Predictable and Sustainable Income in Retirement
Your retirement should feel secure and stress free. We help you create a personalized plan that delivers steady income you can count on. Our goal is simple: give you confidence and clarity so you can enjoy the years ahead without financial uncertainty.

We’ve helped thousands of people, advising over $175 million on how to plan for and navigate retirement.
Nova Wealth was built on the belief that retirement planning should be personal. We saw an industry that often prioritized products and account size over people and left individuals feeling overlooked and unsure of their future. We knew there was a better way. Our focus is simple: understand your goals, create a strategy that fits your life, and give you the confidence to enjoy retirement on your terms. With us, it is never about pushing a product. It is about building a plan that works for you today and for the years ahead.
What Makes Us Special?
Our 3 Bucket System that focuses on the most important years of retirement, the first 7 years. 60% of retirement plans fail, and never recover, due to poor returns in those first critical years. Our 3 Bucket System protects those first 7 years so that unfortunate market timing doesn’t turn into the failure of your retirement plan. However, what really makes us special is that we are the same as the people we serve. We have families, we aren't ready to retire yet, and we're still navigating what's most important to us. Do we want to retire 10 years early or have more capital and income to travel more or escape to Florida for the winter. The plans we run for you, we also run for ourselves.
What is the 3 Bucket System, and how does it work?
What is the 3 Bucket System, and how does it work?
The three-bucket system is designed to simplify the retirement planning process and cover every factor that matters, through each stage of retirement, from the first 7 critical years to the final years regardless of whether your retirement lasts 20 years or 40.
Focuses on medium term stable growth to refill bucket 1 by year 8. Bucket 2 is a mix of conservative and growth investments.
Focuses on long term growth investments to preserve the wealth needed to refill Bucket 2, and outpace projected inflation.

Why Bucket 1 is Mission Critical
Why Bucket 1 is Mission Critical
Many retirees rely on a basic allocation strategy - investing in a 60/40 portfolio and withdrawing 4% annually. The Challenge. The common 60/40 portfolio can be devastating if you retire in a down market. Your portfolio may never recover due to sequence of returns risk where poor returns early in retirement permanently damage financial security. We create investment strategies driven by when you'll spend your money. Our proven 3-bucket system creates predictable, sustainable income during those first 7 years, and medium to long term investments that can benefit from and wait for the market cycles that lead to asset growth.

Your Personalized 3 Bucket Retirement Plan
Your Personalized 3 Bucket Retirement Plan
If you decide to work with us the first step is putting together your personalized 3 bucket plan. This process includes a deep dive into your current and projected income by source (such as Social Security, 401K or Pensions), and expenses based on where you live including healthcare costs, taxes, and inflation based cost of living adjustments.
Step 2 is a deep dive on the impact your geographic plans will have on cost of living increases from inflation, increased taxes, or insurance.
The final step is putting together your 3 Bucket Plan. The 3 bucket plan has 3 simple but key complimentary puzzle pieces, each with what if scenario models built into the budgets:
- Bucket 1 (Years 1 - 7) stability of income
- Bucket 2 (Years 8 - 15) higher return to refill bucket 1
- Bucket 3 (Years 16+) asset growth to refill bucket 2

Solutions for Every Stage of Retirement
Retirement isn't this moment in time when we stop working. It starts as early as our early twenties when we decide how much to put away each month, navigate the lifestyles we want, and set goals for how many years we want to and need to work before retiring. We've seen it all and we have solutions for every stage of retirement planning.

When Can I Retire
The # 1 question we get asked "When can I retire and enjoy the rest of my life?". The short answer is, we don't know, yet, but we will once we gather the right information. Our personalized retirement plans model multiple scenarios comparing the income and expenses providing you with a clear picture of the pros and cons for each choice.

Forced Early Retirement
In a minute everything can change. From 10 years to retirement to having the when to retire decision taken from you. It can be overwhelming. Our system was designed to navigate this transition by creating a personal plan to stabilize the next 12 months, bridge the gap to full retirement, and then manage retirement from beginning to end.
Talk with Us
Elizabeth Evanisko, CRC
Wealth Manager, Founding Partner

About Elizabeth
Since 2007, Elizabeth has been bringing her compassionate, honest approach to client relationships along with her extensive professional experience. As a Wealth Manager, she has a deep commitment to helping people and enjoys the opportunity to work one-on-one with clients and help them identify their most important goals and dreams.
“Growing up - my dad owned an auto repair shop that my grandfather started. He worked with generations of people who trusted my family. Crawling under a car never enticed me, but the relationships he built on trust lasted for generations. This career allows me to have those things too.”
Clear, direct advice geared toward each individual is a hallmark of Elizabeth’s style. She appreciates the hard work that went into earning and saving the money that is being entrusted to her care as a significant responsibility.
Elizabeth continues to act on advice she received early in her career—to live each day in light of the legacy she will leave and consider what her ultimate reputation will be at the end of her days.
Western New York has been her home her whole life; she currently lives in Eden with her husband and young family. Life in a small town suits her well, allowing her to spend plenty of time outdoors with her family.
Education
SUNY Fredonia graduate with a double major in economics and political science.
Series 6, 26, 63 and 65 registrations.
Life, Accident & Health Insurance license.