Stuart Solar · Lake Mary · Orlando · Sanford

The power company
has you in a contract
you never signed.

I'm Benjamin Stuart — an electrical engineer (UCF) and Central Florida energy consultant. I design solar, battery, and efficiency systems that get homeowners out of the unspoken contract with their utility and into one with fixed terms, real backup, and a 25-year warranty.

📎 Send your power bill — get a real analysis What I actually do

25-year warranty $0 for 24 months Engineer-designed No-pressure consult

Benjamin Stuart

B.S. Electrical Engineering · UCF

⚙ 15+ years in engineering & technical sales

⌂ Authorized partner — The American Solar Association

⌖ Lake Mary, FL — local, not a call center

Skip the sales call →

benjamin@leadharmonics.com (407) 923-1715

The Two Contracts

One you signed without realizing. One that plays in your favor.

Most homeowners don't think of their utility bill as a contract — but functionally, that's exactly what it is. Here's how the terms actually compare.

Contract A — Your utility

The unspoken contract you're already in.

No signature. No exit. No fixed rate.

Rate goes up 3–8% per year, compounding forever. You have no say.
FPL just raised rates 35%+ over the last 4 years. TECO rose 86% since 2020.
You build no equity. 30 years of payments, you own nothing.
No backup when it fails. Hurricane outage? You sit in the dark.
The grid is breaking. AI/data centers are eating capacity faster than utilities can build it.

Contract B — Your solar agreement

The contract built to play in your favor.

Fixed rate. Fixed term. Inflation-proof.

Rate locked for 25+ years. Your monthly cost doesn't move with inflation.
You build equity in your home — solar typically adds 4% to property value.
24 months of zero loan payments while you save on the utility bill from day one.
Battery backup included — keep the lights on when the grid goes down.
30% federal tax credit on the battery system, applied to your loan principal.

What I actually do

Whole-home energy design — not just solar quotes.

Most solar reps measure your roof and fire off a panel count. I look at the bigger picture — what mix of solar, storage, water heating, and HVAC efficiency gets you the smallest, smartest, longest-lasting setup. Backed by 10+ years of engineering, every design comes with a 25-year warranty.

⌂

Honest, right-sized analysis

Send me your power bill and I'll run a real analysis on your roof, your usage pattern, and your utility rate — using satellite imagery and your actual annual kWh. No bait quotes, no over-sized systems. Just a system sized to what your house actually uses.

Step 1 — always free

❄

AC upgrade analysis

If your AC is more than 10 years old, a modern high-SEER inverter system can cut HVAC consumption by 30–40%. That means a smaller (and cheaper) solar array does the same job — better cooling, lower bill, longer-lasting roof.

Cut HVAC use 30–40%

♨

Solar water heating

Hot water is 15–18% of a Florida home's electric bill. A dedicated solar water heater eliminates ~3 kW of panels from your array — that's $7k–$10k off the system before any incentives. Pays for itself faster than PV.

Save ~3 kW of panels

⚡

Tesla Powerwall + whole-home backup map

I design the circuit-by-circuit backup map for your home — what runs during an outage, what doesn't, and how long. Not "here's a battery, good luck." Storm season ready, with the federal 30% ITC applied to your loan principal.

30% federal tax credit on battery

▤

Rooftop · ground-mount · carport

If your roof is shaded, west-facing, or due for replacement, you don't have to wait. We design ground-mount arrays, solar carports, and pole-mount systems that perform better than a compromised rooftop install. More options = better answer.

Roof not required

⊞

Commercial sizing & design

Small business owner, warehouse, multifamily? Commercial solar still qualifies for the 30% ITC plus accelerated depreciation (MACRS). I run the financial model — IRR, payback period, depreciation schedule — and design to your demand profile.

ITC + MACRS still available

How the program works

Three steps. Two years of breathing room.

It's not a teaser. It's not a deferral. It's not a balloon. It's a normal 30.5-year solar loan — except for the first 24 months, you don't pay anything.

Solar & battery installed.

My team designs your system, the lender finances it (subject to credit approval). Zero out of pocket. Your power bill drops on day one.

$0 payments for 24 months.

First 6 months: lender's no-payment window. Next 18 months: The American Solar Association covers your loan payment directly. You owe nothing.

You take over month 25.

Same fixed payment for the rest of the term. No refinance. No payment shock. By then you've banked 2 full years of utility savings — money in your pocket, not the utility's.

Run the math

See your contract on paper.

Drag the loan amount to match a quote. The calculator shows the exact 30.5-year amortization with the 24-month no-payment window and what happens to your balance month-by-month.

Your loan amount

$10k$100k

APR (with auto-pay)

Loan term

30.5 years

Includes 6-mo lender no-payment window.

Optional: extra to principal

$ /mo

Mo 1–6: lender deferral Mo 7–24: WE pay your loan Mo 25+: you pay (same rate)

Principal balance over the 30.5-year term — watch the bold gold stretch where we cover the payments for you.

We cover months 1–24

You take over at month 25

Loans subject to credit approval through participating lender. Promotion applies to qualifying 30.5-year loans with auto-pay enrollment. Without auto-pay, the rate is 1% higher. Interest accrues on the outstanding balance during the lender's 6-month no-payment window. Programs, terms, and conditions are subject to change without notice. Figures scale with your specific loan and rate.

📎 Send me your power bill — I'll run your real numbers →

Or email directly: benjamin@leadharmonics.com

Why I do this

An engineer who got tired of watching good people sign bad contracts.

I spent over 15 years as an engineer in technical sales — talking to other engineers, signing contracts on equipment that costs more than houses, and watching every clause get scrutinized. Then I'd come home, open my own power bill, and realize I'd never read the most expensive contract of my life. Nobody had.

Solar isn't a product I sell — it's the only contract structure I've found that puts a homeowner back in the driver's seat on energy. And the math is what convinced me. So I work with an elite installation team, run the numbers honestly, and walk people through it the way I'd want someone to walk me through it.

⚙

Electrical engineer (UCF) I understand what's actually on your roof — efficiency curves, derating, real production vs. brochure numbers.

Finance-literate, not finance-careless You wouldn't sign a 30-year mortgage without understanding the amortization schedule. I won't let you sign a solar loan without it either.

⌂

Lake Mary / Orlando local I know which utilities cover which ZIPs, and what the net-metering rules look like in your specific neighborhood.

Certified & authorized

No-pressure consultation

Real math, real terms

Authorized partner — The American Solar Association

Timing matters

Why now — and not next year.

The grid is in the worst capacity crunch in modern history, and your utility is passing every dollar of it to you.

86%

TECO rates since 2020

Tampa Electric customers are paying nearly double what they were 5 years ago. FPL approved another major hike for 2026.

— Daytona Beach News-Journal

+133%

AI grid demand by 2030

U.S. data centers will go from 183 TWh to 426 TWh. Demand is exploding, supply is shrinking, and your bill is the relief valve.

— Bloomberg, Sept 2025

82 GW

U.S. capacity gap

The grid needs 104 GW of new generation by 2030. Only 22 GW is planned. Transformers have 30+ month lead times. Blackout risk is climbing.

— DOE / NERC

Honest questions

What people actually ask me.

What's the catch on the 24 months of no payments?

There's no catch — it's a marketing program funded in part by the federal 30% tax credit on home batteries (which gets applied to your loan principal). The American Solar Association covers your scheduled loan payments for 18 months after the lender's standard 6-month deferral window. Your loan is normal: 30.5-yr fixed, no balloon, no refinance, no payment shock.

Will my payment jump up at month 25?

No. The loan was always going to be the same fixed monthly payment for 30 years — it's just that for the first 24 months, you weren't the one writing the check. At month 25, you start making the same payment that was always scheduled. No refinance, no surprise.

Can I just pay cash?

You can — but you'd be skipping a 30% federal tax credit and the 24-month no-payment program. For most homeowners, financing through the partner lender, claiming the ITC, and applying it to the loan principal is the strongest math. I'll show you both scenarios side-by-side and you decide.

Are you the installer?

I'm your consultant — I do the design, financing analysis, and walk you through every number. The actual installation is handled by my partner team at The American Solar Association, a licensed Florida solar contractor. I stay involved through commissioning and remain your point of contact afterward.

What if I sell the house?

The loan is in your name and the system stays with the property. Buyers either pay off the remaining balance at closing or assume the loan with their own underwriting. Solar typically adds 4% to home resale value, so most sellers come out ahead either way.

How long is the consultation?

15–20 minutes on the phone. Send me your most recent power bill and your address — I'll pull your roof on satellite, calculate your annual usage from your kWh, and run the numbers honestly. If the math doesn't work for your house, I'll tell you. I'd rather lose a sale than oversell a homeowner who shouldn't go solar.

Referral Bonus Program

Know someone who should own their power?

Send a friend, family member, or neighbor my way — and when they sign, you get a cash bonus applied directly to your loan principal. No checks to chase. No gimmicks. Just money off your balance.

$2,000–$3,500+

Per signed contract

Refer anyone — friend, family, neighbor. The bonus scales with the size of the system they install. Bigger array, bigger bonus. Applied straight to your loan principal.

100%

Goes to your principal

Not a check, not a gift card — every dollar is applied directly to your loan balance. That means less interest paid over the life of the loan, and an earlier payoff date.

∞

No cap on referrals

Every signed contract earns. Three referrals on larger systems could knock $10k+ off your principal — years shaved off your payoff date.

🤝

How it works

Just send me their name and number — or have them mention your name when they reach out. I'll handle the rest. Once their system is contracted, your bonus is paid out — applied directly to your loan principal, or as cash if you prefer. A W-9 may be required depending on payout method (cash payouts are reportable; principal reductions may not be — confirm with your tax pro).

Send a referral →

Send me your
power bill — I'll send back
your real numbers.

The fastest way to get an honest answer: email me your most recent power bill. Within 24 hours I'll send back a personalized analysis showing your actual savings, system size, and what the 24-month no-payment program looks like for your house — no phone tag, no door-knocking, no pressure.

Email your bill (preferred) benjamin@leadharmonics.com · I respond within 24 hrs

Call or text (407) 923-1715 · 9am–8pm daily

Service area Lake Mary, Orlando, Sanford, Heathrow, Longwood, Apopka, Winter Park, Oviedo + surrounding Central FL

📎

Send me your power bill

It's the only way to give you a real number. The calculator estimates — your bill tells the truth.

What to send:

✓ A photo or PDF of your most recent power bill
✓ Your address or ZIP code (so I can pull your roof on satellite)
✓ Anything specific you want analyzed (HVAC age, pool, EV, etc. — optional)

📎 Email benjamin@leadharmonics.com

Or text a photo to (407) 923-1715

Your bill stays private. I never share or sell your data.

Don't have your bill handy?

Fill out a quick form instead →

The power company has you in a contract you never signed.