How can you structure your investments so your money lasts as long as you do or perhaps even longer? In this episode, Trey and Yelisey outline practical strategies to help you build a retirement plan that withstands market swings, inflation, and longevity risk. They explain why balanced risk, Social Security timing, and the following three “buckets of money” can profoundly change retirement outcomes: * Yellow Bucket: Your protected, no-risk money (cash, savings, Social Security, pensions). * Green Bucket: Your low-risk income money (bonds, money markets, T-bills, annuities). * Red Bucket: Your growth money (stocks, mutual funds, ETFs). What you’ll learn in this episode: (00:49) How to use the three “buckets of money” to balance safety, income, and growth in retirement. (03:39) Why differing risk tolerances within a household can create inefficiencies. (06:04) How past financial trauma can push investors into overly conservative strategies that limit long-term growth. (11:19) Why bond underperformance over the past five years creates challenges for traditional 60/40 portfolios. (14:27) Why consistency and time in the market outperform attempts to time market highs and lows. (15:57) How retiring even one year earlier can reduce the lifespan of retirement savings by multiple years. (22:07) What rising life expectancy means for long-term financial planning. (32:47) How Social Security tax treatment can dramatically increase retirement income. Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more! Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Schedule a meeting with us: Trey C. Peterson: trey@atfwealth.com Yelisey Kuts: yelisey@atfwealth.com Phone: (612) 286-0580 Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/
