One of the most important services offered by our advisers may be a well-structured and sustainable retirement strategy.
This strategy is designed to match your assets to your monthly budget by organizing your investments into four classes or “Retirement Buckets”:
- Bucket One: Social Security and Pension Benefits – unrisky sources that generate income over the first five years of retirement while the other buckets grow.
- Bucket Two: Income Oriented Investments – designed to replenish Bucket One.
- Bucket Three: Intended to meet your spending needs in years 5-15.
- Bucket Four: Mostly equities and alternative investments – we put time on your side to meet your needs in years 15 and beyond; we do this by investing in equities and having the discipline to not jump in and out of the market.
The design of these buckets must be tailored to your individual needs; they must also be coordinated and complement one with another.
For further information contact Steve Lloyd, Office Manager, at (801) 223-7502. A no-obligation review can be scheduled with a UCCU Financial Adviser.