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The Retirement Buckets® Income Plan

Designed for Financial Advisors and Self-Directed DIY Users to create and manage retirement income.

Create and manage retirement income.

01

Plan.

Start using the Retirement Buckets® for FREE and create a plan to transition from employment paycheck to retirement income.

02

Implement.

The plan can be implemented at any firm of your choice where you will have full control over the investments and management.

03

Track.

Use the systematically updated Dashboard with projected values for each bucket to benchmark your investment portfolios throughout retirement.

Create and manage retirement income.

01

Plan.

Start using the Retirement Buckets® for FREE and create a plan to transition from employment paycheck to retirement income.

02

Implement.

The plan can be implemented at any firm of your choice where you will have full control over the investments and management.

03

Track.

Use the systematically updated Dashboard with projected values for each bucket to benchmark your investment portfolios throughout retirement.

Start planning with our FREE tools.

Age to begin collecting the benefits.

Determine at what age to begin collecting the Social Security benefits, guided by automatically calculated cumulative amounts highlighted in five scenarios.

Estimated cumulative benefits.

Estimate your total Social Security cumulative benefits with Cost-of-Living Adjustments (COLA) based on your Life Expectancy.

Five scenarios in a single screen.

Compare five estimated Social Security cumulative benefit amounts with custom life expectancy assumptions.

Start planning with our FREE tools.

Age to begin collecting your benefits.

Determine at what age to begin collecting the Social Security benefits, guided by automatically calculated cumulative amounts highlighted in five scenarios.

Estimated cumulative benefits.

Estimate your total Social Security cumulative benefits with Cost-of-Living Adjustments (COLA) based on your Life Expectancy.

Five scenarios in a single screen.

Compare five estimated Social Security cumulative benefit amounts with custom life expectancy assumptions.

How it works

retirement-income-overview
1

COLA adjusted gross Fixed Income (Social Security, pensions, annuities, etc.) available throughout the retirement years and grouped into 5-year periods.

2

Inflation adjusted gross Investment Income generated by the Investment Income Bucket Strategy and grouped into 5-year periods.

3

Total gross Retirement Income generated by Fixed Income and Investment Income and grouped into 5-year periods.

4

Investment Income Bucket Strategy is comprised of four buckets designed to help generate gross Investment Income.

5

Total initial investment amount needed to fund all four buckets of the Investment Income Bucket strategy.

6

Total projected investment income during your retirement years, including the initial investment and future earnings.

7
Current Income Bucket is a short-term risk-avoidance strategy designed to distribute an ongoing monthly income throughout the retirement years.
8
5-Year Growth Bucket is a short-term risk-minimization investment strategy designed to periodically refill the Current Income Bucket.
9
10-Year Growth Bucket is an intermediate-term risk-reduction investment strategy designed to periodically refill the Current Income Bucket and 5-Year Growth Bucket.
10
10-Year+ Growth Bucket is a long-term risk-management investment strategy designed to periodically refill the 10-Year Growth Bucket.
11

Initial investment amount for Bucket 1 to generate income for the retirement years 1 – 5.

12

Initial investment amount for Bucket 2 to generate income for the retirement years 6 – 10.

13

Initial investment amount for Bucket 3 to generate income for the retirement years 11 – 20.

14

Initial investment amount for Bucket 4 to generate income for the retirement years 21 to the end of plan.

Most frequently asked questions.

Some questions just come up more often than others. Here are the more common ones we hear.

Investment Link, LLC is a financial technology firm with relentless focus on the needs of customers in fulfilling the mission of providing a better way to create and manage retirement income using innovative technology and easy to use interface. Learn More.

What is The Retirement Buckets® Income Plan?

The Retirement Buckets® Income Plan is a web-based platform designed for Self-Directed Users and Financial Advisors to create and manage retirement income that can be implemented anywhere they choose. Learn More.

Is the Retirement Buckets® an investment adviser?

No. The Retirement Buckets® Income Plan is a web-based platform designed for Self-Directed Users and Financial Advisors to create and manage retirement income. It does not provide investment advice or financial planning services.

Do I still need a Financial Advisor?

The Retirement Buckets® Income Plan is a web-based platform designed for Self-Directed Users and Financial Advisors to create and manage retirement income that can be implemented anywhere they choose. It does not provide financial planning, investment, or tax advice; therefore, we strongly encourage our customers to consider meeting with a Financial Advisor.

Who does the trading?

We do not ask our clients to transfer or rollover their assets to Investment Link. The actual execution of trades is done by you. The plan can be implemented at any firm of your choice where you will have full control over the investments and management.

How difficult is this?

The Retirement Buckets® platform does not require any special training or technical skills to use it and the plan can be set-up in under 3 minutes.

We offer a 30-Day FREE TRIAL for Self-Directed Users and FREE demo account for Financial Advisors to start using the Retirement Buckets® and see firsthand how easy it is to navigate the software.

Let’s assume that in the past 30 years you’ve done everything you were supposed to do when it comes to retirement savings. You’ve saved in your 401(k) and learned how to manage those investments. Maybe you opened a Roth IRA to give yourself an extra boost. You spent your working years confident that you’ve learned how to earn a paycheck, save money, and grow those savings.

What happens when it is time to plan for your retirement income? You’ve gathered your Social Security and pension statements together, and as you expected, you need to use your savings to create more income to maintain the lifestyle you wish to enjoy over the next 30 plus years, but how do you do that?

You may realize that those well-polished retirement savings skills are no longer as important. You now need to learn how to make your savings generate an income to last through your life expectancy. Putting it in layman's terms, you need to know how to spend your savings and make it last. You need a plan!

During the years when you are earning a paycheck and saving for retirement, you are in the accumulation phase. Once you retire, you are transitioning to a decumulation phase.

The retirement income is made up of several components. First is your fixed income, including Social Security, pension, annuities, etc., which for most people is not enough to maintain their desired lifestyle. For example, if your desired income needs are $5,000 a month, but your fixed income is only $3,500, how do you accommodate for that gap?

The Retirement Buckets® Income Plan was built to help you create and manage the retirement income. In other words, it was built to help you decumulate your retirement savings, adjusting for the cost of inflation, supplementing the gap through 10, 20, 30+ years of retirement.

After inputting all assumptions about the desired income, fixed income settings, and life expectancy, the plan will generate the Retirement Income Overview.

This will show how much in total savings is needed to fund all four buckets on the Implementation Date and the initial amount in each bucket.

Following the implementation, the Retirement Buckets® will systematically update the projected values of each bucket to benchmark the investment portfolios during retirement.

Any plan. No credit card required.

We've removed all the barriers

so you can see for yourself how creating a plan to manage your retirement income puts you in control over your financial future.

Thank you for sharing!

Be sure to check our Refer-a-Friend program for potential permanent reduction to your advisory service plan fee.

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