Clear Answers Before You Take the Next Step

Choose a Financial Discovery Consultation when you want help understanding or organizing areas such as budgeting, cash flow, debt, student loans, credit, savings, major purchases, or your broader financial priorities.

Choose a Protection Consultation when your primary questions involve life insurance, annuities, mortgage protection, final expenses, retirement-income considerations, or legacy planning.

When your needs overlap, begin with the conversation that best matches the decision or concern in front of you now. Another pathway can be explored later when it becomes relevant.

After scheduling, you will receive a confirmation with your appointment date, time, and virtual meeting details.

The booking process may include brief intake questions to help Wendell understand what brought you to LegacyBuilt and what you would like to discuss. You will also receive appointment reminders before the meeting.

You do not need every document perfectly organized before the conversation.

For a Financial Discovery Consultation, it may help to have a general understanding of your income, regular expenses, debts, savings, financial goals, and the decision or concern you want to address.

For a Protection Consultation, be prepared to discuss your responsibilities, existing coverage, mortgage or debts, beneficiaries or dependents, budget, and what you want to protect or prepare for.

Bring the information you currently have and the questions you want answered.

No.

Booking a consultation does not require you to enroll in the Financial Clarity Package, continue into another LegacyBuilt service, or purchase an insurance or annuity product.

The conversation gives you an opportunity to understand your needs and available next steps before deciding whether you want to move forward.

No.

The Financial Discovery Consultation is the introductory conversation. It helps you discuss what is happening financially, clarify what deserves attention, and determine whether a LegacyBuilt service may fit your needs.

The Financial Clarity Package is a separate paid six-week experience that includes three private sessions, the LegacyBuilt Budget Tracker, personalized action steps, and a Financial Clarity roadmap.

Completing a consultation does not require you to enroll in the package.

No.

You may already use a budget, have tried several systems, or have no consistent system at all.

Financial Clarity begins with your current financial reality. The goal is to help you understand where your money is going and create a structure that works more practically in your life—not judge what you have or have not done before.

Not necessarily.

Financial Clarity may address budgeting, cash flow, debt, student loans, credit, savings, financial goals, spending habits, major purchases, financial organization, and protection readiness.

Your sessions will remain focused on the areas most relevant to your current needs and priorities rather than rushing through every possible topic.

No.

LegacyBuilt can help you understand your credit, organize debt information, evaluate repayment priorities, prepare questions, and identify practical actions you may take.

LegacyBuilt does not perform credit repair, file disputes on your behalf, negotiate with creditors, or provide debt-settlement or debt-relief services.

Yes.

The LegacyBuilt Budget Tracker is included in the Financial Clarity Package and is introduced as part of the client process.

It helps organize your income, expenses, debts, savings, priorities, and financial decisions so you can continue using the information beyond your three sessions.

After completing the package, you may continue independently using your Budget Tracker and Financial Clarity roadmap.

Eligible clients may also choose separate paid Monthly Coaching for continued guidance, accountability, progress reviews, and support with changing priorities or new financial decisions.

Monthly Coaching is not automatically included and is not required. You may also conclude your work with LegacyBuilt or return later when another need arises.

No.

Financial Clarity and Protection & Legacy are separate pathways.

A possible protection need may be identified during your sessions, but insurance and annuity discussions take place separately through a Protection Consultation. You are not required to schedule one or purchase a product to complete Financial Clarity.

No.

You do not need to decide between term life, whole life, Indexed Universal Life insurance, final expense coverage, mortgage protection, or an annuity before scheduling.

The Protection Consultation begins with your responsibilities, goals, existing coverage, budget, health considerations, and what you want to protect or prepare for. Product options are explored only after the need is better understood.

A Financial Needs Analysis helps organize information about your health, finances, budget, responsibilities, existing coverage, and future goals.

During the process, we may ask about your:

• Health and medical history
• Income and regular expenses
• Debts and mortgage obligations
• Dependents and other financial responsibilities
• Existing insurance or savings
• Coverage goals
• Budget and comfortable premium range
• Retirement-income or legacy priorities

This information helps LegacyBuilt better understand what you may need to protect and identify insurance or annuity options that may appropriately fit your needs, circumstances, and budget.

The analysis does not automatically mean you need a specific product or amount of coverage. It creates a more informed starting point for reviewing your options.

Life-insurance premiums can be affected by factors such as:

• Age
• Health and medical history
• Tobacco or nicotine use
• Coverage amount
• Coverage period
• Policy type
• Riders or additional benefits
• The insurance carrier’s underwriting decision

LegacyBuilt can help you review available options, but the insurance carrier determines the final premium, eligibility, and policy terms.

It depends on the product, carrier, coverage amount, age, health history, and underwriting process.

Some applications may only require health questions and electronic record checks. Others may require a phone interview, medical records, laboratory testing, or an examination.

The carrier determines the final underwriting requirements.

No.

Submitting an application does not guarantee approval, and an initial quote is not always the final premium.

The carrier determines eligibility, underwriting classification, premium, available benefits, and final contract terms based on the completed application and underwriting information.

Yes.

You may bring an existing life-insurance policy, annuity contract, statement, or illustration to the conversation when you want help understanding what you currently have.

LegacyBuilt can help explain available contract information, benefits, costs, limitations, beneficiaries, and questions you may want to ask the issuing carrier.

Reviewing existing coverage does not automatically mean it should be replaced. Any possible replacement should be evaluated carefully because surrender charges, new underwriting, contestability periods, costs, and lost benefits may apply.

No.

After the consultation, you may choose to gather more information, review existing coverage, compare available options, discuss the decision with someone you trust, take no additional action, or return later.

You should understand what you are considering before deciding whether to apply.

No.

LegacyBuilt may compare suitable options from multiple insurance carriers when available.

The carriers and products available to you may depend on your state, age, health, financial circumstances, product eligibility, carrier requirements, and the purpose the coverage or annuity is intended to address.

Yes.

LegacyBuilt appointments are conducted virtually. Your appointment confirmation will include the approved meeting link and any instructions you need before the conversation.

Choose a private location where you can speak comfortably and review personal financial information without unnecessary interruptions.

No. LegacyBuilt works virtually with clients across the United States.

Financial coaching and educational guidance can be provided nationwide. Insurance and annuity services are available based on licensing, carrier requirements, and product availability in your state.

Use the rescheduling or cancellation option provided with your appointment confirmation or reminder when available.

Please make changes as soon as you know you cannot attend so the appointment time can be made available again.

If you cannot locate the appropriate link, contact LegacyBuilt for assistance.

Not directly.

Financial Clarity Sessions 1–3 and Monthly Coaching are private client services. They become available only after the appropriate consultation, enrollment, payment, and client-access steps have been completed.

Prospective clients should begin through Start Your Financial Journey. Existing clients should use the Client Center and the private instructions provided to them.

The Client Center is the dedicated starting point for existing clients.

It provides access to the approved destinations clients may need during their work with LegacyBuilt, such as private appointment options, forms, payment or service links, and other client resources.

It is separate from Start Your Financial Journey, which is designed for prospective clients choosing their first LegacyBuilt conversation.

First, check the email address used when booking, including the spam, junk, and promotions folders.

You may also review any appointment reminders you received, since they may contain the meeting or appointment-management information.

If you still cannot locate what you need, contact LegacyBuilt and include your name, scheduled appointment type, date, and time so the appointment can be identified.

Information you provide may be used to respond to your inquiry, prepare for an appointment, administer an approved LegacyBuilt service, and complete any process you authorize.

For insurance or annuity applications, additional personal, financial, and health information may be collected and shared with the appropriate carrier or service provider as required to evaluate the application.

For more detail, review the Privacy Policy.

Do not send highly sensitive information through a general inquiry form or an unsolicited email.

This includes:

• Social Security numbers
• Account passwords or security codes
• Complete bank or payment-card numbers
• Full medical records
• Copies of identification documents
• Detailed insurance application information

When sensitive information is needed, LegacyBuilt will direct you to the appropriate approved form, carrier process, payment page, or other secure method.

No.

LegacyBuilt does not provide investment management, individualized investment recommendations, tax preparation, individualized tax advice, legal advice, or legal-document preparation.

Financial coaching and educational conversations may help you organize information, understand a decision, and prepare questions. When specialized advice is needed, you should work with an appropriately qualified professional.

No.

Website content is provided for general educational and informational purposes. It does not account for every visitor’s complete financial circumstances and should not be treated as an individualized recommendation.

Personalized guidance begins only after LegacyBuilt has gathered enough relevant information through the appropriate consultation or client process.

LegacyBuilt will be honest when a question or need requires another qualified professional or a service that LegacyBuilt does not provide.

Depending on the situation, you may be encouraged to speak with a tax professional, attorney, investment professional, credit-repair provider, debt-relief provider, accountant, lender, carrier, plan administrator, or another appropriate resource.

One person or service should not pretend to do everything.

Contact LegacyBuilt with a brief description of what you need help understanding.

Do not include highly sensitive personal, financial, medical, or account information in the initial message. LegacyBuilt can help identify the appropriate next step or let you know when the request falls outside its services.