IEA Planning

Retirement planning at IEA Wealth Management is as easy as 1 - 2 - 3 ...

Step 1:
We help you determine your income needs and shortages for the first 5 years of retirement. We then set aside
an adequate portion of your capital to meet those needs. We refer to this as "Bucket 1" money. "Bucket 1"
contains guaranteed investments only such as cash, CD's and U.S. Bonds, all of which are not subject to
market risk.

Step 2:
Next, we determine your income needs and shortages for the second 5 years of your retirement (years 6
through 10). We then set aside an adequate portion of your capital to meet those needs. We refer to this as
"Bucket 2" money. Like "Bucket 1", "Bucket 2" contains guaranteed investments such as CD's, U.S. Bonds
and Fixed Annuities, all of which are not subject to market risk. Frequently with "Bucket 2", we create a Fixed
Income Ladder to match maturities with income needs.

Step 3:
Finally, we place the balance of your assets into "Bucket 3" which focuses on growing your assets versus
providing current income. "Bucket 3" is invested into one of our actively managed strategies with the goal of
replacing "Bucket 1" in 10 years, or as needed.

"Buckets of Money"

This approach helps provide a guaranteed source of retirement income for the first 10 years and leaves you
with the peace of mind knowing that "Bucket 3" is being monitored on a monthly basis by our firm. Each plan
is customized to your unique needs and tolerance for risk, so you can spend your retirement years enjoying
what you have worked so hard to earn.