In this episode of Wealth Wisdom with Stuart J. Spivak, Stuart breaks down the Three Bucket Approach to retirement planning. Most retirees focus on stocks and bonds, leaving their savings exposed to market volatility. Stuart explains how adding safe money strategies and alternative investments can protect and grow your wealth while providing guaranteed lifetime income.

Main Points Discussed:

• Why most retirees concentrate their savings in one bucket (stocks, bonds, mutual funds) and the risks it poses.
• The Three Bucket Approach:
• Bucket 1: Safe Money with guaranteed protection and lifetime income.
• Bucket 2: Managed accounts like stocks and mutual funds for growth potential.
• Bucket 3: Alternative investments like real estate to provide diversification and income stability.
• The importance of having a written financial plan to eliminate fear and uncertainty about outliving your money.
• Common misconceptions about diversification—why it’s more than just stocks and bonds.
• How asset allocation differs from asset location and why both are critical to your retirement success.

If you’re ready to learn how to secure guaranteed income and build a diversified retirement plan, tune in to this episode now!

👉 Listen on Spotify, Apple Podcasts, or watch it on YouTube.

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