Terms of Service

These Terms of Service ("Terms") govern your use of the 3 Generations Financial Solutions website at 3genfinancial.com (the "Site"). 3 Generations Investments LLC, an Arizona limited liability company, operates this Site under the public-facing brand 3 Generations Financial Solutions. The trade name "3 Generations Financial Solutions" is currently pending and is not a separately registered DBA or legal entity. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

The business contact email for 3 Generations Financial Solutions is 3geninvestgroup@gmail.com.

Information on this Site is provided for general educational purposes only. It is not legal, tax, accounting, or investment advice, and it is not a substitute for advice from a qualified professional. You should consult appropriate professionals before making financial decisions.

3 Generations Financial Solutions is an independent insurance and financial education business operated by 3 Generations Investments LLC, an Arizona limited liability company. We provide financial education and debt elimination education, and we offer life insurance and fixed and fixed indexed annuity solutions. Insurance activities are conducted by Ernie Houston Jr. under his individual insurance producer license, subject to applicable state licensing and carrier appointments. 3 Generations Investments LLC and the trade name "3 Generations Financial Solutions" are not licensed insurance agencies and do not hold an insurance producer license. We are not a law firm, accounting firm, registered investment adviser, or tax advisory firm, and we do not provide investment advisory, legal, or tax services unless separately authorized. Our consultations are educational and informational, not individualized legal, tax, or investment advice. Insurance producer license numbers and state authorizations are listed on our Insurance Licensing & Disclosures page.

We do not guarantee any specific financial result, including debt elimination, reduced interest, faster repayment, investment returns, insurance approval, or insurance or financial outcomes. Financial decisions involve risk, and results depend on factors unique to your situation. Additional disclaimers may apply depending on the products or services discussed.

Insurance products are offered through licensed insurance professionals. Product availability, features, terms, costs, and conditions vary by state and carrier, and are subject to eligibility, underwriting, and policy provisions. Annuities are insurance products, not securities or bank deposits, and may be subject to surrender charges, withdrawal restrictions, and tax considerations. Insurance producer license numbers and state authorizations are listed on our Insurance Licensing & Disclosures page.

Guarantees, including annuity guarantees, are backed by the claims-paying ability of the issuing insurance company.

You may book a complimentary 30-minute consultation through the scheduling tools on this Site. Consultations are held via Zoom or, at your request, by telephone. Appointments are for educational discussion and are not an offer to sell, nor an obligation to purchase, any product. If you need to reschedule or cancel, please do so at least 12 hours in advance so the time can be offered to another visitor. We do not charge cancellation or no-show fees. We may reschedule or cancel appointments when necessary and will try to provide reasonable notice.

You agree to use the Site lawfully and not to misuse it, including by providing false information, attempting to disrupt or access systems improperly, or using the Site for unauthorized commercial purposes.

The Site's content — including text, graphics, logos, images, and design — is owned by or licensed to 3 Generations Investments LLC and is protected by applicable intellectual property laws. Photographs displayed on this Site consist of business-owned images and images supplied through our website platform. You may not copy, reproduce, distribute, or create derivative works from Site content without our prior written permission.

The Site may link to or integrate third-party tools (such as scheduling, virtual meeting, and CRM services). We are not responsible for the practices or content of those third parties. Your use of third-party services is subject to their own terms and privacy policies.

To the maximum extent permitted by law, 3 Generations Investments LLC is not liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on its content.

We may update these Terms at any time. When we do, the revised Terms will be posted on this Site with a revised effective date. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. We are not obligated to provide individual notifications of changes unless required by applicable law.

For questions about these Terms, please contact us: