Predictable, Sustainable Retirement Income

Bucket 1, Your Retirement Paycheck. Focuses on income stability in those first critical 7 years. Bucket 1 is a mix of conservative fixed-income investments that sustain your living expenses and expenses in the first ~7 years of retirement. This means you don't rely on selling growth assets during a downturn. This approach ensures that Buckets 2 and 3 are untouched, so that they can build medium and long term portfolio growth.

Bucket 2, Medium Term Growth to Refill Bucket 1. Bucket 2 is a mix of moderate-risk investments designed to replenish Bucket 1 over time and smooth out intermediate needs.

Bucket 3, Long Term Wealth Preservation. Bucket 3 is a mix of equities and growth-oriented assets that ride out market cycles and build real growth over decades - the growth needed to to refill Bucket 2, and outpace projected inflation.

We Understand your life. We start with your goals, concerns, family, and what you want retirement to look like - before any recommendations.

We Build a written plan with several options for retirement dates, social security, healthcare and withdrawals. A clear strategy connecting income, taxes, Social Security, withdrawals, healthcare, and long-term security into one picture.

We battle test that plan to ensure it holds up in all market conditions during each phase of your retirement.

We put your plan in motion, carefully. We review before we change anything, so moves are made with planning, not panic.

Then we keep it current with Regular check-ins and updates as your life, the markets, and the rules change.