Protect · Enjoy · Relax
Retirement, engineered.
Not guessed.
Engineered Portfolio Theory solves the six human expense problems every household faces in retirement — using the minimum portfolio necessary. Everything else is released, unrestricted, to grow however you want. With no risk of sabotaging your lifestyle.
The Framework
Every retirement has the same six problems.
Not risk scores. Not market forecasts. Six concrete human expenses that either get solved — mathematically, permanently — or quietly threaten everything else. Select each one.
Engineered Portfolio Theory
Solve the six. Release the rest.
Most planning starts with a risk-tolerance quiz and hopes the math works out. We start with the math. One size doesn't fit all — every structure is cut to fit one household: yours.
Solve all six problems
We calculate the minimum portfolio required to fully fund all six expense problems for your household — mathematically, not approximately — and lock it into structures built to hold.
Release everything else
Every dollar not needed for the six is set free — unrestricted, invested however you want, as aggressive or as quiet as you please. It answers to no one's spreadsheet.
Grow and spend, freely
Complete emotional freedom. Markets can do whatever markets do — nothing on the free side can ever sabotage the lifestyle you've already secured on the solved side.
What We Do
Six problems. Six disciplines.
Income Security & Cash Flow Planning
A retirement paycheck engineered to arrive on schedule, regardless of what markets are doing that month.
Investment & Portfolio Protection
The minimum locked down to protect your lifestyle; the rest positioned to grow without a leash.
Tax Reduction & Efficiency Strategies
Withdrawal sequencing and conversion timing designed to keep the IRS at its legal minimum.
Healthcare & Long-Term Care Planning
The big, awkward expense solved on paper before it ever becomes an emergency in life.
Estate & Legacy Planning
What you leave behind, decided by you — not by probate, default beneficiaries, or chance.
Education & Workshops
Live webinars and workshops that teach the math plainly, so you can judge it for yourself.
As Heard On
Promotional consideration paid by Leverage Planners Wealth Management, LLC.
The Founder
David Donhoff doesn't do wallpaper.
Decades in financial services taught David one uncomfortable thing: most retirement advice is a product pitch wearing a cardigan. So he built a firm around the opposite — teach the math first, in plain English, and let households see the structure before they're asked to trust it.
“If your plan can't be written down as arithmetic, it isn't a plan. It's a hope with a brochure.”
As a fiduciary registered in Washington State, David is legally and personally bound to one standard: what's provably best for your household — not what pays best, and not what's easiest to sell.
Live Webinar
See the math before you meet the mathematician.
Join our free live retirement webinar and watch Engineered Portfolio Theory worked through end to end — the six problems, the minimum-portfolio calculation, and what “released, unrestricted” actually looks like in numbers. Bring hard questions. That's the point of it being live.
We work best with households holding $500K–$1.5M+ in investable assets, within about five years of retirement.
Is Leverage Planners right for you?Next Step
Talk to us before the retirement date on your calendar decides for you.
An introductory meeting is a conversation, not a sales call. We'll look at your six problems, sketch the arithmetic, and tell you plainly whether we're the right fit.
Book an Introductory Meeting