Confidently Navigate Retirement with the Four Buckets Strategy™
A proven approach to help retirees manage income, grow assets, and plan their legacy.
What Retirement Means for You
The journey to retirement was marked by years of discipline, hard work, and careful planning. Now, as you approach this major life transition, the opportunities are wide open: use your time as you want, explore your passions, and have impact on the people and communities that matter most to you. Retirement isn’t just the end of a career – it can be the beginning of a season rich with meaning and purpose. It’s proof that the best rewards often follow the hardest work.
Making the Transition
Turning your assets into a roadmap for your lifestyle and financial goals in retirement is not as simple as flipping a switch. It’s about aligning your wealth with your vision for the future, so you can enjoy retirement fully and freely with financial peace of mind.
The Challenges
Failure in retirement isn’t about running out of money or living too long as it’s often described, it’s settling for a retirement that’s less than what it could have been.
Retirement Savings Become the Retirement Emergency Fund
Nearly half of retirees forego a formal withdrawal strategy, opting to take what they need as they go.
Historically High Inflation Eroding Income While Retirees Have No Response
Most retirees either ignore or acknowledge inflation yet neither plan to adjust their retirement withdrawals as a result.
Retirees Set to Transfer Trillions and Many Without a Plan
The majority of retirees across the wealth spectrum have no estate plan, let alone understand the tax impact of their estate.
The Four Buckets Work for You.
The Four Buckets Retirement Income Strategy® can help you organize your wealth into a clear, practical plan, ensuring your income, investments, and taxes work together seamlessly, freeing you up to do what matters most.
Bucket 1: Cash Reserves – Your retirement operations account covering daily needs and near-term expenses.
Bucket 2: Earned Income – Income sources like pensions, Social Security and other inflation-protected, lifetime sources to build your lifestyle.
Bucket 3: Secure Income – Your second income engine to complete your lifestyle often through contractually-sourced, protected income.
Bucket 4: Legacy & Growth – Assets geared for growth and tax optimization for later life expenses and financial legacy.
“…They have been exceptionally caring, and forward thinking in helping us plan and fund our retirement so we won’t have to alter our lifestyle…”
Laurie and Danny C.
“I definitely needed assistance with my financial side of life moving into my retirement years. It was very concerning for me. Lohr & Company put my mind at ease and laid out a Four Buckets income strategy that made sense in keeping me financially straight through my retirement years. It was a pleasure and comforting in having them work with me on the strategies. They stayed with me every step of way, answering all my questions. I am very pleased…”
Arnold S.
“...I was getting ready to retire and wanted to make sure I would be okay financially. Many thanks to Lohr & Company, my husband and I are both retired and doing wonderful…”
Colleen M.
Take the first step toward retirement confidence.
Want to learn more about the Four Buckets Strategy™ and how it can work for your retirement?
We’re here to help.
Call us at (434) 260-6742 or use this form to ask us your questions about The Four Buckets Retirement Income Strategy®.