The Leverage Planners Protective Pledge

The Protective Pledge: Our Commitment to You

We believe your advisor should stand by their recommendations. That’s why we created the Protective Pledge—a promise to pause our advisory fees on eligible accounts if performance falls below where you started for the year.

When you entrust your wealth to us, you deserve clarity, accountability, and partnership through every market cycle.

What It Means for You

• If your eligible accounts end the year below their starting value, we pause our advisory fee.

• Fees stay paused until performance returns above your starting point.

• No hidden fine print—just shared accountability.

• Annual reviews ensure you know exactly where you stand.

How It Works

1. You invest fully in one or more of our specialized strategies designed to protect and grow wealth.

2. We review your performance every year.

3. If your account qualifies for the pledge and ends the anniversary year negative (before fees), your advisory fees pause the next year.

4. Fees resume once your account rebounds.

Why We Offer This

We can’t control the markets, but we can control how we show up when it matters most. The Protective Pledge is our way of demonstrating that we’re in this together.

View Full Details & Eligibility

Eligibility Requirements

• LPWM must be your sole advisor with discretionary authority.

• All assets in the account must be allocated to our approved models:

  • Gap Income

  • Life Income

  • Medical Income

  • Luxury Income

• No outside investments included.

• Negative performance is measured before fees on your account’s anniversary date.

Full Disclosure

Protective Pledge – For Leverage Planners Wealth Management, LLC (“LPWM”) client accounts that meet all the criteria as described below (”Applicable Accounts”), LPWM will pause the billing of clients Applicable Accounts until such accounts regain positive performance, if all conditions are met as listed below:

• • • LPWM is the sole registered investment advisor to the Applicable Accounts and LPWM has discretionary authority as defined in section 1 of LPWM’s wealth management agreement.
    • All assets subject to our Protective Pledge in the Applicable Accounts are invested in the following LPWM models;
      • ‘Gap Income’ protected opportunity models
      • ‘Life Income’ endurance models
      • ‘Medical Income’ principal-blossoming models
      • ‘Luxury Income’ protected vitality models
    • The Applicable Accounts do not hold any securities that were not purchased or recommended by LPWM.
    • The Applicable Accounts have an annual negative performance between the 1^st day and the final day of the accounts’ anniversary.
    • Negative performance is defined as lower values of all Applicable Accounts (before accounting for fees) at the end of the anniversary year, versus the beginning.
    • Applicable Accounts that meet the criteria and conditions of the Protective Pledge, as described above, will not be charged an advisory fee (if billable) starting on the following anniversary year until positive performance is achieved. Once the Applicable Account achieves positive performance in a calendar quarter, LPWM will reinstate the agreed upon advisory fee, (if any,) effective the first full month after total values are greater than anniversary starting values (before fees.)
    • The Protective Pledge cycle remains in effect until the termination of your wealth management agreement with LPWM or until the client opts out via written notice to LPWM. Performance reviews will be performed on Applicable Accounts at the end of each account anniversary. If at any point, a condition, as described above, is not met, the account[s] will no longer be deemed an Applicable Accounts and will not be subject to the Protective Pledge.