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The Leap Solution

21st Century Financial is proud to offer our clients the Leap System. Leap offers a unique model for managing personal finance that calculates every move and keeps you connected with your financial professionals every step of the way.

Your Financial Junk Drawer

<b>The Model for<br /> Financial Success</b><sup>&#174;</sup><b></b>

The Model for
Financial Success

The Leap Model incorporates everything from income and investments to insurance and taxes, offering a full view of your financial picture. Having a model to evaluate your financial performance eliminates managing your finances from a "junk drawer" approach. This unique model blends financial science and visual simplification with a philosophy of protection-savings-growth helping you achieve your financial potential.

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<b>Financial<br /> Discovery</b>


In today's fast paced, ever-changing environment, every move matters! To make the right moves at the right time, it's critical to see how money works. This means understanding the completeness of real financial life - personal realities, financial complexities, an eroding market, risk factors and taxes. Leap empowers financial professionals to help individuals, families and businesses simplify financial life through this discovery and design process.

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<b>Designing Your<br /> Financial Future</b>

Designing Your
Financial Future

With Leap's interactive tools, you not only learn how money works but you are also able to clearly see the impact of all your financial decisions. In addition, you and your Leap professional can simulate financial strategies and view potential outcomes, giving you clarity and confidence every step along the way. Through this design process, you own your financial journey and enjoy life on your own terms.

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Why Leap?

Because only addressing a portion of what impacts your financial life isn’t enough.
Leap was the first and only scientifically based financial system that considers all the components influencing your money. This model not only factors in your income and investments, but also gives you the complete picture, including things like taxes, fees, interest rates, protection for life's uncertainties, and much more. Understanding the factors that may be eroding your wealth is the first step to maximizing it.

Sane. Sound. Simple

Penn Mutual now refers to its insurance professionals as "financial professionals" in place of "adviser."    

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Your Future

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Our site is filled with educational videos, articles, slideshows, and calculators designed to help you learn more. As you search our site, send me a note regarding any questions you may have about any particular investment concepts or products. We'll get back to you quickly with a thoughtful answer.

How Does Leap Work?

<b>The Leap Model</b>

The Leap Model

Leap strategists and their clients work together to incorporate client data into Leap's celebrated protection, growth and savings diagram, better known as The Leap Model. It's made up of 27 individual drawers, letting both clients and financial professionals see the entire financial life at a glance, making coordination and wealth management a straightforward, uncomplicated process.


<b>Visualizing Lost Opportunities</b>

Visualizing Lost Opportunities

Like it or not, bank fees, government taxes, market volatility and more chip away at money and assets. This problem stretches far beyond the actual cost of the fees and penalties; it results in lost opportunity costs. What else could have otherwise been done with that money? The Leap Model helps you see the lost opportunity costs working against your wealth, and in turn offers strategic ways to overcome them.


&#160;<b>Full-Scope Analysis</b>

 Full-Scope Analysis

Looking at every aspect of the financial picture is one of the key components of the Leap approach. It's a simple idea that is so often overlooked in the financial arena. From debt to savings and investments to insurance, each part is separately analyzed to make it the best it can be. Then – and only then ­– the individual parts can be primed for coordination as a whole, maximizing every asset's efficiency and productivity.

<b>Constant Collaboration</b>

Constant Collaboration

With Leap's interactive tools, clients and professionals are able to constantly communicate and stay on the same page – even when they’re not physically together. Wealth protection, asset management and financial growth aren’t simply a “behind the scenes” activity with Leap. They all come together as a transparent coordinated effort that can be seen by both clients and their financial professionals in a way that simplifies personal finance and makes the most of client's potential.

"I'm a great believer that any tool that enhances communication has profound effects in terms of how people can learn from each other, and how they can achieve the kind of freedoms that they're interested in.”

- Bill Gates


About Leap

Leap Systems, is a leading provider of innovative financial systems for financial professionals throughout the United States and Canada.

Since 1980, Leap has been recognized by many of the world's top financial institutions as a leader and trusted resource for achieving superior results and delivering an end-to-end financial solutions.

Copyright© 2020 Leap Systems. The Leap Model®, Financial Stories®, Leap XRM®, Leap Pro®, PS&G Model®, Leap®, The Model for Financial Success®, Wealth In Motion®, Leap System® and the Leap logo are registered marks of Leap Systems, Patent Pending, all rights reserved.

The content within this website is for educational purposes only and should not be construed as investment advice. It is important to note that the implementation of any strategies provided as a part of LEAP are designed to aid one in reaching their financial objectives, but no assurance can be made that these objectives will in fact be reached. Individual results may vary. LEAP is independent of HTK. The views expressed are those of the presenting party and do not necessarily reflect the views of HTK or its affiliates. LEAP®️, Leap-The Model for Financial Success™️, The Leap Model™️, Macro Manager™️, Personal Macro Economics Process™️, Wealth In Motion®️, Protection, Savings, and Growth (PS&G) Model®️, and Lifetime Economic Acceleration Process™️ are trademarks and service marks of Leap Systems, LLC which is an independent affiliate of Penn Mutual Life Insurance Company (PML). HTK is a wholly owned subsidiary of PML. Trademarks belong to their respective owners.