4.3/5
Service Evaluation
Key Takeaway: Leverage Planning (Expert Score: 4.3/5.0)
Leverage Planning earns a BestGuide Expert Score of 4.3/5.0, reflecting its strong performance as a specialized digital marketplace for annuities and long-term care (LTC) insurance. The firm scores highest in Product Transparency (90%), making it an excellent, free-to-use platform for retirees who want to easily compare rates from top-tier insurance carriers without navigating high-pressure sales tactics.
Leverage Planning earns an Expert Score of 4.3/5.0 from BestGuide, positioning it as a strong contender for investors seeking guaranteed income strategies and asset protection. This comprehensive Leverage Planning review analyzes the firm’s services, fees, and client suitability based on our proprietary evaluation framework. Our analysis of multiple expert opinions and data points reveals a company highly focused on simplifying complex insurance products through technology.
We evaluate companies based on a transparent, data-driven process. While many Leverage Planning reviews exist, our report synthesizes expert data into a single, quantifiable score to simplify your decision-making process. The firm’s model is best suited for individuals who prefer a modern, tech-enabled experience to shop for retirement income products.
How Leverage Planning Works
Leverage Planning operates as an independent, nationwide insurance agency and digital platform that specializes in annuities and long-term care insurance. The client engagement process follows a streamlined, modern approach.
Initial Online Rate Comparison
The process begins online, where prospective clients can easily check their eligibility and compare real-time offers from top-rated insurance companies. The platform is designed to demystify complex products like Multi-Year Guaranteed Annuities (MYGAs) and Fixed Indexed Annuities (FIAs) by providing clear rate breakdowns directly on their site.
Strategy and Expert Consultation
Because annuities are complex financial instruments, the digital experience is backed by a team of licensed annuity and long-term care specialists based in Omaha, Nebraska. Clients can schedule consultations to clarify their options, discuss their specific retirement income needs, and understand the nuances of surrender charges and market value adjustments without dealing with pushy sales tactics.
Application and Implementation
Once a client selects the most suitable annuity or long-term care policy, the Leverage Planning team facilitates the application and account transfer process. They handle the heavy lifting of coordinating with major carriers (such as Athene, Corebridge Financial, or Lincoln Financial), ensuring that the transition of funds from existing 401(k)s, IRAs, or cash accounts goes smoothly.
Who Leverage Planning Is Best For
Leverage Planning is best for pre-retirees and retirees who are seeking specific insurance products, namely annuities or long-term care policies, to secure guaranteed income or protect their assets. The firm’s digital-first model is highly attractive to self-directed investors who want transparent access to competitive rates, but still value having a licensed specialist available to answer complex questions.
Leverage Planning Standout Features
Based on BestGuide’s analysis, several features differentiate Leverage Planning from traditional financial advisors or captive insurance agents. These features contribute to its overall Expert Score of 4.3/5.0:
- Digital-First Transparency: Unlike traditional brokers who hide rates behind mandatory sales calls, Leverage Planning functions as an open marketplace, allowing users to browse top-tier MYGA rates and annuity options online.
- Deep Product Specialization: The firm does not attempt to be a “jack of all trades.” They focus exclusively on complex insurance products, asset protection, and retirement income planning, achieving an 85% score in Advisor Expertise for these specific niches.
- Free to Use Platform: Leverage Planning charges $0 directly to the consumer for using its platform or consulting with its specialists. They are compensated entirely by the insurance carriers upon the successful placement of a policy.
Leverage Planning Pros and Cons
| Pros | Cons |
|---|---|
| No AUM Fees: The platform is 100% free for consumers to use, with no hidden advisory or Assets Under Management (AUM) fees. | Not a Comprehensive Wealth Manager: They do not manage stock and bond portfolios or offer holistic wealth management services like a traditional RIA. |
| High Transparency: The firm scores 90% in Product Transparency in our analysis, exceeding the annuities industry average of 78%. | Niche Focus: Clients seeking comprehensive tax planning or estate planning will need to hire a separate CPA or attorney. |
| Access to Top Carriers: Leverage Planning works with a highly curated network of A-rated national insurance carriers (e.g., Allianz, Athene, Securian). | No Face-to-Face Meetings: As a nationwide digital platform, interactions are handled via phone, email, or video, lacking a local office presence in most states. |
Is Leverage Planning Legit?
Yes, Leverage Planning is a highly legitimate and reliable platform for purchasing annuities and long-term care insurance. Based in Omaha, Nebraska, the company operates as a nationwide licensed team of insurance specialists. The leadership team boasts decades of combined experience building and scaling insurance technologies, with a heavy focus on retirement security.
Furthermore, Leverage Planning holds excellent reviews on platforms like Trustpilot, where clients consistently praise the team (such as their Annuity Specialists) for being patient, knowledgeable, and transparent throughout the purchase process. Because they act as an independent broker rather than a captive agency, their advice is geared toward finding the best carrier for the client’s unique situation, solidifying their legitimacy and trustworthiness.
Leverage Planning Cost: What You Should Expect to Pay
One of the most attractive aspects of Leverage Planning is its cost structure: the platform is completely free to use for consumers. The firm does not charge hourly consulting fees or an annual Assets Under Management (AUM) fee like traditional financial advisors do.
Instead, Leverage Planning earns its revenue directly from the insurance carriers in the form of a commission when a client purchases a policy. These commissions are built into the structure of the annuity or long-term care product by the carrier and do not reduce the principal amount you invest or the guaranteed rates you are quoted.
The only financial requirement to use their services is meeting the minimum investment thresholds set by the insurance carriers themselves. Depending on the specific annuity (such as a MYGA), minimums typically range from $5,000 to $25,000.
Final Verdict: Leverage Planning Review
Leverage Planning earns an Expert Score of 4.3/5.0 from BestGuide, making it a highly-rated option for a specific type of investor. The firm’s greatest strength is its ability to demystify complex insurance products through an intuitive digital marketplace backed by knowledgeable human specialists in Omaha. Its 90% score in Product Transparency is a significant positive, indicating clear communication about rates and product details.
The primary drawback is that Leverage Planning is not a full-service wealth management firm. If you are looking for someone to manage your stock portfolio, provide deep tax strategy, or execute complex estate planning, you will need to look elsewhere. However, if you already have a general financial plan and are simply looking to secure guaranteed income or long-term care coverage through top-tier carriers, Leverage Planning is an excellent, friction-free choice.
Frequently Asked Questions About Leverage Planning
What do experts say about Leverage Planning?
Experts analyzed by BestGuide give Leverage Planning an overall score of 4.3 out of 5.0. The firm receives its highest marks for Product Transparency (90%) and Advisor Expertise (85%), indicating a strong focus on clear communication and specialized knowledge in the annuities market.
Is Leverage Planning worth it in 2026?
Yes, Leverage Planning is highly worth it for individuals looking to compare and purchase annuities or long-term care insurance. Because the platform is entirely free to use and provides access to top-rated national carriers, it offers significant value without imposing management fees.
What is Leverage Planning?
Leverage Planning is a specialized digital marketplace and nationwide insurance agency based in Omaha, Nebraska. It is designed to help consumers navigate complex retirement decisions by offering personalized recommendations and a curated selection of high-value fixed annuities and long-term care insurance products.
What are the fees for Leverage Planning?
There are no direct fees charged to the consumer for using Leverage Planning’s platform or consulting with their specialists. The firm is compensated via commissions paid by the insurance carriers when a policy is purchased.
Who is the ideal client for Leverage Planning?
The ideal client is a pre-retiree or retiree seeking to protect their assets or generate guaranteed income streams. They typically prefer a streamlined, digital-first shopping experience backed by the guidance of specialized insurance experts.