We do not believe in what most investment representatives tell their clients, which is to “ride it out” or “stay the course” when the going gets tough. We prefer to find shelter when there is a storm. When the sun comes out again is when we look for gains. Giving up time on your life calendar to make up large losses is simply not acceptable.

We use a “Three Bucket” approach to investing designed to provide liquidity, allow for retirement income, protect principal and generate long-term wealth. Each bucket has a specific purpose. The amount that goes in each bucket depends on each client’s personal circumstances, goals and desires.

Bucket 1

  • Short-term money for planned expenses and emergencies
  • Six months to two years of fixed living expenses 
  • Held at an FDIC insured financial institution
  • Sometimes will include cash values in life insurance
  • Rare use of annuities in cases where the investor is extremely conservative and would like income for a period of time while other assets (bucket 2 and bucket 3) stay invested for growth

Bucket 2 

  • Long-term growth assets
  • The first money that you will receive income from in retirement
  • The bulk of your retirement savings
    • While working, these assets are often in 401(k), 403(b), TSA or 457 Deferred Comp accounts
    • In retirement, these assets become managed for lower risk and to provide income
  • Generally equity assets, although some use of fixed income and other alternatives

Bucket 3

  • Long-term growth assets
  • Money meant for later in retirement or for potential inheritance
  • Often IRA Rollover assets, non-qualified accounts or trust assets
  • Generally equity assets, although some use of fixed income and other alternatives
  • Essential difference from Bucket 2 assets is a slightly higher risk level

We have several investment strategies designed to fit multiple investors needs. More often than not, we prefer to hold generous amounts in Bucket 1 so that Buckets 2 and 3 can be used to attain higher returns.

Contact us to put together a lifetime investment plan that will provide you with safety, growth, income and freedom.


There can be no assurance that any strategy will be successful in achieving its stated goals. All investments have a potential for loss  of principal. Past performance is no guarantee of future results. 

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Category: Services

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