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Plan Advance
overview
ACCESS YOUR GOAL FUND BEFORE COMPLETING YOUR PLAN
Plan Advance (formerly EPT – Early Position Takeout) gives you the flexibility to access your goal funds early - without interest or traditional loan contracts.
Your access is determined by your system-assigned position, ensuring fairness and transparency across all plans. Plan Advance helps you manage unexpected expenses or seize new opportunities while keeping your long-term goals on track. Every advance remains fully structured and aligned with your contribution schedule.
HOW IT WORKS
Request early access to your goal funds based on your plan position.
Receive approved funds instantly - no credit checks, no interest.
Repay gradually through your existing plan schedule.
KEY BENEFITS
Access goal funds before completing your plan
No interest or credit exposure - fully contribution-based
Flexible repayment aligned with your schedule
Ideal for emergencies or new opportunities
Includes a position cost, partly offset by future plan rewards
BENEFIT TO YOU
Stay financially agile without falling into debt - access what you need now while maintaining progress toward your long-term goal.
COMPARISON SNAPSHOT
Your Goals. Your Way.
Your Balance.
Every plan brings you closer to Net-Zero Interest™ - where costs and rewards
even out, and no one pays more than what’s fair.
Choose the plan that fits your journey and start building financial freedom, one
contribution at a time.