15 Sep 2025 Financial PlanningInvestment ManagementRadio Show

Radio Show #38: Why Three Buckets Are Better Than One

When it comes to retirement planning, too many people think of their money as one big pile. That mindset creates stress, confusion, and unnecessary risk, especially when market volatility hits. In this week’s show, Chris and Shawn explain why the “three-bucket approach” offers clarity, security, and confidence for retirees and pre-retirees.

They break down the safety bucket (for emergencies and peace of mind), the income bucket (to cover predictable expenses without worrying about the market), and the growth bucket (for long-term wealth and inflation protection). You’ll hear real-world examples of how this approach protects against sequence-of-returns risk, reduces anxiety during market downturns, and even helps with tax-smart strategies like Roth conversions and legacy planning. Instead of reacting emotionally when markets swing, you’ll know your needs are covered and your future is on track.

Here’s some of what we discuss in this episode:

🪣 The three-bucket approach explained

🧠 Psychology matters: clarity reduces fear during volatility

📊 Where Roth conversions & legacy planning fit into the bucket strategy

💵 Ensuring consistent cash flow in retirement

📉 How to handle market downturns

Book a discovery call with the team here or ask questions via email at ask@bulmanwealth.com.

 

Past performance is not indicative of future results. The material above has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed, and Bulman Wealth Group makes no representation or warranty as to the accuracy or completeness of the information, which should not be used as the basis of any investment decision. Information contained on third party websites that Bulman Wealth Group may link to is not reviewed in their entirety for accuracy and Bulman Wealth Group assumes no liability for the information contained on these websites. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of writing and are subject to change without notice. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission from Bulman Wealth Group. For more information about Bulman Wealth Group, including our Form ADV brochures, please visit https://adviserinfo.sec.gov and search our firm name.

Bulman Wealth Group is an investment advisory firm registered with the Securities and Exchange Commission (“SEC”) under the Investment Advisers Act of 1940. Registration does not imply a certain level of skill or training. More information is available at https://adviserinfo.sec.gov by searching our firm name. Insurance products and services are offered through BWG Insurance Agency, CA State Insurance License #0M46922. Bulman Wealth Group and BWG Insurance Agency are not affiliated with or endorsed by the Social Security Administration or any other government agency.

This has been provided for informational purposes only and is not intended as legal, tax, or investment advice, or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results.