Broker Check

Retirement Income Planning Using our Bucket Approach

Our investment methodology for your retirement income is designed striving to help create growth while still protecting the money you need the most. We call it “Our Bucket Approach” and it divides your money into three “buckets” ranging from short-term to long-term spending needs. The goal is to keep short-term and intermediate cash-flow needs in relatively lower-volatility investments, potentially shielding them from volatile markets. Longer term savings are invested toward growth.

Short-Term Needs:

Short-Term Needs:

Next 1-2 years

For living expenses not covered by Social Security and/or pension and short-term spending needs.

Low-Risk, High Quality Investments

Intermediate-Term Needs:

Intermediate-Term Needs:

Next 3-10 years

For medium range spending needs and goals and perhaps to increase yearly income.

Fixed income funds, balanced stock funds/ETFs

Longer Term Needs:

Longer Term Needs:

Next 10+ Years

For longer-term needs and goals for mitigation of the effects of inflation. 

Stock funds/ETFs positioned toward growth