Helping Thousands & $200m Navigate Retirement
As of June 1, 2026
What to do when your Spouse Can't Manage the Finances anymore.
Dementia, stroke, serious illness, or cognitive decline will change everything. Your partner is still there, but they can no longer handle the money, make financial decisions, or even explain where everything is. You're taking over finances you may have never managed while also being a caregiver. Here's how to navigate both.
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What is the 3 Bucket System + how it helps avoid the impact of retiring into a down market.
We Created the 3-Bucket System to solve one problem - the danger of being forced to sell your investments at the worst possible time - in a down market - in the early and most fragile retirement years.
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.
What it’s like to work with Nova Wealth, from the First Conversation to 20 Years with us.
Money conversations can feel intimidating - full of jargon - a little embarrassing if you're not sure you've done everything right - and sometimes rushed toward a product you didn't ask about. That's not how this should feel, and it's not how we work.
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.
And we always keep you informed and make sure you are aware of and have input on any major decision.
Do it Together
Join an Open Call To Put Your Retirement #s Together
Join Elizabeth, Jeff, and Brett to run you through our frameworks and your questions for navigating retirement.
1 on 1
Schedule a Retirement Strategy Call
Join our partners Elizabeth and Brett for a private call to discuss your situation and your goals.
Frequently Asked Questions.
Find answers to common questions about retirement planning. From withdrawal strategies and Social Security to investment protection, these FAQs help you navigate your financial future.
Unclear legal authority, unpaid bills starting to slip, care costs rising fast, accounts you can't locate, and no plan to protect the healthy spouse. The key is to escalate the big health or financial road blocks before they create an emergency.
What warning signs do I need to escalate to my attorney or financial advisor?