Created: January 23, 2022
Modified: August 31, 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.

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