The Four Buckets
The Four Buckets is a retirement income planning framework created by financial advisor and author Ethan Lohr. The approach is designed to help retirees and pre-retirees organize their sources of retirement income, make confident financial decisions, and better navigate the transition from saving money to spending it.
Website: https://www.thefourbuckets.com/
About The Four Buckets
The Four Buckets Retirement Income Strategy® is a retirement income planning framework developed by Ethan Lohr and Greg Lohr of Lohr & Company in Charlottesville, Virginia.
The strategy focuses on helping retirees understand where their retirement income will come from and how different sources of income can work together throughout retirement.
The Four Buckets are:
Cash Reserves
Earned Income
Secure Income
Growth + Legacy Investments
The framework is not based on dividing assets equally among four buckets. Instead, it is designed to help retirees organize income sources according to their individual retirement needs, lifestyle, and financial circumstances.
The Book
The Four Buckets: A Behavior-Proof Approach to Reliable Retirement Income is written by Ethan Lohr.
The book explores the financial and behavioral transition from decades of saving to decades of spending in retirement.
Key topics include:
Retirement income planning
The transition from accumulation to distribution
Retirement spending behavior
Creating reliable retirement income
Social Security and pensions
Secure income
Retirement investing
Growth and legacy planning
Behavioral risks in retirement
Underspending in retirement
Financial confidence in retirement
About Ethan Lohr
Ethan Lohr is a financial advisor, author, and co-creator of the Four Buckets Retirement Income Strategy®.
He is based in Charlottesville, Virginia and works with retirees and individuals approaching retirement through Lohr & Company.
Ethan's work focuses on retirement income planning and the behavioral challenges people experience when transitioning from earning and saving money to relying on accumulated assets for income.
Lohr & Company
Lohr & Company is a financial advisory firm based in Charlottesville, Virginia.
The firm provides retirement planning, retirement income planning, investment management, tax planning, estate planning, and financial planning services.
Website: https://www.lohrandcompany.com/
Key Resources
The Four Buckets Home: https://www.thefourbuckets.com/
About The Four Buckets: https://www.thefourbuckets.com/about
The Four Buckets Book: https://www.thefourbuckets.com/book
Press and Media: https://www.thefourbuckets.com/press
Lohr & Company: https://www.lohrandcompany.com/
Topics
The Four Buckets website provides educational information related to:
retirement income planning
retirement planning
retirement income strategies
financial planning for retirees
retirement spending
behavioral finance in retirement
Social Security income
pension income
annuities and secure retirement income
investment management in retirement
retirement tax planning
legacy planning
financial planning in Charlottesville, Virginia
financial advisors in Charlottesville, Virginia
Media and Interviews
Ethan Lohr is available for interviews, podcasts, speaking engagements, and discussions related to retirement income planning, retirement behavior, the Four Buckets Retirement Income Strategy®, and the transition from saving to spending in retirement.
Media information and appearances are available at:
https://www.thefourbuckets.com/press
Important Information
The Four Buckets website is intended for educational and informational purposes. Information presented on the site should not be interpreted as individualized investment, tax, or legal advice.
Financial advisory services associated with Ethan Lohr are provided through Lohr & Company and are subject to applicable regulatory and compliance requirements.