Podcasts about bucket strategy

If you're like many retirees we meet with, you may struggle to spend confidently in retirement, even when you've saved enough. Here, we explore a potential strategy: an alternative to the annuity-based "License to Spend" model.     In this episode, we discuss:  The dynamics of underspending in retirement How to apply the “Funded Status Metric” and “Surplus Bucket” to your income plan Pros and cons of leveraging this strategy A refresher of the “Funded Ratio” How to find an income strategy that aligns with your values Today's article is from Advisor Perspectives titled, Use the Funded Status Metric & A ‘Surplus Bucket' to Increase Spending in Retirement. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/506

In this second part of our two-part show, Jeremiah Bates takes the mic to share his perspective on one of our most powerful retirement planning tools: the bucket strategy. Building on Brian's introduction in Hour 1, Jeremiah breaks down the logic, math, and mindset behind organizing your assets into three core buckets—short-term liquidity, income, and long-term growth. Using real client examples, including one who retired just before the COVID crash, Jeremiah explains how the bucket plan can protect your retirement income, reduce emotional investing mistakes, and help you weather market downturns with confidence. He outlines how each bucket functions, what types of investments belong in them, and why timeline-driven planning is essential for lasting financial peace of mind.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Jeremiah Bates ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Brian Wiley dives deep into one of the most effective investment strategies for retirement: bucket-based investing. Using a fictional scenario, Brian explains how blending goal-based and cash-flow planning can help retirees organize their assets into three key buckets—stable, income, and growth. He walks through their $1.3M portfolio, their $6,000/month retirement income needs, and how to align investments with real-life goals like buying an RV or planning for early retirement. Brian shows how this simple system empowers investors to manage market volatility, reduce emotional decisions, and retire with clarity. Look for our next episode where Jeremiah Bates give his point of view of The Bucket Strategy!   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

In this video, Ryan and Tyler define what the bucket strategy is and how it can help protect and grow your investments. Furstenau Financial has been using this investment strategy for the last 22 years and it has been a key part of the process of helping clients optimize their investments while also planning for income needs. Questions? Contact Us at 402-887-4302 or furstenaufinancial@lpl.com

The Bucket Strategy® is both simple and complex: while the structure on the outside is easy, the inner workings can vary wildly from person to person, depending on several factors.  No wonder, then, that many people (journalists included) have some incorrect ideas about what the strategy is. A few assumptions are that it's only about cash and stocks, it's static, and it only provides a steady income. But if you have a properly designed strategy, you'll find that these ideas are completely wrong. In this week's episode of Managing Your Financial Future, podcast host Johnny Dean and Rick "The Professor" Plum, CFP® talk about what people get wrong about the Bucket Strategy® and why it's so important to know not just how it works, but why it's set up the way it is. 

It's true that in general, the basic Bucket Strategy® consists of a 3-, 4-, or 5-Bucket plan, with each bucket separated into short-term, mid-term, and long-term assets.  But did you know that a good Bucket Strategy will often “blend” buckets to potentially give a retiree a much better overall outcome?"Blending" the buckets means to combine the cash flow to try to get a desired outcome.  But where do you take that cash flow from? Your IRA? Your 401k? Your personal money? Roths? This is where blending buckets can potentially be very helpful.Learn more about why this strategy may yield better results for you as podcast host Johnny Dean and Rick “The Professor” Plum, CFP® give you the inside scoop on today's episode of Managing Your Financial Future!

In our previous episode, we answered 5 of your most common questions about The Bucket Strategy®. Those covered some of the more "basic" elements of the strategy, but they're important to know in order to understand the deeper meaning of Buckets.This week we're answering a few more, but these questions are what we might call the "next level up" from basic, including: what's a good time horizon for each bucket? When should you refill the buckets? And are there any potential risks that could jeopardize the strategy?Great questions, and we answer them all with podcast host Johnny Dean and "Professor" Rick Plum, CFP® on this week's episode of Managing Your Financial Future!  

With uncertainty in the market and the future of Social Security, Jim Fox tells us that it comes down to something more simple than all of that... planning. Specifically, what buckets you have your money in. Let Jim help you get your money and buckets sorted on this week's episode of Financial Straight Talk! Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

We've been talking about The Bucket Strategy® for decades, and over that period of time, we've received thousands of questions about how the strategy works: what it does, when the buckets should be refilled, and how it works when interest rates rise or fall, among others.People's questions about The Bucket Strategy® generally range from the very basic to the extremely sophisticated, but most fall somewhere in the middle.  Today, we decided to take 5 of the more basic questions we've gotten and answer them.Find out what others are asking us about the strategy with podcast host Johnny Dean and Rick "The Professor" Plum, CFP® on today's episode of Managing Your Financial Future! 

Scott was joined by Walter Young in the virtual studio for a discussion on retirement income strategies, focusing on Young's book "The Fifth Option," which explores innovative approaches to retirement planning that go beyond traditional methods, such as utilizing actuarial science and investments to create a predictable and efficient income stream.Walter C. Young ,MBA, RICP, is a dynamic financial expert, national speaker, Industry panelist and Amazon best-selling author of The 5Th Option.  Walter helps his audiences learn about the challenges retirees face in a modern economic environment and post pension society. His blend of stories, humor and financial planning theory keeps audiences entertained while learning the very latest academic research in retirement income planning. He earns rave reviews and guests often stay long after his presentation has ended to continue conversations.With over 20 years of experience in the financial services industry, Walter has become a thought leader in economic-based financial planning theory, helping clients develop strategies to achieve their retirement goals.Walter holds the prestigious Retirement Income Certified Professional (RICP) designation from the American College of Financial Services and a Master's in Business from Seattle University and is a member of the exclusive Forum 400.In this episode you will learn the following: The "Fifth Option" in retirement planning, which challenges traditional financial planning strategies by integrating actuarial science and investments to recreate the stability once provided by pensions and Social Security.The shortcomings of the traditional three-legged stool of retirement (pension, Social Security, and personal savings) and emphasizes the importance of creating a sustainable cash flow strategy, especially in the absence of pensions.The "Beat the Bear" strategy, which involves using non-correlated assets like cash value life insurance to protect against market downturns, and the "Bucket Strategy," which segments assets into now, soon, and later buckets to manage risk and income flow over time.The need for individuals to rethink retirement planning by focusing on creating predictable, risk-managed income streams using innovative financial products and strategies, aiming for a more efficient and confident retirement experience.Connect with Scott on LinkedInConnect with Walter on LinkedInFor more on The Optimized Advisor Podcast click here  For more on The 5th Option and to purchase the book click hereFollow us on LinkedIn  **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

In this episode, financial advisors and retirement planners Jim Martin and Casey Bibb of Martin Wealth Solutions discuss market volatility and its impact on investors. They introduce the bucket strategy—a method of segmenting investments into short-term, medium-term, and long-term buckets to protect assets and ensure financial stability in retirement. The hosts break down how to allocate funds within each bucket to reduce risk and boost confidence among retirees. Additionally, the episode covers tips for saving money on summer travel, encouraging proactive planning and flexibility for a stress-free journey. Tune in to learn strategies that can help you achieve a secure and joyful retirement. http://retirewithmartin.com/

This week on The Art of Money, Christian McPherson discusses the importance of retirement planning through the lens of Tony Robbins' financial strategies. He breaks down the concept of allocating retirement funds into three main buckets: the security bucket, which focuses on low-risk assets for stability; the risk and growth bucket, aimed at long-term wealth building; and the dream bucket, which allows for enjoyment and fulfillment in retirement. The conversation emphasizes the need for personalized financial strategies, proactive planning, and the significance of legacy planning to ensure that clients' wealth is passed on efficiently to their loved ones. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

This week, JoePat Roop discusses the importance of a structured approach to retirement planning, emphasizing the bucket strategy for managing savings. He highlights the significance of creating different buckets for security, risk, growth, and memories, while also addressing common obstacles retirees face, such as market volatility and healthcare costs. JoePat advocates for a comprehensive retirement income plan that prepares individuals for longevity and ensures financial peace through consistent income sources. For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this episode, Dr. Willie Jolley interviews J.R. Fenwick, the founder and CEO of the popular stock education company, Flip That Stock. He experienced a house fire that destroyed his dream home. Yet, he was able to turn that setback into a tremendous comeback. J.R. shares what he did, and how you too can position yourself for a greater outcome if you were to ever experience a natural disaster in your home. Learn more about your ad choices. Visit megaphone.fm/adchoices

"Can you talk about what the 3 bucket strategy is and when we should start considering diversifying our retirement account to more than just target date funds?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

At Adams Wealth Partners, we use the 3 Buckets strategy to help you organize and allocate your funds effectively. In this week's Retire While You Work podcast, Carson, Myles, and Jeri Anne break down each bucket's role in your financial plan and share real-life examples of how to put them to work for you.

Regular listeners to this podcast know that we talk a lot about a Bucket Strategy, and why we so firmly believe in it.  But it's important to note that we're not just referring to any bucket strategy - rather we like to refer to it as THE Bucket Strategy®.To us, it's not as simple as dividing up assets into three segments and then calling it a day.  There are individual circumstances that make each one unique.  But what is the process that we use?  Have you ever wondered what an actual Bucket Strategy may look like?Wonder no more!  Tune in to today's episode with host Johnny Dean and his guest, "Professor" Rick Plum, CFP® as they go through the details of putting together a hypothetical strategy right here on the program!

Joe and Lindsay conclude their RISA framework series with a look at the final quadrant: time segmentation. It is also known as the "bucket strategy" in retirement planning. Joe explains how this approach divides retirement assets into short-term, mid-term, and long-term buckets, allowing for a balanced retirement income strategy. Retirees can reduce anxiety from market fluctuations by segmenting assets while still achieving growth over time. Joe and Lindsay also discuss the pros and cons of the bucket strategy compared to the total return approach and suggest listeners take the RISA assessment to determine their best retirement income style.  Read the full show notes and find more information here: EP 114 Show Notes

Here's a look at three common retirement income strategies—Systematic Withdrawals (Total Return with Rebalancing), the Bucket Strategy, and the Guardrails approach. Each one has its own strengths and challenges, depending on your goals, risk tolerance, and personal style.

A recent survey by AARP found that many Americans over 50 don't feel confident about their finances. However, if you follow these 3 specific strategies, as explained by Peter with Richon Planning to Erin Kennedy, you will certainly feel more in control, and you'll be setting yourself up for a financially happy retirement. Here's a look at those three strategies: Utilize the Bucket Strategy: segment your money based on time horizon which will allow you to grow your savings while still paying the bills Consider Semi-Retirement: According to data from the Bureau of Labor Statistics, the number of people 75 and older who are still working is expected to grow by 96% by 2030 Have a Plan (crunch the numbers): only 42 % of people have ever calculated what they'll need to live on in retirement. First step, make a budget. Then, create a plan that allows you fund your ideal retirement If you have any questions about how to finance your retirement to make sure you don't outlive your money, please give Peter a call at (919) 300-5886 or visit www.RichonPlanning.com

The Bucket Strategy® is both simple and complex.  It's simple in the sense that there's a short-term, midterm, and long-term bucket, and maybe a couple of others, depending on your needs.  The complexity begins when you need to determine which assets should go into which buckets.There are many things to consider: time frame, taxability, income needs, and available assets, to name a few. How do you determine what to put into each bucket?We'll tackle that question today. Tune in to podcast host Johnny Dean and Rick “The Professor” Plum, CFP® as they answer this all-important question on Managing Your Financial Future!

Imagine going to the beach in winter to sunbathe. Technically, you can, but in most countries, many would say it's not the ideal season for that. It will be cold, windy, and likely rainy. We often don't think of life this way, but in many ways, life has seasons—different phases where certain activities or choices make more sense or are more feasible than in other seasons. Seeing life through this lens allows you to get the most out of it by being smart and deliberate, recognizing that there are stages—seasons—that come and go, each with a more optimal time and opportunity for certain activities. _____ Resources Mentioned: – Die With Zero (In Die With Zero Perkins presents a framework that encourages living a life rich in experiences, using money as a tool to create memories and joy rather than a goal in itself. The core takeaway is that life is finite, and you should intentionally spend your time and money in ways that maximize happiness, fulfillment, and the ability to die with no regrets—and ideally with zero money left unused.) _____

A viewer named Bill emailed me today about the bucket strategy. He has watched my videos on the bucket strategy and understands why I don't recommend it. He wants to know if the traditional approach of a total return portfolio with annual rebalancing negates the sequence of returns risk. It's a great question, and I share my perspective in today's video.Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this episode of the Boldin (formerly NewRetirement) podcast, Steve Chen interviews Fritz Gilbert, a former corporate executive and author of Keys to a Successful Retirement, who has been retired for six years. Fritz discusses his journey to retirement, emphasizing the importance of physical fitness, financial planning, and finding purpose post-retirement. He shares insights on maintaining a healthy lifestyle through activities like trail running and strength training, while managing finances with strategies like the bucket approach and delaying Social Security. Fritz highlights how the transition to retirement requires more than just financial preparation—it also demands planning for purpose and fulfillment. He encourages retirees to focus on what brings them joy, embrace curiosity, and live intentionally, fostering both personal and community connections for a rewarding retirement experience.

Today, Paul walks through a very popular strategy for investing and taking an income in retirement: the bucket strategy. While having a plan for short-term, medium-term, and long-term expenses sounds like a good idea for investors, the bucket strategy uses ideas as an excuse to own assets that do not offer good returns for their risk. Listen along as Paul explains to investors why you can have a different strategy for retirement and still be able to afford purchases with different time horizons.   For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Should You Invest 100% in Equities? Exploring the Risks and Benefits. In this episode, financial advisor Jim Martin from Martin Wealth Solutions delves into the debate of investing 100% in equities. He addresses common misconceptions, explains why this strategy may not be suitable for retirees, and discusses the importance of a diversified investment strategy. Jim highlights the risks associated with relying solely on the stock market for returns, especially during market downturns, and provides insights into creating a balanced portfolio tailored to individual risk tolerance and time horizons. The episode emphasizes the need for emergency funds and a thoughtful approach to retirement planning. 00:00 Introduction to Market Investment Strategy 00:56 Common Misconceptions About 100% Equities 02:03 Analyzing the Pros and Cons of Full Market Investment 03:02 Understanding Market Returns and Risks 03:45 Impact of Market Fluctuations on Withdrawals 05:34 Age-Based Investment Strategies 06:44 The Role of Bonds in Your Portfolio 08:17 Emergency Funds and Liquidity Needs 13:20 The Bucket Strategy for Retirement Planning 15:43 Final Thoughts and Recommendations 19:16 Conclusion and Disclaimers   http://retiresmartscore.com 

Send us a Text Message.In this episode of the Retire Early Retire Now podcast, host Hunter Kelly from Palm Valley Wealth Management discusses retirement strategies tailored for high-income earners. The discussion focuses on the 'three buckets' strategy, which involves utilizing taxable, Roth, and pre-tax accounts to effectively manage taxes and savings. Key points include understanding the challenges unique to high-income earners, benchmarks for savings, the importance of diversifying investments, and various tax-advantaged accounts such as HSAs and non-qualified deferred compensation plans. The episode also highlights common pitfalls to avoid, the importance of regular plan reviews, and ends with advice on charitable giving strategies. Listeners are encouraged to seek professional help if needed and to stay educated on best practices for financial planning.Check out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

Send us a Text Message.In the 39th episode of 'Retire Early, Retire Now,' host Hunter Kelly from Palm Valley Wealth Management discusses the 'Three Buckets Strategy' to help attorneys and physicians achieve career longevity and flexibility. Hunter addresses how to build financial resilience through three key financial buckets: emergency savings, long-term retirement accounts, and a flexible brokerage account for large purchases or time off. He emphasizes the importance of taking periodic breaks to prevent burnout and offers practical advice on managing finances for a better work-life balance. The episode is designed to guide professionals in making informed financial decisions to improve their quality of life and career satisfaction.Check out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

In this episode of Financial Straight Talk, Jim Fox discusses the importance of focusing on long-term financial planning rather than getting caught up in short-term noise and market fluctuations. He emphasizes the need for a non-emotional, methodical, and mathematical approach to retirement planning. Jim introduces the concept of Market Guard, a system that helps eliminate emotional decision-making and ensures a balanced portfolio. He also highlights the significance of having a solid income strategy in retirement and explains the bucket strategy for generating income.  Ready to connect with Jim today?  Get some Financial Straight Talk!See omnystudio.com/listener for privacy information.

In this episode of Financial Straight Talk, Jim Fox discusses the importance of focusing on long-term financial planning rather than getting caught up in short-term noise and market fluctuations. He emphasizes the need for a non-emotional, methodical, and mathematical approach to retirement planning. Jim introduces the concept of Market Guard, a system that helps eliminate emotional decision-making and ensures a balanced portfolio. He also highlights the significance of having a solid income strategy in retirement and explains the bucket strategy for generating income.  Ready to connect with Jim today?  Get some Financial Straight Talk!See omnystudio.com/listener for privacy information.

It's possible to achieve sustainable income in retirement by utilizing the "Retirement Bucket Strategy." This strategy involves dividing your retirement savings into different "buckets" based on your time horizon and risk tolerance. In this video, Peter with Richon Planning and Erin Kennedy explain each bucket: -Short term Bucket -Intermediate Bucket  -Long-term Bucket These buckets represent different asset classes or investment strategies tailored to meet your income needs at various stages of retirement. The strategy aims to provide a reliable income stream while managing investment risk and ensuring your financial security throughout your retirement years. If you'd like to find out whether your retirement savings are properly segmented, please reach out to Peter by calling (919) 300-5886 or visit www.RichonPlanning.com #Retirement #WealthManagement #Taxes #Investing

About the Guest(s):Kerrie Beene is a certified financial planner and the chief investment officer at Rooted Planning Group. With years of experience in the financial planning industry, Kerrie is well-versed in helping clients navigate the complexities of taxes, investments, and retirement planning. She is dedicated to educating individuals on the tax bucket strategy and providing them with the tools and knowledge to make informed financial decisions.Episode Summary:In this episode, Kerrie Beene discusses the tax bucket strategy and its importance in retirement planning. She explains the concept of dividing money into three different tax buckets: tax deferred, tax free, and after tax. The tax deferred bucket includes accounts like 401(k)s and traditional IRAs, where contributions are made with pre-tax money and taxes are paid upon withdrawal. The tax free bucket includes Roth accounts and health savings accounts, where contributions are made with after-tax money and withdrawals are tax-free. The after tax bucket includes checking, savings, and investment accounts that are funded with after-tax money and may be subject to capital gains tax. Kerrie emphasizes the need for flexibility in retirement planning due to the uncertainty of future tax laws. By understanding and utilizing the tax bucket strategy, individuals can have more control over their tax situation in retirement.Key Takeaways:The tax bucket strategy involves dividing money into three different tax buckets: tax deferred, tax free, and after tax.Tax deferred accounts, such as 401(k)s and traditional IRAs, allow contributions to be made with pre-tax money and taxes to be paid upon withdrawal.Tax free accounts, like Roth accounts and health savings accounts, require contributions to be made with after-tax money, but withdrawals are tax-free.After tax accounts include checking, savings, and investment accounts that are funded with after-tax money and may be subject to capital gains tax.Planning for retirement should involve a combination of these tax buckets to provide flexibility and control over future tax situations.Notable Quotes:"The goal is to have some control over your tax situation in retirement.""While it could be better, it could also be worse. So we can plan for the unknown by thinking about different buckets of money that'll provide you with a little bit more flexibility.""The tax deferred bucket or the tax me later bucket... has your 401(k), your traditional IRA, 403(b)s.""The tax free bucket or the tax me never bucket... includes things such as Roth accounts and health savings accounts.""The taxable bucket or the tax me now bucket... includes things such as checking, savings, and investment accounts."Resources:Rooted Planning Group: WebsiteTo learn more about the tax bucket strategy and how it can impact your retirement planning, listen to the full episode. Stay tuned for more insightful discussions on taxes, investments, and financial planning from Rooted Planning Group.

Grab Our Free Savings Buckets Planner Here Welcome to a sparkling new episode where we dive into the glitzy world of beauty and personal care without breaking the bank. Ever wondered how you can keep looking fabulous while sticking to your budget? We've got the secret sauce for you: creating a Glam Up Fund! This episode is all about being bougie on a budget, and we're here to show you exactly how to make it work. Highlights: Being Bougie on a Budget: Discover the art of looking fabulous without sacrificing your financial goals. We introduce the concept of a Glam Up Fund—a budget-friendly way to manage expenses related to your beauty and personal care. Creating Your Glam Up Fund: Learn the step-by-step process of setting up a budget for all things beauty. From hair and nails to facials and massages, we cover how to calculate your yearly expenses and break them down into manageable monthly savings. Practical Tips and Tricks: Get practical advice on how to track and manage your Glam Up Fund, including rounding up expenses for simplicity and considering cash payments to support small business owners. Freedom to Spend: Embrace the freedom that comes with having a dedicated budget for personal care. No more guilt trips over getting your nails done or indulging in a spa day—it's all part of the plan. Resources and Tools: Check out the savings bucket template linked in the show notes to get started on organizing your Glam Up Fund today. Why You'll Love This Episode: This episode is perfect for anyone looking to balance their love for beauty and personal care with their financial objectives. You don't have to give up on feeling good about yourself to save money. With our guide to creating a Glam Up Fund, you can plan, save, and enjoy your beauty routines guilt-free. Key Takeaway: Being bougie on a budget isn't just a catchy phrase—it's a lifestyle. By strategically planning and saving for your beauty expenses, you can enjoy the best of both worlds: looking and feeling great while keeping your finances in check Snag Our Signature Budget Template! 4 Ways To Connect With Us: 1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.myidealbalance.com/freecall  2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook  3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget  4️⃣ COACHING: Ready to dive deep into your finances? Sign up for our 1-on-1 Financial Coaching. It's the accountability and guidance you need to make real progress ➡︎ https://myidealbalance.com/coaching  "I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don't forget to follow the show so you don't miss any episodes! And, if you're feeling really generous, we'd be SO honored if you would share this podcast with someone.  Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!   --- Send in a voice message: https://podcasters.spotify.com/pod/show/idealbalance/message

The episode discusses the three-bucket strategy as a tool for achieving financial freedom and early retirement. It explains the concept of short-term, mid-term, and long-term buckets, offering advice on emergency funds, investment options, and retirement planning. The host emphasizes the importance of individualized planning and advises seeking professional guidance for financial decisions.Check out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

We believe there are three distinct taxable buckets you have the option of investing in for retirement. We'll talk about how to balance those buckets by age and show a case study by age that shows what your buckets may look like! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

The "Three Bucket Strategy" is a popular retirement income planning method. The first bucket covers immediate expenses in retirement. Listeners John and Donna are seeking advice on constructing their first bucket. With $1.6 million in assets and pension incomes, they aim to retire in 2026. James analyzes their needs, income sources, and portfolio and lays a foundation for their Bucket #1. It's crucial to bridge the gap between expenses and income, considering risk capacity and tolerance. Questions Answered: How do you divide assets into the three buckets, and what is the purpose of each?What role do risk capacity and risk tolerance play in determining portfolio allocation?Timestamps:0:00 - John and Donna3:36 - The bucket approach5:50 - Start with expenses8:53 - Non-portfolio income sources11:23 - Identify and bridge the gap13:06 - Assessing their portfolio14:53 - Portfolio dividend yield16:49 - Do you need Bucket 1?19:16 - What is the specific need?21:07 - Risk capacity23:22 - Test contingenciesCreate Your Custom Strategy ⬇️ Get Started Here.

In retirement planning, the bucket strategy separates your sources of retirement income into 3 “buckets”: Your dependable income such as Social Security and defined benefit payments, your pretax retirement assets, and your taxable accounts, allowing you to draw from your assets in the most efficient manner possible. Donna and Nathan discuss the considerations involved when drawing income from each of your retirement savings buckets.Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 1/16/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!See omnystudio.com/listener for privacy information.

Passive Investor Tips is a weekly series hosted by full-time passive investor and Best Ever Show host, Travis Watts. In each bite-sized episode, Travis breaks down passive investor topics, simplifying the philosophy and mindset while providing tactical, valuable information on how to be a passive investor. In this episode, Travis shares the story of one investor who is sharing his wisdom about passive investing with his friends and family by teaching them the milk bucket strategy - a reliable and approachable way to learn about and automate passive investing to create financial freedom.   Sponsors BV Captial BAM Capital

Laura Stover, RFC®, takes on the topic of interest rates today, and how they relate to your financial future. It is important to consider the historical context of interest rates. Over the past few decades, interest rates have been kept artificially low by central banks around the world. This was done in an effort to stimulate economic growth and prevent deflation. However, it was only a matter of time before rates began to rise. ​ If we look back to the 1970s, interest rates were much higher than they are today, even 19% at one point. This was a period of high inflation and economic instability, and the Fed's actions were aimed at cooling down the economy and reducing inflationary pressure. ​ In comparison, the current interest rates are still relatively low. While they may feel high for those who have only experienced the last 20 years of low rates, they are nowhere near the levels seen in the past.  ​ When the Federal Reserve raises interest rates, it aims to increase the cost of credit throughout the economy. This makes loans more expensive for businesses and consumers, leading to a reduction in borrowing and spending. The Fed funds rate, which is the rate at which commercial banks charge each other for short-term loans, has a direct impact on the cost of borrowing for individuals and businesses. ​ Higher interest rates can have a negative impact on the stock market, as businesses may amend or pause plans for growth due to the increased cost of borrowing. However, it is important to note that the relationship between interest rates and the stock market is not always straightforward. In some cases, rising rates can actually be a sign of a strong economy, which can be positive for stocks. ​​In light of the current interest rate environment, it is crucial to have a well-diversified portfolio that can weather different market conditions. This means having a mix of assets that can provide both growth and stability. One approach to achieving this is through the use of a bucket strategy. ​The bucket strategy involves dividing your savings into different buckets, each with a specific purpose and time horizon. The first bucket is for immediate cash needs and should be held in liquid accounts such as high-yield savings or money market accounts. The second bucket is for intermediate-term expenses and can be invested in low-risk assets such as bonds or CDs. The third bucket is for long-term growth and can be invested more aggressively in stocks or other higher-yield investments. ​By diversifying your portfolio in this way, you can take advantage of higher fixed rates for your liquid bucket while still having the potential for growth in your long-term bucket. This approach allows you to balance risk and reward and ensure that you have access to funds when you need them while also allowing your savings to grow over time. ​​In a rising interest rate environment, we also discuss alternatives to traditional bank products. One option is a Treasury Floating Rate Fund (T-Flo), which is a low-cost, fully liquid investment linked to U.S. government debt. These funds can provide a higher yield than traditional bank accounts while still offering the safety and security of U.S. Treasury bonds. ​Another option to consider is a Multi-Year Guaranteed Annuity (MYGA), which is a type of fixed annuity that offers a guaranteed interest rate for a set period of time. MYGAs can provide a stable source of retirement income and can be a good option for those looking for a higher interest rate than what is currently available in bank CDs. ​Structured notes are also worth exploring as a fixed alternative. These notes are linked to the performance of an underlying asset, such as a stock or index, and can provide a higher yield than traditional fixed-income investments.​ While it is impossible to predict the future direction of interest rates with certainty, there are a few key factors to consider. The Federal Reserve has indicated that it plans to continue raising rates in the coming months, although the pace of rate hikes may slow down. Additionally, inflation is currently at historically high levels but is expected to decline in the months ahead. ​It is important to stay informed and regularly review your portfolio allocation to ensure that it is aligned with your risk profile and financial goals. Working with a qualified financial advisor can help you navigate the changing interest rate environment and make informed decisions about your retirement savings. Rate, Review and Subscribe to the Podcast: https://podcasts.apple.com/us/podcast/retirement-talk-podcast-with-laura-stover/id571347188 How to Connect: redefiningwealth.info lswealthmanagement.com Schedule a Review: https://redefiningwealth.info/schedule/ Redefining Wealth® Custom Blueprint Income Plan: https://redefiningwealth.info/schedule/

Paul talks to someone who went to a workshop, learned about the bucket strategy for investing, and wants to know if this strategy works for building wealth and taking an income. Listen along as Paul explains what the bucket strategy is, how it can be used as a method of pushing products on investors, and why it undermines some basic investing principles. Later in the episode, Paul explains how high interest rates change how investors feel about fixed income products and bonds, leading them into market timing.   For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

The Social Media Content Buckets Strategy Ahh, the social media content buckets strategy. It's one of the most talked about, but least explained content strategies out there. So we're going to dive into it – what it is, and why I don't think it's a very good strategy. Instead, I highly encourage you to consider […] The post Episode 168: The Social Media Bucket Strategy appeared first on Amanda Warfield.

Building a successful retirement fund doesn't happen without a solid plan to back it up. How else do you compensate for your child's college tuition, an expensive hospital bill, or a random series of expenses you never saw coming? Brian hosts the show solo today to explain the important of a financial plan and a look into the "Bucket Strategy" that he uses for his clients.   Hosts: Brian Wiley, Financial Advisor   The Real Money Pros: https://www.therealmoneypros.com   ————————————————————— SPONSORS:   Academy Mortgage: https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor   Lively (HSAs and FSAs) https://livelyme.com/pro   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/ —————————————————————

Are we headed into a recession? Alan Holman believes so, but does that really mean much to your financial plan? We talk about Money Market accounts, what not to confuse them with, and how they fit into your planning buckets. We dive deeper into our “Bucket Strategy” and discuss whether or not Alternative Investments are worthy of time for the average investor. There are also questions you need to be asking your advisor or anyone selling you any sort of financial product. Treat them like you would a doctor – get a second opinion!   Hosts: Brian Wiley, Financial Advisor Alan Holman, CFP®, Wealth Advisor   The Real Money Pros: https://www.therealmoneypros.com   ————————————————————— SPONSORS:   Academy Mortgage: https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor   Lively (HSAs and FSAs) https://livelyme.com/pro   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/ —————————————————————

Everyone's been talking about the drug semaglutide, used to treat Type 2 diabetes. It's marketed under the brand names Ozempic, Wegovy, and now, Mounjaro. Are any of the drugmakers a buy? Salesforce's Successful QuarterHP is Having ProblemsMacy's Misses the Mark  Diabetes Drugs Take OverBiotech FrontrunnersWhy is Pfizer Underperforming?Semaglutide RisksBiotech Stock PicksWhat Higher Yields Mean for Retired ‘Bucket' Investors Read about topics from this episode.  Salesforce Earnings: Margins Shine As New Signs of Pressure Remove Some LusterHP Earnings: Sales Remain Soft, Although Improvement Is on the Horizon; Shares Fairly ValuedMacy's Earnings: Lowered Outlook on Waning Spending Overshadows Positives; Shares UndervaluedNovo Nordisk and Eli Lilly Lead Potential $60 Billion Obesity Drug Market; Valuations Look RichObesity Drug Stocks: Time to Buy?  What to watch from Morningstar.Double Trouble: How the Dot-Com and Tech Bubbles CompareWhat to Do as Recession Fears Grip InvestorsJust Where's the U.S. Economy Headed?Active ETFs Take Off –– 3 Ideas for Investors  Read what our team is writing:Ruth SaldanhaKaren AndersenSusan DziubinskiChristine Benz  Follow us on social media.Ruth Saldanha on Twitter: @karishmaruthFacebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/  

We believe there are three distinct taxable buckets you have the option of investing in for retirement. We'll talk about how to balance those buckets by age and show a case study by age that shows what your buckets may look like! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

We talk a lot about the idea of asset allocation and the 3-bucket strategy - so what is it, and what's the best way to get started? We'll walk you through that question and more in today's Q&A episode! Watch more exclusive content only on YouTube! Visit our website - Get our FREE financial resources - Sign up for our Financial Order of Operations course - Get easy to understand answers to your financial questions Follow us on social media! -Instagram -Twitter -Facebook -TikTok

Sallie Mae 2.20% No-Penalty CD: https://www.allcards.com/best-savings...Personal Capital Tesla Promotion: https://robberger.com/go/personal-cap...Today we have the pleasure of speaking with Harold Evensky, the father of the Bucket Strategy.Here are some resources from the show:--Mr. Evensky's newsletter: https://evensky.com/resources/--His most recent newsletter: https://files.myprimitive.cloud/uploa...--His book (free on Kindle): https://www.amazon.com/Hello-Harold-V...And some of his published papers:--Modern Fool's Gold: Alpha in Recessions: http://www.empirical.net/wp-content/u...--The Efficacy of Publicly Available Retirement Planning Tools: https://papers.ssrn.com/sol3/papers.c...--The Benefits of a Cash Reserve Strategy in Retirement Distribution Planning:

Have you given thought to how you'd like to structure your retirement plan? How about a strategy that ensures you have both income and growth in retirement? The bucket strategy is a simple strategy that will give you peace of mind through your retirement. The goal for your retirement should be to have access to money, an income stream, and growth on your money. In this episode of the Secure Your Retirement podcast, we talk about the retirement bucket strategy and its peace of mind benefit. Listen in to learn how to separate the cash, income, and growth buckets and remove worries from your retirement plan. In this episode, find out: The 3 buckets that make up our peace of mind first retirement strategy. Having a liquid cash bucket – an existing and protected emergency or feel-good fund. The income bucket – is a paycheck you can rely upon every single month to cover your needs and wants.   The growth bucket – a growing yet risky bucket and likely going to be in the stock market. Why the income bucket should be disconnected from any stock market fluctuations. How the peace of mind first retirement strategy removes any worry of the stock market fluctuations. Tweetable Quotes: “The reason we can have some volatility in the growth bucket is because we know that our income is covered.”- Murs Tariq “When you retire, you want to make sure that you have the income coming in and you don't want to worry about it.”- Radon Stancil  Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit https://pomwealth.net/3-keys-to-secure-your-retirementlp/ (POMWealth.net/podcast.)