Retirement looks different for everyone, there is no one size fits all. Our signature bucket strategy has helped our clients navigate retirement for nearly 25 years. Retirees need to have a designated plan to ensure they receive a paycheck that increases with inflation throughout retirement.
- Create retirement income that satisfies your lifestyle
- IRA rollovers & Roth conversions
- Pension maximization planning
- Portfolio analysis and design to match risk tolerance
- Long-term care planning
Retirement Income Bucket Strategy
Bucket 1: The Grill
We call this bucket the grill because it refers to money that is going to be spent within the first 5 years of retirement. You need a monthly check regardless of what the market does, so these monies will be invested in low risk investments to help ensure your check comes every month.
Bucket 2: The Fridge
This bucket is for years 6-10 of retirement and used to replenish bucket one upon depletion. Investments in this bucket are going to be low-medium risk to help fight inflation, but not suffer dramatically from large market swings.
Bucket 3: The Freezer
This is where the long-term money goes into a deep freeze to really offset inflation and grow for generations. These monies are usually concentrated in equities to help grow while maintaining an adequate risk-return allocation.