Buckets is an automated investment management service developed by Vickerman & Driscoll Financial Advisors, Inc. We have been building custom investment models for 20 years for our high net worth clients with over $500,000 to invest. We have taken that experience and added technology to be able to offer you "The Personal Online Virtual Advisor". You can open account with as little as $5,000.
How much monthly income can your portfolio provide you in retirement?Adjust the scroll bar to the value of your investment portfolio and watch the MyBucketSystemTM calculate your retirement income.
Projected 2% Return
Projected 5% Return
Projected 6.5% Return
Projected 8.5% Return
Year 16 Balance
In life's unforeseeable storms; stay steady with just a drop in the bucket.
We assess your risk level and match it with a personalized investment model and help you invest in your future.
The markets continual fluctuation leads to an unbalanced portfolio; requiring constant attention and analysis.
Buckets will automatically detect if your portfolio is out of balance. It will then produce the trades necessary to reallocate to your personalized model.
The Buckets program costs .50% per year. Adjust the scroll bar below to see how much it will cost for different sizes of portfolios.
Do you have questions on how the Buckets Program works? Read the Buckets Program Brochure and then click on the "Get Started" button.
Email us your account transfer information or just ask a question. firstname.lastname@example.org
Call us and we can help. (509) 325-7610
Giving Back - As the Buckets program grows with investors, advisors, community banks & credit unions, we plan to “Give Back” by using a portion of our profits to build a program to help educate high school students in the area of budgeting, saving & investing. Our youth's education in the area of money has been lost in the U.S. and has contributed to an increase in debt in our households and in our nation. We want to make an impact on reversing this dangerous trend. Thanks for joining us in this effort to help by being part of “Buckets”. Spread the word!
Important Note: The MyBucketSystem is designed as an aid for helping estimate the retirement income that an investment portfolio may provide.
The following methodology was used to design the returns for MyBucketSystem:
The goal of the MyBucketSystem was to set a target of withdrawing less than 5% from the portfolio on a yearly basis. Certified Financial Planning studies have shown that if a client withdraws less than 5% of the portfolio during retirement they have a high probability of not running out of money. The MyBucketSystem withdrawal rate is 4.8%.
The Buckets are designed to have the following investments:
Bucket 1- Short-Term Bonds and Bills & Cash.
Bucket 2- Mid-Term Bonds.
Bucket 3- Long-Term Bonds & Preferred Stock.
Bucket 4- Stocks & Equities
The rates of returns for each bucket were selected based on the data listed below:
Bucket 1- Over the past 20 years, Short-Term Bonds and Bills have averaged 4.0% or more. We used 2% to be conservative.
Bucket 2- Over the past 20 years, Mid-Term Bonds have averaged 5.0% or more. We used 5%.
Bucket 3- Over the past 20 years, Long-Term Bonds have averaged 5.5% or more, but preferred stocks have averaged 7% or more. Therefore, we took a blended rate to come up with 6.5%.
Bucket 4- Stocks have averaged between 9.5%-10.5% since 1929 depending on the type of stocks(Large, Mid & Small). We wanted to be more conservative, so we used 8.5%. Our 8.5% includes the dividends from the stocks.
We are finalizing the testing of our onboarding system.
To get started today please contact us at email@example.com.