Three Bucket Approach

Once your investment phase has been identified, then we will utilize our proprietary “three bucket approach” to retirement income planning. Our three bucket approach makes the plan simple and easy to understand.

Our retirement income planning strategy uses a proprietary three-bucket approach:


Liquid Bucket

Enough to cover emergency reserves and known purchases/expenses within the first few years of retirement.

Income Bucket

Least amount of assets necessary to produce the guaranteed level of income that you need/want.

Growth Bucket

Remainder of assets invested so that you take the least amount of risk to generate the rate of return goal.

In addition to getting your finances in order, arranging your estate is an important part of the planning process. Wise Wealth is committed to helping you eliminate uncertainties about your estate and ensure that your assets are distributed according to your wishes after you’ve passed.

Wise Wealth financial planning does not end with the plan. We also take the time to inform you about your plan, guide you through the implementation process, and monitor and update the plan. We will help keep you accountable as you work toward your goals.

We Specialize in Retirement Planning

Investment products come and go, but principles are timeless. We focus on principles first and look for the products next.

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