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How it works

The Retirement Buckets® Income Plan is complex in design, but simple to use to help you retire and stay retired with confidence.

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 invest.

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 years, but how do you do that?

You may realize that those well-polished skills of earning a paycheck, saving money, and investing are valuable, but 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!

While working your whole life you are in the accumulation phase. Once you retire, you are transitioning to the decumulation phase and need to start creating a monthly income for yourself.

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 distribute 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.

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

This will show how much in total savings you will need to fund all four buckets on the Implementation Date and the initial amount in each bucket (see 5; 7-10 below).

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 help keeping the buckets balanced and on track throughout your retirement. It’s that simple.

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.

01

Start with a plan.

To start using the Retirement Buckets®, complete the Income Settings by answering a few simple questions about the retirement income you desire, available income, and your investing preferences.

We will build you a roadmap with retirement income advice and detailed Overview reports for future income, cash flow, and implementation plan.

You can implement the plan and use our investment advice at any firm of your choice and have full control over the cost of implementation.

01

Start with a plan.

To start using the Retirement Buckets®, complete the Income Settings by answering a few simple questions about the retirement income you desire, available income, and your investing preferences.

We will build you a roadmap with retirement income advice and detailed Overview reports for future income, cash flow, and implementation plan.

You can implement the plan and use our investment advice at any firm of your choice and have full control over the cost of implementation.

02

Stay on track.

You will be provided with quarterly updates to rebalance portfolios, tasks to transfer the buckets every five years to support long term viability, and comprehensive reports to help you stay retired with confidence.

Taking control of your financial future is easy to implement with the right tools. The Retirement Buckets® Income Plan will provide you with all ongoing Activities, advice, and tasks to follow to stay on track.

02

Stay on track.

You will be provided with quarterly updates to rebalance portfolios, tasks to transfer the buckets every five years to support long term viability, and comprehensive reports to help you stay retired with confidence.

Taking control of your financial future is easy to implement with the right tools. The Retirement Buckets® Income Plan will provide you with all ongoing Activities, advice, and tasks to follow to stay on track.

02

Stay on track.

You will be provided with quarterly updates to rebalance portfolios, tasks to transfer the buckets every five years to support long term viability, and comprehensive reports to help you stay retired with confidence.

Taking control of your financial future is easy to implement with the right tools. The Retirement Buckets® Income Plan will provide you with all ongoing Activities, advice, and tasks to follow to stay on track.

03

Enjoy life.

The Retirement Buckets® Income Plan does not require our clients to closely monitor the financial markets, alleviating the fears of 'unintentional mismanagement'.

The volatility management is built into the Bucket Strategy and the emotional shifting of portfolios is controlled, leaving retirees feeling at ease that their roadmap to long-term retirement is on track.

The Retirement Buckets® internally de-risks the overall asset allocation advantageously allowing the distribution of assets throughout retirement.

03

Enjoy life.

The Retirement Buckets® Income Plan does not require our clients to closely monitor the financial markets, alleviating the fears of 'unintentional mismanagement'.

The volatility management is built into the Bucket Strategy and the emotional shifting of portfolios is controlled, leaving retirees feeling at ease that their roadmap to long-term retirement is on track.

The Retirement Buckets® internally de-risks the overall asset allocation advantageously allowing the distribution of assets throughout 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.

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

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