I help families see exactly where their money goes, stop paying interest they don't have to, and put that money back to work for them.
Enter a balance, its interest rate and what you pay each month. Then switch to the Debt Freedom strategy to see how money we free up pays it off sooner, and where that money goes next.
The average rate on credit cards that charge interest was 22.36% in August 2026, according to the Federal Reserve. Assumes no new charges.
These are the first things we review with every client, because they're usually the fastest money to get back.
Most of a minimum payment goes to interest, not the balance. Your Debt Freedom plan targets that interest first.
Streaming, apps, memberships and trials that turned into charges. Your Money Check-Up lists every one so you can decide what stays.
A higher deductible can lower your premium. We show you the trade-off and get you a real quote, so you only switch if the math works.
Escrow should match your property tax and homeowners insurance, plus a cushion of no more than two months. We compare yours and help you ask for a review if it's high.
Sources: Federal Reserve G.19 consumer credit release (credit card plans, accounts assessed interest); Insurance Information Institute; Regulation X, 12 CFR 1024.17. Savings vary by person and are not guaranteed.
Four steps, done together. You decide on every change before it happens.
Answer a few questions about your income and debts. You'll see what interest costs you today.
Connect your bank read-only to find subscriptions, insurance, loan and escrow charges.
I walk you through your Debt Freedom Blueprint, including whether a life insurance strategy fits your situation.
We cancel what you don't use, with your written OK, and put the money you free up toward your plan.
"Most families I meet don't have an income problem. Their money is leaving before they ever get to use it."
Keyon Edwards, founder of KeyLock Financial
I've worked in financial services for nine years and have been a licensed agent for the last five. Along the way I've built multiple seven- and eight-figure companies, spoken on stages across the country, and been featured on podcasts and interview shows about money and business.
Licensed in life, health, and property and casualty insurance in all 50 states. I also advise on employee benefits, advanced tax strategies, and trust and estate planning, working alongside attorneys and tax professionals.
Talks and interviews on getting out of debt, using life insurance the right way, and building wealth.
Interviews, features and the communities where Keyon teaches.
Share your experience in a short written or video review. It helps other families decide.
Bank connections run through Plaid. We never see your login, and no one can move money through the connection.
Before I cancel anything, you get an email listing each item and confirm it yourself.
Your data is encrypted, never sold, and you can disconnect and ask for deletion at any time.
Have another one? Email keyonedwards@keylockfinancial.com.
No. It's free, there's no credit check, and I review every one myself.
Yes. The connection runs through Plaid, the same service many banking apps use. Your login goes straight to your bank, access is read-only, and you can disconnect from your dashboard at any time.
You pick what goes. I send you an email listing each subscription, and only after you confirm do we cancel them together on the phone. You never share a password.
For some families, a properly structured whole life policy lets money that would go to interest build value they own instead. It isn't right for everyone. Any policy depends on underwriting and costs, and the insurance company provides the official illustration before you decide.
If your escrow collects more than your taxes and insurance require, your servicer can lower the escrow part of your payment and refund surpluses of $50 or more after its yearly review when you are current on payments. We show you the numbers so you can ask.
Start with the free Debt Snapshot. I'll review it and reach out with next steps.