Who we serve
Fit has less to do with how much you have than with how much is connected.
Use this page to place your own situation. You don’t need to be certain before reaching out. Working that out together is part of the first conversation.
Two questions
Where does your situation sit?
Most of the answer comes from two things: how many parts of your financial life affect each other, and how much depends on the decisions in front of you.
Fewer parts · More at stake
One decision with real weight
The rest of your finances are settled. One choice isn't: a refinance, a rollover, a home sale with a date attached.
Often begins with Decision Playbook
More parts · More at stake
Connected and consequential
Several areas affect each other, and the decisions ahead will be hard to undo. Seeing them together matters most here.
Often begins with Wealth Roadmap
Fewer parts · Less at stake
Straightforward, for now
A few accounts and no pressing decision. Sound habits and good free resources may serve you well until something changes.
More parts · Less at stake
Connected, not urgent
Accounts, benefits, property and taxes that have never been looked at as one system. Nothing is pressing, which makes this a good time to set structure.
Often begins with Wealth Roadmap
A third question: horizon
How far ahead are you planning? Retirement, children, a home or business you mean to keep: the longer the horizon, the more each decision carries forward, and the more it pays to see the connections early.
These are regions, not scores. Most households move between them several times over a lifetime.
What doesn't decide fit
No single number or birthday sorts this out.
Age is not a gate.
A 34-year-old weighing an equity grant, a first home and a new employer plan can have more moving parts than a retiree with one pension and a paid-off house.
Income is not a gate.
A high salary with simple accounts may need less help than a moderate income tied to a small business, a rental and an inherited account.
Assets is not a gate.
A large balance in one place can be simpler than a modest one spread across six accounts with different tax treatment.
Life stage is not a gate.
Marriage, a sale, an inheritance or an early retirement can arrive at almost any point. The decision matters more than the chapter it lands in.
A common signal, not a requirement. Many households that fit well have $200,000 or more in investable or retirement assets, or a six-figure household income. Many don’t, and neither number rules anyone in or out.
Three ways in
Most households start from one of two places. Many end up planning for a third.
These describe where the money is heading, not how old anyone is.
Multi-generational households
Decisions made now that are meant to reach children, grandchildren or a purpose beyond them.
Explore multi-generational planningBuilders
Still accumulating. Early choices are quietly setting the shape of the next twenty years.
Explore BuildersTransferors
Wealth is starting to move: into income, to family, toward what comes next.
Explore TransferorsYour side of the fit
Fit also depends on how you want to work.
- You're willing to share enough.
- Reliable analysis needs real statements and real figures, not estimates from memory.
- You want the reasoning, not only the answer.
- Every conclusion comes with what it assumes and what would change it. That matters most if you intend to read it.
- The right people are involved.
- If a spouse, partner or co-owner shares the decision, they should share the conversation.
- Your other professionals stay in their roles.
- A CPA, attorney or insurance professional keeps doing their work. GenThree prepares the questions worth bringing to them.
- You're thinking past one transaction.
- The work is most useful when a single choice is weighed against everything around it.
Routing, not rejection
When another kind of help fits better.
Pointing you somewhere more useful is part of the job. If what you need is mainly one of these, start there instead.
If you mainly need: To buy insurance, an annuity or another financial product
Look for: A licensed professional who offers that product, ideally once you're clear on why you need it.
If you mainly need: Someone to manage and trade your portfolio, or hold your assets
Look for: An investment manager or custodian that provides discretionary management.
If you mainly need: Tax returns prepared and filed
Look for: A CPA or enrolled agent.
If you mainly need: A will, trust or other legal document drafted
Look for: An estate-planning attorney.
If you mainly need: Urgent help with debts you can't currently pay
Look for: A nonprofit credit-counseling agency.
If you mainly need: A quick answer to a simple, low-stakes question
Look for: Reputable free educational resources. Plenty of good questions don't need paid analysis.
If you mainly need: Ongoing budgeting accountability or habit coaching
Look for: A financial coach.
And if you’re hoping for a guaranteed result: no honest source can promise one. GenThree models outcomes under stated assumptions so the risks are visible before you decide. It doesn’t guarantee them.
For the formal limits of GenThree’s own scope, see Our Boundaries →
See how working together could be shaped.
Three engagements, each scoped and priced in writing before any work begins.