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Am I Ready To Re tire?

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The New Retirement Mindset

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How Much Income Can I Take From My Retirement Assets?

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When Can I Take Income From my Retirement Assets?

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Retirement Redesigned: Full-Length Webinar

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How Do I Invest in Retirement?

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4Buckets Explained

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The Truth About Annuities

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The Retiree “Impact Zone”

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A Better Path for Tax-Free Assets in Retirement?

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Copyright © 2024 Lohr & Company

Client Relationship Summary

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The Financial Advisor(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Please check Broker Check for a list of current registrations.

Asset allocation programs do not assure a profit or protect against loss in declining markets. No program can guarantee that any objective or goal will be achieved.

Information presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security.

4 Buckets Retirement, LLC (“4Buckets℠”) is a wholly owned subsidiary of Lohr & Company. 4Buckets content and assets such as videos, educational courses and tools are provided through 4Buckets, in its separate and individual capacity and does not constitute advice. For specific advice and implementation of the 4 Buckets Retirement Income Strategy℠, we invite you to engage with Lohr & Company.

Lohr & Company offers Securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Advisor. Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network.

Household
Age & Retirement
Income
Assets
Step 1/4

Household

First, tell us about your household. How many people are you creating retirement income for? Just for yourself? Or you and another person, such as a spouse or partner?
Start Over
Step 2/4

Age & Retirement

What is your age? What is the age of your spouse or partner, if applicable? Are you currently retired? This will help determine when you will start taking income from Earned Income (Social Security, Pension) and your accumulated savings.
Start Over
Step 3/4

Income

What is your current monthly income from all sources, including withdrawals from savings, if that is used for your ongoing lifestyle?
How much of this monthly income comes from Earned Income, such as Social Security benefits, pension payments and other lifetime sources? If you are not collecting these, how much do you anticipate you will receive from these sources when you do? A best guess is fine.
Start Over
Step 4/4

Assets

What is the current total amount of your liquid assets? Include stocks, bonds, mutual funds, bank accounts, retirement savings accounts – all savings that can easily be converted to cash. Do not include the value of your home(s), car, etc. A best guess is fine.

The
4BucketsSM
Strategy

How it Works

The 4BucketsSM Retirement Income Strategy has a simple goal: to align your retirement assets with lifestyle income that is reliable. Each bucket serves a particular purpose for common goals in retirement: reserves for everyday use, reliable lifetime income, and growth for the future. It's a simple yet sophisticated approach to the retirement journey.

Bucket 1

Cash Reserves

Cash for those periodic needs that require quick access to capital, such as emergencies and enjoyments. We can help establish the right cash accounts to balance your overall retirement strategy.

4BucketsSM Lifestyle Income

Bucket 2

Earned Income

This is the income you earned throughout your working years, like Social Security, pensions, and other lifetime sources. We can help you confidently navigate pension and social security claiming strategies.

Bucket 3

Secure Income

This bucket is designed to enhance your retirement lifestyle by creating consistent, reliable income. We will review a range of retirement income options to find the right ones for you.

Bucket 4

Growth & Legacy

These assets are used to create growth, flexibility, and opportunity. They enable you to confidently invest for the future. We can help you select the portfolio that aligns with your true long-term investment profile.

We can develop a plan to help make your retirement income goal a reality.