The "3-bucket strategy" is one of the most commonly used frameworks in retirement planning. Growth, conservative, and cash buckets may sound simple, but the rules governing how they work change dramatically once you retire.

Most traditional 3-bucket strategies are built around one core assumption: that retirement income will be generated by selling assets. The cash bucket is meant to be spent down, the conservative bucket tapped next, and the growth bucket left untouched until markets recover and refill the others. The problem? Retirement doesn't always give you the luxury of waiting for markets to cooperate. When volatility hits, investors may be forced to sell assets at the worst possible time.

In this episode, we break down why a retirement plan that depends on asset sales requires a very different bucket structure than one designed to generate income.

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Rethinking the 3-Bucket Strategy in Retirement