Build a Retirement Plan Your Clients Can Live With

One of the greatest strengths of bucketing is that it lets retirees distinguish between essential and discretionary spending.

Instead of protecting every future expense, a retiree might choose to bucket only essential expenses while leaving discretionary spending invested for long-term growth. Others may prefer to bucket only the first few years of discretionary expenses, or perhaps just 50% of them.

This flexibility allows retirees to tailor the level of safety to their own comfort, providing peace of mind without placing unnecessary constraints on the portfolio's long-term growth potential.

With CherishBuckets, you can easily model these different approaches and see how each affects your retirement plan. Experiment with different levels of protection to find the balance that helps you feel confident about retirement—without losing sleep over your portfolio.