Retire Your Mortgage
& Grow Your Retirement
Pay off your home faster. Grow long-term wealth. Keep more of what you earn, all without increasing your budget.
If you're like most homeowners, you're doing all the right things, making your mortgage payments, contributing to retirement, and trying to get ahead.
But what if you could get farther with the money you’re already earning?
Our strategy helps you eliminate debt years early, build tax-free retirement income, and create financial freedom, without changing your lifestyle.
The Challenges
Many Families Face
Even when you're doing "all the right things":
Paying their mortgage
Contributing to a 401(k)
Building an emergency fund
These efforts are well-intentioned, but disconnected.
You’re taxed later. Your savings lose value sitting in a low-interest account. And most of your mortgage payment goes to interest, not equity.
The result? You’re working hard, but your money isn’t working hard for you.
401(k): "Tax Time Bomb in Disguise"
Withdrawals are fully taxed, often at 25–35%, and you're locked out until age 59½. Required withdrawals later in life can trigger unexpected tax burdens.
Mortgage: "The Interest Trap"
Even with a low rate, most early payments go to interest, not principal. That’s money lost to the bank while your equity sits idle and unused.
Emergency Fund: "Safe But Shrinking"
Inflation outpaces the interest it earns, meaning your money buys less each year. And while it’s just sitting there, it’s not helping you eliminate debt or build wealth.
What Is The Legacy Wealth Strategy
It’s a smarter way to use the money you’re already earning.
Rather than splitting your income across disconnected accounts, we align your mortgage, retirement, and protection goals into one efficient strategy.
By redirecting how your money flows each month, you can:
• Pay off your home in 50% of the time
• Build flexible, tax-advantaged savings
• Grow long-term, tax-free retirement income
• All without increasing your budget
It’s not about working harder, it’s about making every dollar work smarter.
How The Legacy Wealth Strategy
Works For Your Future
Redirects Wasted Interest Into Wealth
Most families lose tens of thousands in mortgage interest, especially in the early years. The Legacy Strategy uses a smarter debt vehicles to reduce interest and free up cash flow that can be used to build savings instead of paying the bank.
Turns Equity into Opportunity
Instead of letting your home equity sit idle, the plan helps you access it strategically, so you can pay off your mortgage faster while using the freed-up funds to grow wealth or protect your family without sacrificing liquidity.
Repositions Retirement Contributions
Rather than overloading your 401(k), where withdrawals are taxed and locked away until later, we help you reroute part of those contributions into accounts that grow tax-free and give you access when you need it, not just when you’re 60+.
Builds Flexible Financial Reserves
This strategy moves funds that are not accessible into a liquid, tax-advantaged fund you can access at any time, whether you're facing an emergency, launching a new opportunity, or simply wanting more financial flexibility as life unfolds.
Protects Your Family Today and Tomorrow
Built-in benefits ensures your family is protected if something unexpected happens. But this isn’t just about death benefits, it also includes living benefits and cash access while you're still alive and building your future.
Builds Tax-Preferred Income for the Future
Builds long-term, tax-preferred income that can supplement retirement, reduce future tax exposure, and gives you options when traditional accounts can’t. Access to your own money on your terms, so you can become your own bank instead of relying on lenders.
Real Results
Real Families
50-Year-Old Homeowner with a Low Interest Rate
What We Did:
Repositioned equity from a low-interest mortgage
Rolled in existing debts, including a car and camper
Funded a tax-free retirement strategy
Accessed funds to begin building a second home
Outcome:
Saved $84,000 in total interest
Paid off home, car, and camper in ~5.4 years
Built $98k/year in projected tax-free retirement income
Accessed $150k to start building a vacation property. No new loan needed
Frequently Asked Questions
About Family Protection
What if I already have a low mortgage rate?
Even with a great rate, most early mortgage payments go mostly to interest. This plan focuses on how much you pay over time—not just the rate—so you can eliminate debt faster and keep more of your money working for you.
Can I still keep my 401(k)?
Yes. We typically recommend keeping your employer match, but redirecting contributions above that into tools that offer more flexibility, tax-free access, and protection your 401(k) doesn’t provide.
Is this just about life insurance?
Life insurance is part of the strategy, but this is not a sales pitch for a product. It’s a complete strategy designed to help your money flow better, reduce taxes, grow wealth, and protect your family, all in one.
How is this different from a traditional financial plan?
Most traditional plans separate everything, retirement, debt, savings, and focus on long-term results only. This strategy connects the pieces and delivers short-term wins like cash flow, flexibility, and early debt payoff.
What if I don’t have a lot saved or invested yet?
That’s exactly why this plan can help. It’s designed for everyday families who want to build wealth without waiting decades or depending on market luck. We work with your real numbers to build something sustainable and powerful.
What happens if my situation changes?
The Legacy Strategy is built to be flexible. If your income changes or you move homes, we can adjust the strategy to fit your new reality. You’re not locked into one path, we design it to grow and shift with your life.
Lest's Build Your
Legacy Wealth Strategy
In just one free call, we'll show you:
How fast you could pay off your home
How much tax-free income you could build for retirement
How to reposition existing money to accelerate financial freedom
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