Posted on Thursday, March 27, 2025

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by RoseMark Advisors

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Retirement should be about freedom, security, and enjoying the life you worked so hard to build—not stressing over whether your money will last. Yet, too many retirees find themselves constantly worrying about market fluctuations, unexpected expenses, and running out of savings.

One of the most effective ways to ensure long-term financial stability is the Bucket Strategy—a simple, yet powerful method for managing your assets to provide predictable income while protecting against risk.

What Is the Bucket Strategy?

Think of your retirement savings as being divided into three distinct buckets, each serving a different purpose:

1️. Short-Term Bucket: Cash & Liquid Reserves (0-3 years)
2️. Mid-Term Bucket: Income-Producing Investments (3-10 years)
3️. Long-Term Bucket: Growth Investments (10+ years)

By structuring your money this way, you ensure that you always have funds available for immediate needs, income for the next decade, and long-term growth to protect against inflation.

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Bucket #1: Short–Term Cash for Stability (0-3 Years)

This bucket is designed for security and peace of mind. It covers your day-to-day expenses and prevents you from having to sell investments at a loss during market downturns.

What’s in This Bucket?
✔️ Cash reserves
✔️ Short-term fixed-income assets
✔️ Guaranteed income sources

Pain Point: Many retirees keep too little in this bucket and are forced to withdraw from investments when the market is down—locking in losses.

✅ RoseMark Solution: We help clients with Cash Flow Optimization to determine how much should be in this bucket while ensuring they have reliable income streams.

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Bucket #2: Mid-Term Investments for Steady Income (3-10 Years)

This bucket provides income and stability for the medium term. It holds assets that generate reliable returns and help bridge the gap between your short-term needs and long-term growth.

What’s in This Bucket?
✔️ Fixed-income investments
✔️ Dividend-paying assets
✔️ Conservative, income-generating investments

Pain Point: Without this bucket, retirees often rely too heavily on either cash (which loses value to inflation) or high-risk investments (which can be volatile).

✅ RoseMark Solution: We design Wealth and Portfolio Management strategies to ensure your mid-term investments provide consistent income while protecting against market fluctuations.

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Bucket #3: Long-Term Growth to Protect Against Inflation (10+ Years)

The biggest financial risk retirees face is outliving their money—especially as the cost of living rises. The long-term bucket is designed to provide growth and protection against inflation so your purchasing power stays strong.

What’s in This Bucket?
✔️ Growth-focused investments
✔️ Market-based assets
✔️ Long-term legacy planning

Pain Point: Many retirees make the mistake of being too conservative with their investments, leaving them vulnerable to inflation eating away at their savings. Others take too much risk, exposing themselves to market downturns without enough time to recover.

✅ RoseMark Solution: Our Values and Goals-Based Planning helps structure this bucket to align with your long-term vision—whether that’s providing for your spouse, leaving a legacy, or growing wealth for the future.

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How the Bucket Strategy Provides Peace of Mind

When structured correctly, the Bucket Strategy ensures that you always have:

• Cash available for immediate needs (so you’re never forced to sell investments at the wrong time)
• Reliable income for the next 10+ years (protecting you from market swings)
• Long-term growth to outpace inflation (so you never run out of money)

Many retirees don’t have a strategy like this in place—leaving them vulnerable to financial stress, unnecessary taxes, and costly mistakes.

Would you like a complimentary retirement review to ensure your finances are structured for long-term security? A well-structured plan makes all the difference.

Providing you with confidence, security, and peace of mind in retirement. Call 888-407-8193 or click below!