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The Bucket Plan Philosophy

What is The Bucket Plan® Philosophy?

A strategic, structured approach to bucketing assets for today's financial dangers and challenges.

The old way of investing for retirement was to keep a little pile of money at the bank and the rest of your money in a bigger pile of money in investments and hope that it would last a lifetime.

However, today market risk, interest rate risk and sequence of returns risk are the three of the biggest dangers facing investors at or near retirement, and a more sophisticated planning philosophy is important to stretch retirement dollars to cover their many needs throughout the duration of retirement. For this purpose, The Bucket Plan® philosophy was developed to segment money into three different buckets based on your investment time horizon, volatility tolerance and income needs.

To learn more download The Bucket Plan Philosophy Guide by Clicking Here

The Money Cycle

The Money Cycle is something that we all go through during our lifetime, and there are three phases: accumulation, preservation, and distribution. Watch this video to learn more.


The Bucket Plan®

The Bucket Plan® philosophy was developed to segment money based on your investment time horizon, volatility tolerance, and income needs. Watch this video to learn more.


To learn more about potentially the three biggest dangers facing investors today and how to overcome them. Visit our Events Page for upcoming webinars

<span id="_mce_caret" data-mce-bogus="1"><sup data-mce-bogus="1"></sup></span>The Bucket Plan<sup>&#174;</sup>, Protecting and Growing Your Assets for a Worry-Free Retirement

The Bucket Plan®, Protecting and Growing Your Assets for a Worry-Free Retirement

We are excited to announce The Bucket Plan has been recognized by U.S. News as a Top 10 Best Retirement Planning Book for 2023!

In fact, The Bucket Plan is the only book in the top 10 that describes a financial planning process.

Written by Jason L Smith, CEP®, BPC and Founder and CEO of JL Smith, Jason is the mastermind behind the bucket plan philosophy and the process utilized by JL Smith Wealth and Tax Planning.

It's a must-read for anyone serious about creating a practical and sensible financial plan for your retirement years. The financial planning process outlined in this book is based on a three-bucket philosophy of strategically positioning assets to plan for and mitigate the risks and dangers that can occur in retirement. This provides an opportunity for both growth and security into the future, allowing you to feel more confident about retirement.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities.  Jason L Smith and/or JL Smith Wealth and Tax Planning did not pay for this recognition or to be a part of the assessment. 

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