S.M.A.R.T.

The IQ Wealth Smarter Financial Bucketing System™ aims to simplify your plan for building, growing, and protecting your retirement money.

Rather than a haphazard, traditional pie-chart approach, Smarter Bucketing™ brings order, discipline, and control to your plan for retirement. Smarter Bucketing™ separates your savings into clear and distinct buckets. Most important, it establishes a firewall between your income assets and your growth assets, giving every dollar in your portfolio a specific task and time deadline.

We live in a complicated, constantly changing world. The stock market is in uncharted territory. Bonds pay too little to live on. Politics is a mess. And we are learning that Social Security in its current form may not always exist for those with higher “means.”

The IQ Wealth Smarter Bucketing System™ helps you get serious about allocating money for the NEXT twenty years, rather than remaining stuck in your strategy of the PAST twenty years. Plan smarter. Invest smarter. Ensure your outcomes by first insuring your income. Our team will be happy to put you in the driver’s seat to a more worry-free retirement.

The IQ Wealth Smarter Financial Bucketing System™ allocates your retirement money into four main “buckets”: Cash, Fixed Income, Capital Growth (investments), and Insured Outcomes. The right amount of money needs to go into each bucket, which is part of our planning process for you. When investing your money for retirement, you must consider your age, risk tolerance, and time horizon.

Discipline matters. By investing with a specified purpose, and investing with a defined strategy, you may increase your probability of success. Performance relies on proper selection and allocation. By investing in leading companies dominating the most relevant industries driving the economy, our investment team approach works hard and smart.

As a client, you may enjoy access to The IQ Wealth® Blue Diamond Technology Leaders™ and the IQ Wealth® Black Diamond Dividend Growth™ Portfolios, Asset custodian: Fidelity® Investments. These are two exclusive, professionally managed portfolios designed for diversified long term growth.

Without insurance to protect against the worst that can happen, no one’s financial plan is complete. The good news about insurance—whether it is health insurance, car insurance, home insurance, umbrella protection, or income insurance—is that it ultimately REDUCES the cost of living your life.

Insurance is a necessity, not a luxury. It is not a true “investment” because we aren’t really looking for a “return” on fire insurance on our home– or collision insurance on our auto coverage. We want those to be “poor” investments in terms of dollars because we never want to see our house burn down or our car totaled in a crash.

The “return” from insurance is financial peace of mind and knowing you won’t be devastated by an unwanted event. In the IQ Wealth S.M.A.R.T. Bucketing System®, we consider annuity income to be “insurance” on the most important part of your financial plan for retirement: steady, reliable, lifetime income to keep filling your cash bucket.

We help you coordinate your Social Security benefits along with your annuities and other sources of income, to create a clear, written lifetime plan that gives you confidence.

You retire only once, so you’ve got to get it right. Those who retired in 1999 or 2007 without a protected income plan, paid a dear price. At IQ Wealth®, we’re not “general planners.” We don’t take a “one-size-fits-all” approach.

Retirement is what we do. Our only job is helping retirement-minded professionals—like engineers, teachers, medical professionals, and business owners realize the dreams they’ve nurtured for years—with a clear plan. If you’ve worked for several decades to grow your money, you now need a financial plan that is secure and custom tailored exactly to YOU.

Choosing the right skilled advisor—licensed as a fiduciary–can be your most important decision. The right advisor can help you avoid mistakes, avoid unnecessary losses, and help grow your capital reserves with investments that can work. In our view, the only way to retire confidently, is to know that your bills and debts are all paid, your investments are in the right location, and your most important outcomes are insured.

This combination is the S.M.A.R.T. way to retire so you can stop thinking about money every day, and reclaim the time to start enjoying life more with people you care about most.

There are 5 things you can do with money—spend, save, speculate, invest, and/or insure. In retirement, you end up doing all five. How much you emphasize one over the other determines the quality of your life, the QUANTITY of your income, and the level of financial security you enjoy. You—and your money—need to make it through market crashes, personal health events, recessions, and even the possibility of living too long.

Prior to retirement, it’s normal and natural to think TALL with your money. Once you retire, it’s wise to think LONG with your money. Making your money last, and always having a monthly surplus even in rough economic times—THAT’S what makes for a great retirement. The worry can finally go away.

The goal is to have more money in reserve–and more money coming in than going out from now on, no matter what. With the S.M.A.R.T. Retirement Bucketing System™, your income is secure (for life), your investments have a specified purpose, and your important outcomes are backed by insurance.

You might call it “High IQ Retirement Planning.” We call it doing our job.