fbpx
Skip to main content
Created: January 23, 2022
Modified: November 16, 2022

4 Buckets of Retirement Planning

On this episode of Better Money Atlanta, Joel Johnson, CFP® discusses the Bucket Strategy of retirement planning.

Think of your money as different buckets – they are taxed different and hold different things. Learn more about each of the 4 buckets below:

Taxable Assets

The Taxable Assets bucket is home to CDs, Nonqualified Mutual Funds, Real Estate, and other financial assets. These are subject to taxation by the government.

Tax-Deferred Assets

In the Tax-Deferred Assets bucket, you can find 401(k) and 403(b) Plans, and other retirement accounts like IRAs and deferred annuities. These plans are not taxed until money is taken out.

Income Tax Free / Estate Taxable Assets

This bucket includes Roth IRAs and Municipal Bonds. With these, you do not pay income tax when you are spending retirement. If you are early enough in your retirement planning, have some assets positioned in this bucket.

Income Tax Free / Estate Tax Free Assets

Life Insurance Trusts, Charitable Trusts, and Irrevocable Trusts are in this bucket. If you have more than enough money to retire, get some money out of your estate and into some of these trusts.

Information presented in our podcasts is considered current as of the created date. Over time, some information presented may become stale. We recommend you consult with your Financial Professional before making any changes based on information contained here.

Johnson Brunetti is a marketing name for the businesses of JB Capital and JN Financial.

Investment Advisory Services offered through JB Capital, LLC. Insurance Products offered through JN Financial, LLC.

Resources by Type
Resources by Topic
Share
Related Resources
Our Locations
Johnson Brunetti
Welcome to Our New Website!
Everything was designed with you in mind, making our retirement planning resources more easily accessible to you.
Check out your new resource center, where everything can be organized by article type or topic
View Resources
Are you ready to speak with a financial advisor?
Free 15 Minute Call
Skip to content