Retirement Planning Built for Real Life
Retirement looks different for everyone—there’s no one-size-fits-all plan. At BCA Private Wealth, we’ve helped individuals and families across Greenville, Clemson, and Upstate South Carolina navigate retirement transitions for nearly 25 years. Whether you’re approaching retirement or already there, our job is to help you turn your savings into a reliable, tax-efficient income stream that supports your lifestyle—now and in the decades ahead.
We don’t just build portfolios—we help you design a plan that grows with you. Our signature Retirement Income Bucket Strategy helps reduce the emotional stress of market volatility by organizing your assets into short-, mid-, and long-term income sources. It’s a simple, structured approach that’s helped countless clients retire with confidence.
As fiduciary financial advisors, we specialize in creating retirement income plans that are built around your goals, your timeline, and your risk tolerance—not generic products or cookie-cutter strategies.
Retirement Planning Services Include:
- Personalized retirement income planning aligned with your lifestyle
- IRA rollovers and Roth conversion strategies
- Pension analysis and maximization planning
- Portfolio design tailored to your retirement timeline and risk profile
- Long-term care planning to help protect your future and your family
Retirement Income Bucket Strategy
We use a 3-bucket system to simplify income accumulation and reduce sequence of return risk in retirement. Each “bucket” represents a different time horizon and investment approach.
Bucket 1: The Grill
(Years 1–5)
This is the money you’ll spend in the first five years of retirement. We call it the Grill because it’s the most active—you’re drawing income from it every month. These funds are invested conservatively to help ensure consistent monthly income regardless of market conditions.
Bucket 2: The Fridge
(Years 6–10)
This bucket is designed to replenish Bucket 1 when it runs low. Funds here are invested in moderate-risk vehicles—enough to outpace inflation, but with more stability than long-term investments. It’s accessible, liquid, and positioned to grow steadily.
Bucket 3: The Freezer
(Years 10+)
This is your long-term money, set aside to fight inflation and grow across multiple decades. It’s typically invested in equities and other growth-oriented assets, designed to support your later years—or to leave a legacy.
This is your long-term money, set aside to fight inflation and grow across multiple decades. It’s typically invested in equities and other growth-oriented assets, designed to support your later years—or to leave a legacy.
Ready to build a retirement plan that’s structured for the real world?
Our fiduciary advisors in Greenville and Clemson can help you align your income, investments, and long-term goals—all with a strategy you can follow.
