About · Founder story
Why I built GenThree.
I didn’t set out to start a financial practice. I set out to make good decisions for my own family, and kept finding that the answers I was given were each reasonable on their own and incomplete together.
Ben
Founder, GenThree Wealth
Turning points
Seven questions that turned into a practice.
Buying, selling and financing homes
The question
Which loan, how much down, when to sell, whether to buy before selling.
What it taught me
Over several moves I learned that a mortgage decision is never only a mortgage decision. It reaches into cash reserves, taxes and what you can afford to do next.
Reading the employer plan
The question
Which funds to choose inside a workplace retirement plan, and what they really cost.
What it taught me
The most useful information was in disclosures almost nobody opens. Reading them closely changed choices that had looked settled.
Inherited accounts and timing
The question
When to take money out of inherited retirement accounts while still earning a salary.
What it taught me
Timing can matter as much as amount. The same dollars can carry very different tax costs depending on the year they land in.
Following every dollar
The question
Where the household's money was actually going.
What it taught me
Line-by-line budget work exposed what summaries hide, including financing offers that looked free and weren't.
Building the tools
The question
How to keep all of these questions connected.
What it taught me
Spreadsheets couldn't hold the relationships, so I started building software to organize the analysis and make it repeatable. That work grew into G3, the platform behind GenThree.
Seeing the gap
The question
Why good advice still left things unresolved.
What it taught me
Each professional answered the question in front of them. No one was responsible for how the answers fit together. That gap is the reason GenThree exists.
Building for three generations
The question
What all of this is ultimately for.
What it taught me
For me the answer is my children and the generation after them. The name comes from that: decisions made well now can give the next two generations a stronger place to start.
A note on all of that
What my own story doesn't prove.
My own household is where these methods were tested. It is not evidence of what they will do for anyone else. Every household is different, and how my decisions turned out says nothing about how yours will.
What I can offer is the way of working those years produced: gather everything first, show the reasoning, test the conclusion before trusting it, and weigh each decision for the people it will eventually reach. I’d rather you judge the work by its reasoning than take my word for it.