Lifetime Income Using the "Bucket" Method
Vital Plan, Inc.
Bucket
Method
What is the "bucket" method?

A mathematically calculated plan created with exclusive Tarkenton Financial software to
produce monthly income, while re-creating your principal, safely.

This ensures you that your money will not run out. You can repeat the bucket method for as
long as you live. No more worrying about how much money you can spend. No more...."if I
spend it, I am taking it away from the kids..."

During your free consultation you can receive a mathematically calculated plan designed
just for you for your retirement income using exclusive Tarkenton Financial software!

Example:

By age 67 & 62 John and Sara are ready to retire. They have saved $500,000 for their
retirement. They would really like to leave some to the kids, but they also want to travel and
enjoy their retirement. Do they have to decide, or can they do both? They have 4 main
concerns:
  1. How much money can they spend and not run out?
  2. Will they be able to keep up with inflation?
  3. Will an unexpected illness wipe out their savings?
  4. Will they be able to leave a legacy to their children?

Starting with $500,000.....
A. Lets take $300,000 to produce lifetime income:
  • Years 1-5      Bucket #1 generates income of $400.
  • Years 6-10    Bucket #2 generates income of $650.
  • Years 11-15  Bucket #3 generates income of $1,000.
  • Year 16          Bucket #4 (savings bucket) has a balance of $550,000.  
Start the process again to continue to receive income that has kept up with inflation.

B. Take $100,000 and purchase $50,000 each of long-term care combined with life
insurance. If care is needed, the LTC costs will be covered for $50,000, a fraction of what
care costs. If care is not needed, life insurance of approximately $150,000 will go to heirs.
Life insurance policies are underwritten based on health so benefit amount will vary by
person. See your advisor for a personalized quote.

C. The other $100,000? Keep this liquid, and go out and have fun! Go on that trip, buy a
car, buy a boat?

If you are ready to start spending and stop worrying, contact us today to set up a free
consultation.

Hypothetical example above. Results will vary based on interest rates at the time of
purchase. See your representative for YOUR personal income plan!
The above is not intended as legal or financial advice. Please contact an advisor for guidance for your personal situation.
Contents subject to change. Every attempt has been made for accuracy, however, we are not responsible for errors in text.
Shelly Ballard
Tarkenton Financial Representative
St. Petersburg, FL
Cell: 727-417-6107
shelly@vitalplan.com
Copyright 2008, Vital Plan, Inc. All Rights Reserved
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