Retirement Shouldn't Feel Like a Gamble.
Discover How The Bucket Plan® Helps Organize Your Retirement Income with Confidence.
The Bucket Plan is a simple, easy-to-understand retirement strategy that helps separate your money based on when you'll need it, not just where it's invested.
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Whether retirement is five years away or already here, The Bucket Plan can help you create reliable income while giving your long-term investments time to grow.
What is the Bucket Plan?
Imagine every dollar in your retirement savings having a specific job.
Instead of viewing your retirement accounts as one large pile of money, The Bucket Plan organizes your assets into three separate "buckets," each designed for a different stage of retirement.
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This approach can help reduce emotional investing, create more predictable retirement income, and provide greater confidence during market volatility.
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Money you'll use over the next 1–2 years.
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Typically includes:
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Cash
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Checking & Savings
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Short-term investments
Purpose: Cover your immediate income needs without worrying about what the market is doing.
Soon
Money you'll likely use over the next several years. This bucket is designed to replenish your income bucket while balancing growth and stability.
May include:
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Bonds
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Conservative investments
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Dividend-producing assets
Purpose:Help maintain income while reducing the need to sell long-term investments during market downturns.
Later
Money intended for the later years of retirement. Since this money isn't needed immediately, it has more time to recover from normal market fluctuations.
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May include:
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Stocks
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Equity investments
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Long-term growth strategies
Purpose: Fight inflation and support income throughout retirement.
Retirement Isn't Just About Growing Your Money.
It's about knowing which money to spend first.
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One of the biggest challenges retirees face is withdrawing money during market declines. Selling investments at the wrong time can permanently reduce the longevity of a retirement portfolio.
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The Bucket Plan helps address this challenge by creating a structured withdrawal strategy that allows long-term investments additional time to recover while short-term expenses are covered by more stable assets.
Why Clients Appreciate The Bucket Plan
Our Planning Process
Discovery
We learn about your goals, concerns, current investments, retirement vision, tax situation, and what matters most to your family.
Design
Together, we develop a personalized Bucket Plan strategy built around your retirement timeline and financial priorities.
Deliver
We coordinate the details of putting your strategy into action, helping make the transition as seamless as possible.
Dedicated
Life changes. Markets change. Your retirement plan should evolve with them. We'll continue reviewing and adjusting your strategy as your needs change over time.
The Bucket Plan Explained
