Retire With $1.2 Million: The Bucket Strategy Explained

What if one simple framework could help protect your income in a downturn, reduce sequence-of-returns risk, and give you the confidence to spend in retirement?

In this video, Andrew Rafal, CEO & Founder of Bayntree Wealth Advisors, walks through the Bucket Strategy: how to structure your savings into short-, medium-, and long-term “buckets” to create steady income and peace of mind in retirement even when markets are volatile.

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What you’ll learn in this video:

✅ What the Bucket Strategy is (in simple terms)

✅ How 3 buckets create predictable income

✅ How to cover an income gap (e.g., $8k/month need with $3.5k Social Security)

✅ Why this approach reduces panic selling and sequence-of-returns risk

✅ How the medium-term bucket replenishes cash while the long-term bucket grows

✅ How to think about allocating your savings across buckets

✅ Why this framework helps retirees spend confidently, not hoard cash