Built on a life of service — for your family and ours
3 Generations Financial Solutions is an independent insurance and financial education business serving individuals, working families, homeowners, first responders, and people preparing for retirement.
Ernie Houston Jr.
Founder · Firefighter & Financial Educator
Education and Trust, Built on a Life of Service.
From Protecting Lives to Protecting Financial Futures.
Ernie Houston Jr. is a professional firefighter, financial educator, and insurance professional. After years of serving his community in uniform, he saw how many hard-working families were never taught the basics of money — debt, protection, and planning for the future.
That gap became a calling. 3GEN exists to give families the education Ernie wishes more people had — clear, honest, and pressure-free. He believes financial decisions should be made with understanding, not urgency.
His approach emphasizes trust, family protection, and helping clients make informed choices — so the people who depend on you are taken care of, and the legacy you're building lasts for generations.
Help families take control — and build lasting legacies
We exist to help the people who work the hardest get the clearest path forward. No jargon. No pressure. Just education and guidance that respects your time and your goals.
- Help clients take control of their finances
- Reduce debt and improve monthly cash flow
- Protect families with the right coverage
- Build lasting financial legacies across generations
The values behind every conversation
Education first
We teach before we recommend. You should understand every decision you make — fully.
No pressure
We're here to inform, not to push. If a product isn't right for you, we'll say so.
Family protection
Every recommendation starts with a simple question: does this protect the people you love?
Service before self
Founded by a firefighter, our work carries the same commitment to community and care.
"Protecting families from the dangers of fire is just as important as helping them prepare for the financial challenges of debt. Whether I'm serving my community as a firefighter or helping families build financial security, my mission remains the same — to protect what matters most and help families build a safer, stronger future."
Ernie Houston Jr. · Founder
Schedule a free consultation
The best way to understand what we do is to experience it. Book a no-pressure conversation about where you are today and where you want to go.
Ready to work with someone who gets it?
Schedule your free financial consultation with a business built on service, education, and trust.
Educational guidance, not high-pressure sales. Your information stays private.