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What Some Critics Get Wrong About Buckets- Episode 148

One of the biggest fears that retirees have is that they’ll run short of money.  A Bucket Strategy® aims to solve that problem by matching assets to liabilities, so that you’re never in a situation where you need to sell a volatile asset in order to meet your spending needs.

The key, though, is that the strategy must be set up properly.  How much safe (non-volatile) money should you have at hand, and how much should be allocated toward growth?  This important aspect is one that too many financial pundits and journalists simply get wrong.

In this week’s episode of Managing Your Financial Future, podcast host Johnny Dean and Rick “The Professor” Plum, CFP® tell you what the basic elements of the strategy should be, and how Buckets compares with the “traditional” methods of portfolio withdrawal.

Important Information:

Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy will be profitable for a client's or prospective client's portfolio, thus, investments may result in a loss of principal. Accordingly, no client or prospective client should assume that the information presented serves as the receipt of, or a substitute for, personalized advice from Lucia Capital Group or from any other investment professional.

You should always seek counsel of the appropriate advisor prior to making any investment decision.

Rick Plum is a registered representative with, and securities and advisory services offered through LPL Financial, a registered investment advisor and member FINRA/SIPC. The investment professionals are affiliated with LPL Financial and are conducting business using the name Lucia Capital Group, a separate entity from LPL Financial.

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