, and monthly goals. But there’s more to it than numbers; it’s also about mindset.

It’s what behavioral economics calls mental accounting, the idea that people are more committed when money is set aside for a specific goal. When parents earmark funds for a child’s education, those dollars feel off-limits. This simple shift builds discipline and supports stronger habits like spending less and contributing regularly.

And the impact doesn’t stop with parents. When kids know their family is saving for their education, they’re more likely to pursue college and graduate, regardless of how much has been saved. It’s not about the balance – it’s about the belief.

And now, thanks to the SECURE Act of 2024, a law that greatly expanded the flexibility of 529 college savings plans, that mindset has real policy support. Families can now roll up to $35,000 of unused 529 funds into a Roth IRA for the beneficiary – tax and penalty free. The account must be at least 15 years old, and the rollover is subject to annual Roth contribution limits, but this is a significant win for families thinking long-term.

It removes the fear of overfunding and opens new doors for using education savings as part of a broader wealth strategy. The Act also allows 529 funds to cover K–12 tuition and student loan payments, making these accounts more useful than ever.

Together, these changes shift how we think about saving for education. It’s no longer limited to just covering college – it’s a flexible investment in a child’s future.

How are you making education a priority in both your budget and your mindset in this new era?

Reflects Ongoing Tech Innovation and Business Growth

Pittsburgh, PA – August 12, 2025 – IRALOGIX, the retirement industry’s leading fintech provider, has been ranked #73 in the financial services category on the Inc. 5000 list of the fastest-growing private companies in America. This is the second successive year IRALOGIX has been named to the list. The repeat recognition underscores the company’s consistent growth and continued impact on the retirement industry.

At a time when millions of American workers still lack access to retirement plans, IRALOGIX is helping close that gap – one partnership at a time. As a B2B fintech company, IRALOGIX collaborates with recordkeepers, IRA administrators, and financial institutions to deliver flexible, cost-effective retirement solutions built for scale.

IRALOGIX leverages advanced technology to help its partners deliver modern retirement solutions to small- and mid-sized businesses – segments long neglected by traditional providers. By making institutional-grade capabilities more accessible and easier to deploy, IRALOGIX is driving real progress in expanding retirement coverage across the country.

“This milestone is a reflection of our mission-driven team and our commitment to transforming how retirement solutions are delivered and who they’re delivered to,” said Peter de Silva, CEO of IRALOGIX. “We’re rethinking what’s possible in retirement savings by removing barriers that have excluded too many employers and workers for too long. Our technology opens the door to retirement plans that are both accessible and scalable. As we continue to grow, we remain focused on making it easy for employers to offer something truly meaningful: a path to retirement security for their employees.”

Inclusion on the Inc. 5000 list for the second consecutive year reinforces IRALOGIX’s position as a transformative force in retirement fintech, as the company moves into its next phase of growth.

Building on its track record of tech innovation, last week, IRALOGIX announced the launch of its Workplace Retirement Plan Portal, a first-of-its kind digital platform that expands retirement access for small and mid-sized employers.

As the retirement industry modernizes to meet the needs of today’s workforce, IRALOGIX remains at the forefront, driven by purpose, powered by innovation, and focused on delivering impact at scale.

 

About IRALOGIX™

IRALOGIX is redefining the $17 trillion IRA marketplace through its industry-leading technology-enabled, fully paperless, white-label IRA record-keeping and technology solutions. The company’s proprietary technology solutions enable any financial institution to easily customize its IRA offering and compete effectively in all segments of the IRA market, regardless of account size. Through modular technology, institutional clients have the choice to use their internal investment or advisory capabilities or select from key industry-leading providers. IRALOGIX complements your market strategy, streamlines your IRA service options, and helps you expand your business across all segments of the industry, profitably. For more information, please visit www.iralogix.com.

Fully Digital, White-Labeled Platform Automates Plan Setup and Contribution Management

IRALOGIX, the retirement industry’s leading fintech provider, today announced the launch of its Workplace Retirement Plan Portal – a fully digital, white-labeled platform that modernizes employer-sponsored IRAs  through automation,  real-time self-service and seamless data handling.  This release marks a significant step forward in IRALOGIX’s mission to bring scalable, affordable retirement solutions to businesses of all sizes-including the millions of small businesses traditionally overlooked by legacy retirement infrastructure.

“Workplace IRAs have been underserved by modern technology for too long,” said Pete Littlejohn, IRALOGIX President and Co-founder. “We built this platform from the ground up to meet the specific needs of small and mid-sized employers.  It brings modern tools and automation to businesses that want to do right by their employees but don’t have the time or resources to navigate outdated manual processes.”

A Modern Platform Built for Access and Scale

Small and mid-sized employers offering SEP, SIMPLE or Payroll Deducted IRAs have historically dealt with slow, error-prone systems that rely on spreadsheets, faxes or call centers.  The new platform eliminates those hurdles.  Employers can now quickly onboard employees, manage contributions and securely exchange data in a streamlined interface-making retirement plan administration as easy as running payroll.  

Two Audiences, One Seamless Experience 

For Partners:

The platform is a turnkey, white-labeled solution that seamlessly fits into existing workplace offerings. Partners gain a scalable platform that they can brand as their own-without incurring infrastructure or service burdens-while retaining control of the client relationship and expanding their reach across the plan market.

For Employers:

This platform makes it easy for employers to offer something truly meaningful: a path to retirement security for their employees.  With intuitive tools to manage plans, update contributions, and track activity-no spreadsheets or phone calls-employers can finally provide retirement benefits without the burden of complexity.  It’s a simple way to support the people who keep their businesses running.

Designed from the Ground Up

Unlike platforms retrofitted from legacy 401(k) the IRALOGIX solution was purpose-built to handle the nuances of employer-sponsored IRAs. It’s the first and only platform that combines self-service capabilities, full partner branding, and end-to-end automation in a single unified interface.

“Retirement access shouldn’t be a luxury only large employers can afford to offer, “said Littlejohn. “We’re leveling the playing field-giving small and growing business the tools they need to build a better financial future for their employees.”

IRAs are quietly becoming one of the most powerful tools in retirement planning – and they’re not just for the financially savvy anymore. With over $17 trillion in assets held across traditional and Roth IRAs, the IRA marketplace is bigger and more influential than ever. And it’s growing fast.

One of the biggest reasons for this rise is flexibility. IRAs give individuals control over how and where their money is invested. From stocks and bonds to ETFs and even alternative assets in some cases, investors can shape a portfolio that actually fits their goals and risk tolerance, not just what’s pre-selected for them.

There’s also strategic value in how IRAs handle taxes. Traditional IRAs allow for potential tax-deductible contributions, reducing taxable income in the present. Roth IRAs, on the other hand, offer tax-free withdrawals in retirement. That choice means you can build a tax strategy that aligns with your future – not just your current paycheck.

IRAs also offer portability. In an age when career paths are more fluid than ever, having a retirement account that moves with you, not tied to an employer, makes planning simpler and more consistent over time.

What we’re seeing is a shift: more people want to take direct control of their retirement. They want options. They want flexibility. And they want long-term strategies that can adapt with them. That’s exactly what IRAs deliver, and why they’ve earned their place in the spotlight.

Retirement planning should feel less like a maze and more like a well-marked path, one that grows with you from your first job to your last.

Imagine starting your career and automatically being enrolled in a retirement plan that’s built to follow you, no matter where you go. When you switch jobs, your savings move with you – no extra paperwork, no forgotten accounts. It just works.

As life evolves – new roles, bigger goals, maybe a growing family – your plan keeps up. You get smart, timely guidance that speaks your language, not financial jargon. Gentle nudges to save more when you can. Help rebalancing when markets shift. Support that fits into your life, not the other way around.

And when retirement is on the horizon? You’re not starting from scratch. You’ve had a clear view of the road all along. Your accounts are in one place, your goals make sense, and you feel confident about what’s next.

This isn’t a fantasy, it’s where we’re headed. The technology exists. The intent is there. Now it’s about building tools and systems that put people first.

Because the best retirement plan isn’t just about the future, it’s about making every step along the way feel simple, connected, and in your control.

Let’s make that the norm.