The Bucket Plan

Your goals drive the planning process rather than product sales

The Bucket Plan is a step-by-step framework that ensures all factors of your financial life are coordinated and working together to maximize your wealth now and for years to come.

The Bucket Plan allows us to:

• Time-segment your investments to achieve immediate, short, and long term goals

• Deliver a wealth plan you can actually understand

• Account for diverse financial circumstances

Now Bucket (Safe and Liquid)
The “Now” bucket is designed to be your safe and liquid money to be used to cover expected expenses in the next 12 months, such as a new car or home repairs. It’s also an emergency fund in case unexpected expenses arise.

Soon Bucket (Conservative and Income)
The “Soon” Bucket is the preservation or opportunity bucket. Because this money may be needed sooner rather than later, it is invested for growth—but within a more conservative framework. This may provide reliable income in the first phase of retirement and act as an inflation hedge to help combat the rising cost of living. In retirement, by investing your “Soon” Bucket more conservatively, you can avoid the risk of being forced to sell during a large downward swing, ultimately liquidating a bigger piece of your overall portfolio for the same income amount. The “Soon” Bucket is created to reduce your exposure to extreme market fluctuations, ultimately reducing sequence of returns risk in retirement. For a professional who is a longer way from retirement, the “Soon” Bucket can act as an opportunity bucket to help increase your wealth when opportunities arise.

Later Bucket (Long Term Growth and Legacy Planning)
The “Later” Bucket is designed for long-term growth and legacy planning. Having bought a time horizon with the first two buckets, you can choose to invest in vehicles with a longer time commitment and greater growth potential with more confidence. This bucket can play a critical role in legacy planning too, particularly to provide income replacement for a surviving spouse.

For those in the prime of their careers, our holistic planning process, The Bucket Plan, will help you navigate the challenges that a busy life can have on maximizing opportunities to build your wealth. We start with having assets allocated to meet your short-, intermediate-, and long-term financial goals and delivery actively managed strategies that strive to maximize your wealth. Lastly, we layer on risk management for the what-ifs in life as well as advanced tax planning to help minimize your taxes, today and into the future.

Pre-Retirees & Retirees
Navigating market volatility, taxes, inflation and increasing life expectancies can be challenging when planning for retirement today. Invest too safely and you run the risk of losing purchasing power due to inflation; invest too aggressively, and you can be subject to significant financial loss. Both scenarios can create the risk of running out of money in retirement or having to reduce the standard of living you are accustomed to.

If you are at or near your retirement goal, The Bucket Plan helps mitigate the greatest dangers of retirement today, including market risk, interest rate risk, sequence of returns risk and tax inefficiencies all while helping you continue to grow your wealth to live the retirement you want.

For retirees, The Bucket Plan helps to:

  • Structure your money to provide reliable, tax-advantaged income throughout retirement
  • Protect against the what-ifs specific to retirement, such as healthcare planning
  • Align your assets to pass on to the intended beneficiaries in the most tax-efficient manner