Take Control of Your Finances. Protect Your Family. Build Your Legacy.
Personalized financial education, debt elimination strategies, and insurance solutions designed to help you move toward financial confidence.
Protect Your Future. Build Legacy.
Ernie Houston Jr.
Founder · Professional Firefighter & Financial Educator
Education-first, never high-pressure
Independent guidance across multiple carriers
Built for working families & first responders
Plain language, not financial jargon
Start with your debt. Build from there.
Most families come to 3GEN looking for help with debt and monthly cash flow — and that's exactly where we start. We help you understand what you owe, what it really costs, and the strategies that may free up money each month. From there, protection and retirement planning have a stronger foundation to build on.
Debt Elimination & Financial Education
Understand your debt, explore structured repayment strategies, improve cash flow, and build a personalized plan for real progress.
Learn moreProtectLife Insurance Solutions
Learn about term life, whole life, indexed universal life, and mortgage protection — so you can choose what fits your family.
Learn morePlanRetirement Income Strategies
Explore fixed and fixed indexed annuities and strategies designed to create dependable retirement income.
Learn moreLegacyLegacy & Family Protection
Understand how life insurance and beneficiary planning can support the people who depend on you.
Learn moreA simple, pressure-free path forward
We start with a conversation — not a sales pitch. Here's what to expect when you schedule your free consultation.
Schedule a free consultation
Book a no-pressure conversation at a time that works for you.
Get a clear picture
We walk through where you stand today — debt, cash flow, protection, and goals.
Explore your options
Plain-English education on the strategies and products that may fit your situation.
Protect your legacy
Take informed steps toward reducing debt and protecting your family.
Ernie Houston Jr.
Professional Firefighter · Founder & Financial Educator
Education and Trust, Built on a Life of Service.
From Protecting Lives to Protecting Financial Futures.
3GEN was founded by Ernie Houston Jr., a professional firefighter, financial educator, and insurance professional. His approach is simple: help people make informed financial decisions without pressure — the same way he'd want his own family treated.
A life of service
Public safety background, now serving families' financial well-being.
Education first
Clear explanations — no jargon, no pressure tactics.
Schedule Your Free Financial Consultation
No pressure. No jargon. Just a clear conversation about where you are today and the steps that can help you move forward. Book a complimentary consultation and take the first step toward protecting your family and building your legacy.
Educational guidance, not high-pressure sales. Your information stays private.