Leverage Planning Review

About Leverage Planning

Leverage Planning focuses on helping individuals make informed annuity decisions by aligning financial products with broader retirement goals. Led by a team of experienced annuity and long term care insurance advisors, Leverage works closely with leading insurance carriers to present competitive options and pricing that meet your unique objectives.

Their platform is designed to make the annuity market easier to navigate by connecting clients with suitable products, insurers and rates based on factors like timeline, risk comfort and income priorities—saving you valuable time and effort.

With an emphasis on retirement income planning, asset protection and clear guidance, Leverage Planning supports clients in building income strategies intended to safeguard your retirement.

Types of Annuities Leverage Offers

Leverage Planning streamlines annuity shopping by providing recommendations and quotes from a vetted group of major insurance companies, including Athene, Allianz, Fidelity & Guarantee, Nationwide Mutual and Pacific Life.

Their licensed advisors operate independently of any single carrier, allowing them to offer objective insight when reviewing annuity options.

Common annuity types available through Leverage Planning include:

Fixed Annuities

Fixed annuities appeal to those seeking steady, predictable income since they offer a guaranteed interest rate for a set period of time, typically ranging from one to 10 years. Because returns are not tied to market performance, fixed annuities are often used by investors who prioritize stability.

Indexed Annuities

Indexed annuities are linked to market indexes such as the S&P 500, offering the potential for higher returns while including downside protection through guaranteed minimums. These products can be attractive to those who want growth potential without direct exposure to market losses.

Immediate Annuities

Immediate annuities begin payments shortly after a lump-sum investment is made. These products are often used by retirees who want to turn a portion of their savings into immediate, predictable income.

Deferred Annuities

Deferred annuities allow funds to grow over time before income payments begin at a predetermined date. They are commonly used by individuals who are still working and want to establish a future income source.

Working With Leverage Planning

A key advantage of working with Leverage Planning is their hands-on approach. Their advisors guide clients through each stage of the annuity process, ensuring clarity and confidence along the way. Here’s a look at what you can expect:

1. Request a custom quote:
   Complete a short questionnaire with basic financial information. A minimum investment of $50,000 is required. 
2. Meet with a licensed annuity advisor:
   Review goals, explore curated annuity options, and discuss pricing from highly rated insurers during a complimentary virtual consultation. 
3. Apply for coverage:
   Once a selection is made, the advisor assists with the application and paperwork to help ensure a smooth purchase process.

Leverage Planning Customer Support

Leverage Planning is known for its dedicated team of licensed annuity and long term care insurance specialists. From the initial consultation through policy setup, advisors provide ongoing support and objective guidance.

Client feedback frequently highlights the personalized attention and reassurance provided throughout the process, helping individuals feel comfortable and confident with their retirement choices.

How Leverage Planning Compares to the Competition

Leverage Planning operates as an independent annuity brokerage, offering access to a broad range of carriers along with advisor-led support. Here’s how it stands out among other platforms:

Leverage Planning vs. Gainbridge

Leverage Planning emphasizes advisor involvement and multi-carrier access, allowing for broader comparisons and strategic planning. Gainbridge offers a self-directed, online-only experience focused on its in-house annuity lineup, but does not provide the same level of guidance, flexibility or product variety.

Leverage Planning vs. Blueprint Income

Blueprint Income functions as an online marketplace where users can research annuities independently, with advisor assistance available if requested. Leverage Planning takes a more hands-on approach, combining advisor-led planning with access to multiple insurers and a broader view of retirement income strategy.

The Bottom Line: Why We Love It

Annuities can be a useful tool for creating reliable income in retirement, but the complexity of the market can make them difficult to evaluate. Leverage Planning offers a guided approach that connects individuals with licensed advisors and a wide selection of annuity products from top insurers, saving clients countless hours of independent research.

From the initial consultation through purchase and setup, their process is designed to simplify decision-making while providing access to competitive pricing and experienced guidance. For those looking to add annuities to their investment portfolio or retirement plan, Leverage Planning delivers a balanced approach by offering the best of both strategy and selection.