The Five Retirement Pillars

Retirement Planning That Protects What You’ve Built

Most folks spend decades growing their wealth. But planning for retirement isn’t about chasing more — it’s about making sure what you’ve earned actually supports the life you want.

At Leverage Planners, we don’t do one-size-fits-all. Your Retirement Lifestyle Plan is built around five critical pillars, each designed to protect your lifestyle from market drops, tax shocks, healthcare surprises, and legacy gaps.

We’ve helped hundreds of families in the same stage of life — ready to slow down, but not ready to leave anything to chance. This is what your plan should cover:

The Five Pillars Everyone Faces

1. Income Security
You’ve stopped working. Your money shouldn’t. We build your retirement paycheck first — with strategies designed to last 30+ years, regardless of what the markets do. Because when income is solid, everything else gets easier.

Dig into the income question →

2. Portfolio Protection
Now’s not the time for financial cliff diving. We design portfolios with sleeves — just like a good jacket — so you can blend growth, protection, and liquidity based on your goals. Market risk still exists, but it doesn’t need to threaten your lifestyle.

Explore how protection plays out →

3. Tax Reduction
Tax law isn’t permanent. We help you use current windows (like the expiring Trump Tax Cuts) to lower your lifetime tax bill — not just this year’s return. Our strategies integrate Roth conversions, bracket harvesting, and efficient income sourcing.

Understand how taxes shape retirement →

4. Healthcare Planning
Medical costs are one of the biggest threats to retirement. We help you build a plan for Medicare, supplemental coverage, and long-term care savings — so one diagnosis doesn’t derail your finances.

See how healthcare impacts the plan →

5. Legacy & Inheritance
A proper plan passes more than just money. We help you structure your legacy to reflect your values, support your heirs, and avoid costly probate delays. Whether you want to keep it simple or set up something lasting, we build around your intent.

Learn why legacy isn’t just for the wealthy →

You’re already living with these five pillars. Are they holding you up—or holding you back?

We didn’t invent the Five Pillars. Life did. What we can do is help you face them with clarity and confidence—so retirement feels less like a risk, and more like a reward.

Schedule a Free Intro Meeting See How Our Planning Process Tackles Each Pillar

Retirement Has Rules

You don’t have to follow a financial formula. But you can’t ignore the facts. These five areas will shape every retiree’s experience. The only question is whether you handle them by default—or by design.

✔️ Income: Will your money support the life you want—every year?
✔️ Protection: Can your plan take a hit and keep its footing?
✔️ Taxes: Are you steering the tax story—or just riding it out?
✔️ Healthcare: Is there a strategy behind the what-ifs?
✔️ Legacy: Will your values carry forward the way you intend?

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The Five Retirement Pillars

Retirement Planning That Protects What You’ve Built

The Five Pillars Everyone Faces

1. Income Security You’ve stopped working. Your money shouldn’t. We build your retirement paycheck first — with strategies designed to last 30+ years, regardless of what the markets do. Because when income is solid, everything else gets easier.

2. Portfolio Protection Now’s not the time for financial cliff diving. We design portfolios with sleeves — just like a good jacket — so you can blend growth, protection, and liquidity based on your goals. Market risk still exists, but it doesn’t need to threaten your lifestyle.

3. Tax Reduction Tax law isn’t permanent. We help you use current windows (like the expiring Trump Tax Cuts) to lower your lifetime tax bill — not just this year’s return. Our strategies integrate Roth conversions, bracket harvesting, and efficient income sourcing.

4. Healthcare Planning Medical costs are one of the biggest threats to retirement. We help you build a plan for Medicare, supplemental coverage, and long-term care savings — so one diagnosis doesn’t derail your finances.