Retirement Income Planning

Your retirement doesn’t run on account balances — it runs on income.

After years of serving retirees like yourself, we trademarked a unique strategy for retirement income planning designed to provide steadier, monthly income and smarter investment decisions using a simple, visual framework called The Four Buckets Retirement Income Strategy®.

By dividing your assets into four distinct “buckets” based on their specific goal in your retirement income plan, you can have better understanding and confidence about what your money is doing for you.

1. Cash Reserves: Ensures you have cash on hand for current expenses and emergencies.

2. Earned Income: The income sources you earned throughout your career like Social Security, pensions and other lifetime income sources.

3. Secure Income: This bucket helps you reach your ideal retirement lifestyle with consistency and reliability.

4. Growth and Legacy: Investing doesn’t have to be boring in retirement. These assets provide flexibility, opportunity and tax efficiency. This simple yet sophisticated strategy can give retirees and pre-retirees the security and growth they’re looking for in retirement.