The Retiree “Impact Zone”

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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?

One Person

Two People

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.

Your Age

Your Partner's Age

Are you currently retired?

No

Yes

At what age would you like to retire?

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?

Current Monthly Income

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.

Earned Income (SS, Pension, other lifetime sources)

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.

Liquid Assets

The
4Buckets^SM
Strategy

How it Works

The 4Buckets^SM 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.

4Buckets^SM 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.