Mastering the 3-Bucket Strategy for a Secure Retirement

Welcome to "Healthy and Wealthy Retirement" with Mark Struthers, your certified retirement counselor, who introduces a holistic approach to navigating the complexities of retirement planning. In this episode, Mark dives into the intricacies of the three-bucket strategy for retirement funding, designed to balance risk and provide comfort for retirees.

The episode sheds light on two main types of bucket strategies: one focused on time horizons and another on types of retirement spending. Discover how each bucket, from low-risk T-bills and money market funds to long-term high-risk investments, serves a purpose in securing income through the varied phases of retirement.

Mark explains the challenges and nuances of effectively implementing the bucket strategy, including maintaining a blend of low-risk and potentially higher-yield investments, the considerations around duration and credit risk, and the dangers of spending down assets too quickly.

Learn why rebalancing the portfolio is crucial, how to manage emotional comfort during market fluctuations, and why aligning the buckets with a total return strategy might be the most efficient route for sustaining wealth. As retirees look for a solid financial plan, Mark's guidance helps blend financial savvy with mental peace, ensuring that your retirement years are prosperous and fulfilling.

 

Curious about working with Mark:

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www.SonaWealthAdvisors.com

 

Disclosure:

 

Investment advisory services are offered through Sona Financial LLC (DBA Sona Wealth Advisors, Sona Wealth, Sona Wealth Management), an investment adviser registered in the state of MN. Sona Financial only offers investment advisory services where it is appropriately registered or exempt from registration and only after clients have entered into an investment advisory agreement confirming the terms of engagement and have been provided a copy of the firm’s ADV Part 2A brochure and document. 

 

This video or article is for educational purposes only and is not exhaustive. Nothing discussed during this show/episode should be viewed as investment advice. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but is intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax, or financial advice. Please consult a legal, tax, or financial professional for information specific to your individual situation.

This content has not been reviewed by FINRA.