You Have Questions
We Have The Answers
Here are 20 of the most common questions we hear from families trying to build a better future, without increasing their monthly budget.
Family Wealth
And Planing
How can I pay off my mortgage faster without increasing my monthly payments?
We use a custom mortgage strategy that helps you restructure the way your payments are applied to principal and interest. Instead of sending more money to the bank, you use smarter timing and flow to eliminate years off your loan and save thousands—without refinancing or changing your lender.
How can I save for my child’s future without locking my money into a restricted account?
We build custom savings plans that grow tax-advantaged and don’t penalize you if your child doesn’t go to college. These plans give you flexibility to help with a home, business, wedding, or any future milestone, and you can access the money if needed, with no usage restrictions.
Is there a way to combine college savings, retirement, and debt payoff into one plan?
Yes. Our Legacy Strategy is designed to help families align their income with multiple priorities. Instead of spreading money across disconnected accounts, we show you how to coordinate your savings so each dollar does more, from protecting your family to building wealth and accelerating debt payoff.
I’ve been told to max out my 401(k)—should I?
That depends on your income, tax bracket, and long-term goals. While 401(k)s offer tax deferral, they can create large tax burdens in retirement. We’ll show you when it makes sense, and when other tools may offer better flexibility, access, and tax efficiency.
How can I lower my future tax bill?
Most people are unknowingly building a retirement plan that will be taxed later, often at higher rates. We help you position your money in tax-advantaged vehicles that grow safely and can be accessed without triggering large tax events.
What’s the best way to save if I don’t want to risk losing it in the stock market?
We use growth-focused, principal-protected strategies that don’t expose your savings to market losses. These allow families to grow wealth consistently without the emotional rollercoaster of investing.
Can I access money I save without penalties or taxes?
Yes. A major focus of our planning is giving families flexible access to their money. Whether you’re facing an emergency or a new opportunity, you shouldn’t have to beg a bank or drain a retirement account to get to it.
What if I already have a financial advisor? Can I still work with you?
Absolutely. Many of our clients already work with CPAs, advisors, or mortgage brokers. We work alongside them to give you a broader set of options and plug the gaps traditional planning often misses.
Do you help families who don’t have a lot of money saved yet?
Yes. If you’re responsible with your spending and open to structure, we can show you how to start smart and scale over time. Many of our most successful clients started with good habits, not big accounts.
Can I still qualify if I don’t have perfect credit?
In most cases, yes. We care more about your cash flow, savings behavior, and long-term goals than your credit score alone.
Home, Debt
And Budgeting
What’s the difference between paying off my home in 30 years vs. 7 years?
The average 30-year mortgage can cost double the original loan amount in interest. By cutting that down to 7–10 years, you free up thousands per year, eliminate decades of financial stress, and redirect that money toward savings, retirement, or family goals.
Is it better to invest or pay off my house?
Most people think it has to be one or the other. Our strategy often allows you to do both. By redirecting your existing cash flow through smarter systems, you can reduce your debt while simultaneously building long-term savings.
What if I already refinanced, can I still use your mortgage strategy?
Yes. You don’t need to refinance or change your lender. Our custom mortgage strategy works by rethinking how you pay, not who you pay.
I’ve heard debt is bad. Should I avoid all debt?
Not all debt is harmful. Some debt can be leveraged to increase cash flow or accelerate wealth. The key is to eliminate bad debt quickly and learn how to use good debt strategically, without becoming dependent on it.
What if I live paycheck to paycheck, can I still build a future?
If you’re disciplined and coachable, yes. We’ve helped many families restructure their spending so that they can start saving without increasing their monthly expenses. It’s about how your money flows, not just how much you make.
Protection
And Peace of Mind
What kind of protection should I have for my family if something happens to me?
Every family needs a solid protection plan, but it should also integrate with your bigger goals. We help you protect your family in a way that’s efficient, flexible, and often builds long-term value, not just a payout.
Can I set something up for my kids that gives them a head start in life?
Yes. We help families design early savings strategies for children that grow over time and can be used to fund their education, first home, or business, without the limitations of traditional savings tools.
What happens if I lose my job or income?
Many of our strategies are designed to be flexible. If your income changes, we can adjust your plan to reduce or pause contributions without disrupting your protection or long-term goals.
How do I know if what I have now is working?
We’ll walk through your current setup and compare it to how a restructured strategy would perform. You’ll see the numbers side-by-side and get a clearer view of how your money could be working harder for you.
What makes you different from other advisors or agents?
We don’t push products, we build custom strategies. Everything we do is based on your goals, your timeline, and your existing financial picture. And unlike many agents, we focus on education and long-term planning, not quick commissions.
Lest's Build Your Family's
Legacy Wealth Strategy
In just one free call, we'll show you:
How fast you could pay off your home
How much tax-free money your kids could access as adults
How to reposition existing money to build long-term wealth
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