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The Retirement Buckets® Income Plan

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

The Retirement Buckets® Income Plan was built to help you retire and stay retired.

Transition from employment paycheck to retirement income.

Time-tested strategy built as a web-based financial planning software to create retirement income advice with automated risk management.

Take control of your financial future.

Built to provide you a retirement income roadmap, delivering advice, guidance, and direction, while putting the implementation management in your hands.

Income advice for a lifetime.

Retirement income Planning Advice and Investment Advice with asset allocation, investment selection for each Bucket, and rebalancing recommendations.

The Retirement Buckets® Income Plan was built to help you retire and stay retired.

Transition from employment paycheck to retirement income.

Time-tested strategy built as a web-based financial planning software to create retirement income advice with automated risk management.

Take control of your financial future.

Built to provide you a retirement income roadmap, delivering advice, guidance, and direction, while putting the implementation management in your hands.

Income advice for a lifetime.

Retirement income Planning Advice and Investment Advice with asset allocation, investment selection for each Bucket, and rebalancing recommendations.

Get started with our FREE tool to help you decide on what age to begin collecting your Social Security benefits.

Estimated Social Security Cumulative Benefit Amount.

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 inputted by you.

Age to begin collecting your benefits.

Determine what age to begin collecting your benefits guided by highlighted cumulative amounts automatically calculated in five scenarios.

Get started with our FREE tool to help you decide on what age to begin collecting your Social Security benefits.

Estimated Social Security Cumulative Benefit Amount.

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 inputted by you.

Age to begin collecting your benefits.

Determine what age to begin collecting your benefits guided by highlighted cumulative amounts automatically calculated in five scenarios.

Our goal is to empower people to retire and stay retired.

We believe people want to have 'guilt-free spending' in their retirement. They want to know if they will be able to maintain their lifestyle and avoid running out of assets, becoming a burden to their family.

Retirement Buckets® was built to help our customers define a vision of their ideal financial future and help them plan to make it a reality.

Explore all features to help you take control of your retirement income.

home-mission

What does your bucket list look like?

Let The Retirement Buckets® Income Plan help get you there.

Most frequently asked questions.

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

See a full list of FAQ or Contact Us to get all your questions answered.

What is ‘retirement income’?

While working your whole life, earning a paycheck and saving for retirement, you are in the accumulation phase. Once you retire, you are transitioning to the 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 created to help you decumulate your retirement savings into a continuous income stream throughout retirement, adjusting for the cost of inflation, supplementing the gap through 10, 20, 30+ years of retirement.

How does The Retirement Buckets® Income Plan work?

After inputting all your assumptions about desired income, fixed income settings, and life expectancy, the plan will generate the Retirement Income Overview. This will show how much total savings you will need to fund all four buckets on the implementation day and the initial amount in each bucket. Following the implementation, you will receive a quarterly task to rebalance the buckets, and a task every 5 years to do a bucket transfer. This will keep the buckets balanced and on track throughout your retirement. It’s that simple.

How difficult is this?

First, we always want you to feel comfortable before thinking this is the right solution for you. We offer everyone a 30-Day FREE TRIAL to get used to it and see how easy it is to navigate. By taking that time, using the software and changing the assumptions, our clients have uncovered many ways they can maximize their retirement income. In addition, with digital banking and online sales, people have become accustomed to the convenience of doing things on their time and retirement should be no different! Being able to take care of your investments and manage your retirement from anywhere you chose is important when you have a busy schedule and are enjoying the free time you’ve earned.

What if I do not have enough savings?

Many people overestimate what they need, while others underestimate. This is an important decision, so we recommend you use an expense worksheet to get an accurate amount required. Also, working longer and postponing collecting Social Security will help in a few ways. You will be drawing retirement income later, you can continue to contribute to your retirement savings while working, and your social security benefits will increase every year you postpone up until the age of 70. Use the Social Security Estimator to determine when to begin collecting your benefits. Adjusting your portfolios to reflect a much more aggressive return to supplement your shortfall is not recommended.

What does it mean a ‘subscription plan’?

Financial professionals often charge their clients an asset-based fee, traditionally varying between 1% to 2% of the amount you have invested with them. This means that a portfolio with $100,000 will cost $1,000 to $2,000 in fees annually. The Retirement Buckets® Income Plan provides the guidance necessary to replace asset-based management fees with a single, low monthly subscription fee that makes financial management affordable, and it puts you in charge of your money!

Do I still need a financial advisor?

There are many clients who do not need to have a professional financial advisor. Their only need is to be able to decumulate their savings to create lasting retirement income, which is what The Retirement Buckets® Income Plan was designed to do. But that does not always cover every need. For legacy planning, estate planning, long-term health concerns, as well as many other services a financial professional could provide, it is recommended to meet with them to ensure you are retiring with everything in place. Do it early, so that you don’t have to worry about it and you can spend the rest of your time enjoying retirement.

Retirement Buckets®
subscription-based pricing*

$240
when paid annually

$1,200 over 5 years.
$2,400 over 10 years.
$4,800 over 20 years.
$7,200 over 30 years.

* The above example assumes any level of assets invested.

$300
when paid annually

$1,500 over 5 years.
$3,000 over 10 years.
$6,000 over 20 years.
$9,000 over 30 years.

* The above example assumes any level of assets invested.

Other firms
asset-base pricing**

$2,000
per year, every year

$10,000 over 5 years.
$20,000 over 10 years.
$40,000 over 20 years.
$60,000 over 30 years.

** The above example assumes $400,000 invested.

$4,000
per year, every year

$20,000 over 5 years.
$40,000 over 10 years.
$80,000 over 20 years.
$120,000 over 30 years.

** The above example assumes $400,000 invested.

$3,000
per year, every year

$30,000 over 5 years.
$60,000 over 10 years.
$120,000 over 20 years.
$180,000 over 30 years.

** The above example assumes $400,000 invested.

Straightforward pricing.

Our low subscription-based advisory fee is simply based on the plan you choose, regardless of your level of assets.

Save much more with our unlimited referral program.

Straightforward pricing.

Our low subscription-based advisory fee is simply based on the plan you choose, regardless of your level of assets.

Save much more with our unlimited referral program.

Retirement Buckets®
subscription-based pricing*

$240
when paid annually

$1,200 over 5 years.
$2,400 over 10 years.
$4,800 over 20 years.
$7,200 over 30 years.

* The above example assumes any level of assets invested.

$300
when paid annually

$1,500 over 5 years.
$3,000 over 10 years.
$6,000 over 20 years.
$9,000 over 30 years.

* The above example assumes any level of assets invested.

Other firms
asset-base pricing**

$2,000
per year, every year

$10,000 over 5 years.
$20,000 over 10 years.
$40,000 over 20 years.
$60,000 over 30 years.

** The above example assumes $400,000 invested.

$4,000
per year, every year

$20,000 over 5 years.
$40,000 over 10 years.
$80,000 over 20 years.
$120,000 over 30 years.

** The above example assumes $400,000 invested.

$3,000
per year, every year

$30,000 over 5 years.
$60,000 over 10 years.
$120,000 over 20 years.
$180,000 over 30 years.

** The above example assumes $400,000 invested.

How does it work?

01

Start with a plan.

To maintain your lifestyle, use the Retirement Buckets® to help you transition from employment paycheck to retirement income.

01

Start with a plan.

To maintain your lifestyle, use the Retirement Buckets® to help you transition from employment paycheck to retirement income.

02

Stay on track.

Follow the simple tasks of the the Retirement Buckets® roadmap to stay on track and maintain long-term retirement income.

02

Stay on track.

Follow the simple tasks of the the Retirement Buckets® roadmap to stay on track and maintain long-term retirement income.

03

Enjoy life.

Eliminate the emotional shifting of portfolios to help ensure the retirement income plan is stable throughout your retirement.

03

Enjoy life.

Eliminate the emotional shifting of portfolios to help ensure the retirement income plan is stable throughout your 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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