Retirement, without question.
Same conversation, different couple. Every time.
A couple comes in at 62. Two million in retirement accounts, a small pension, a folder of decisions they're "supposed to make." They've already got people: a CPA, an investment advisor, maybe an estate attorney their kids' lawyer mentioned. Each one is good at their piece. None of them are talking to each other.
So the husband does a Roth conversion in March, and his Medicare premium jumps two years later because nobody flagged the IRMAA bracket. The wife's beneficiary form contradicts the trust. The withdrawal sequence is tax-efficient on a spreadsheet and a disaster in practice. None of it is anyone's fault. There just wasn't a quarterback.
That's the gap I built Leverage Planning to close.
We're not the people you call to pick funds. We're the team that runs the whole plan: income, tax, estate, and Medicare as one coordinated thing, working alongside the professionals you already have. One quarterly rhythm. One number in your phone when something changes.
The shape of the work.
A coordinated retirement plan doesn't reduce to a single number. But these four describe how we operate, and what every client gets, regardless of where they are in the country.
The deliverables behind every plan.
The income waterfall, the four-pillar dashboard, and the quarterly review are what every client sees, regardless of where they are in the country. Here's what they look like in practice.
The income waterfall.
Year-by-year view of where every dollar of retirement income comes from (Social Security, pensions, taxable accounts, traditional and Roth), modeled across thirty years of tax brackets and life events.
The four-pillar dashboard.
One screen, all four pillars: income, tax, estate, Medicare. Status, next action, and who's responsible. Updated continuously, not once a year.
The quarterly review.
A short, focused conversation every ninety days, what changed, what we're adjusting, what's coming up next quarter. Recorded and summarized, so nothing gets lost between meetings.
Small by design. Coordinated by hand.
One team built around a single coordinated plan. We stay small so the coordination stays real.
Rhett Stubbendeck
Founded Leverage Planning to do retirement planning the way it should have been done all along: one team, all four pillars, on a quarterly rhythm.
Breann Urban
Works directly with clients on planning conversations, the discovery call, the plan delivery, and the ongoing coordination across the four pillars.
Aaron Brooker
Specializes in the long-term care side of retirement planning, modeling the costs that derail more retirements than markets do, and structuring how to fund them.
Cody Leach
Leads the technology that makes coordinated, virtual retirement planning work, planning tools, client portal, secure document workflow, and the systems behind every meeting.
Ryan Downey
Builds the internal tools and integrations that keep the firm running, from planner workflows to client-facing systems. Quiet engine room of a virtual-first firm.
Summer Nabity
Shapes how the firm shows up in the world — the website, the writing, and the educational content that helps people understand coordinated retirement planning before they ever book a call.
Colin Nabity
Leads firm growth, building the operating model, the strategic plan, and the partnerships that let coordinated planning scale without losing what makes it good.
Kitra Miller
Keeps the firm's calendars, communications, and client intake running smoothly. The reason your meetings are scheduled and your questions get answered the same day.
The best retirement income plans aren't clever. They're the ones that still pay you in year fifteen.
Most retirement advice is optimized for the year it was given. We build plans that hold up across decades, through market cycles we can't predict, tax law we can't control, and life changes we can't schedule. Durable is the whole point.
Let's find out if we're the right fit.
A 45-minute conversation about where you are and what your retirement needs to look like.