What's In Your Retirement Plan? The Four Buckets Strategy

We’ve all seen the popular Capital One credit card commercials that always end with the same question: “What’s in your wallet?”  In the same way, I like to ask an equally important question: “What’s in your retirement plan?”

When considering this question, I’m reminded of a conversation I recently had with a couple who came to our office.  They asked if they could simply retain us and pay us by the hour, as opposed to having us manage their investments.  They went on to explain that the reason they didn’t want us to manage their investments was because they wanted to maintain the ability to pull their money out at any given time.