Bonds, CDs & High-Yield Cash
A conservatively positioned mix of fixed income investments, chosen to prioritize stability and generate income — with lower volatility than growth-oriented holdings.
The Flagship Post-Retirement Paycheck PlanHelping Turn Your Savings Into a
Reliable Paycheck — For Life
Two buckets. One job each. One funds the life you're living today — the other stays invested for the years ahead. Your now and your next, each with a plan of its own.
40+
Years Combined Advisor Experience
100%
Fiduciary Standard
$0
Cost for your First Review
The Challenge You're Facing
Retirement Is Different Now
When you stop working, your paycheck stops — but your bills don't. Managing your own income in retirement is one of the most complex financial challenges most people will ever face.
Market Volatility
A major market drop in early retirement can permanently derail your income — even if markets recover later. Timing matters enormously.
Longevity Risk
A 65-year-old couple has a 50% chance one of them lives to 90+. Your money needs to last 25–30 years, not just 10 or 15.
Inflation Erosion
Even modest inflation cuts your purchasing power in half over 20 years. "Safe" means different things in year 1 versus year 20.
Psychological Stress
Without a clear income plan, many retirees spend less than they could — or panic-sell at market lows. Fear is expensive.
The Solution
Introducing the Post-Retirement Paycheck Plan
The Post-Retirement Paycheck (PRP) Plan is Flagship's structured approach to turning the wealth you've built into organized, ongoing retirement income. It's designed to answer one of retirement's hardest questions — how do I turn a lifetime of savings into a paycheck? — with a clear, coordinated strategy instead of guesswork.
It's built on a two-bucket system designed around a simple idea: separate the money you need now from the money you need later. This lets each pool of assets do exactly the job it's built for — nothing more, nothing less.
The result? You know where your income is coming from. You know how your risk is being managed. And you know part of your portfolio is still invested for the years ahead. That's the kind of clarity that lets you focus on enjoying retirement.
Your Retirement. Your Paycheck
Think of the PRP Plan like a payroll system — except you're both the employer and the employee. We design a structured approach to drawing income from your accumulated wealth.
We engineer income strategies from the wealth you've accumulated
Strategies designed to reduce your exposure to market downturns where it matters most
Long-term growth to stay ahead of inflation
A written, personalized plan — not a generic template
The Core Strategy
The Two-Bucket Approach
We divide your retirement assets into two purpose-built buckets. Each bucket has a different job. Together, they're designed to work across every stage of your retirement — from day one through the decades ahead.
Bucket A — Safety
The Income Engine
Built with protection-first instruments that provide income you can plan around — month after month, year after year.
A
Social Security Strategy
Claiming at the wrong age can cost you tens of thousands of dollars. We model and compare claiming strategies for your situation.
Bonds, Fixed Income & Market Buffers
Short-to-medium duration bonds are intended to provide scheduled interest income, while buffer strategies are designed to absorb a predetermined level of market loss within defined limits. Together, they're meant to make this bucket less sensitive to the market volatility affecting Bucket B.
The Goal: Cover Your Essentials
Mortgage or rent. Groceries. Utilities. Healthcare premiums. Bucket A is sized to cover your must-pay monthly expenses.
Bucket B — Growth
The Long-Term Portfolio
A diversified, professionally managed portfolio built with the goal of growing your wealth across decades — with Bucket A providing income so you can stay invested through market ups and downs.
B
Diversified Stock Portfolio
Domestic and international equities across market sectors and sizes. Diversification helps manage risk while keeping your portfolio positioned for long-term growth.
Bonds & Alternative Investments
Fixed income and alternatives help smooth volatility within the portfolio while maintaining growth. Balance is built in, not added as an afterthought.
Systematic Rebalancing
Markets drift. We actively rebalance to keep your allocation aligned with your goals — and to fund Bucket A replenishment as needed.
The Goal: Beat Inflation, Build Legacy
Bucket B targets long-term growth intended to outpace inflation over time — aimed at supporting your purchasing power in later years and your legacy goals.
How the Two Buckets Work Together Over Time
Income You Can Plan Around
Built to help cover your essential monthly expenses, with this bucket structured to limit its exposure to market ups and downs.
Long-Term Growth Potential
Because your near-term income comes from the other bucket, this one can stay invested for the long run — so you're not forced to sell during downturns. Built to pursue growth for later retirement and your legacy goals.
Why You Need a Guide
Simple to Understand. Complex to Execute.
The two-bucket concept is easy to grasp — but implementing it correctly involves an intricate web of financial, tax, and legal decisions that interact in ways that aren't obvious until something goes wrong.
LEFT SECTION NOT VISIBLE
Which fixed income mix — and how much?
There are hundreds of bonds, CDs, and cash-equivalent products with varying yields, terms, and features. Picking the wrong mix can cost tens of thousands of dollars over a 20-year retirement.
When to claim Social Security?
Claiming at 62 vs. 70 can produce a lifetime income difference of $100,000 or more. The "right" answer depends on your health, other income, and spouse's situation.
Which accounts do you withdraw from first?
Drawing from the wrong accounts at the wrong time can trigger higher taxes, push you into a higher Medicare premium bracket, or accelerate RMDs you don't need.
When does Bucket B refill Bucket A?
Selling from Bucket B at the wrong market moment locks in losses. The timing and trigger rules need to be set in advance — not decided under market stress.
How do healthcare and long-term care factor in?
A single extended care event can wipe out Bucket B if not planned for. Medicare timing, supplement coverage, and LTC strategies all need to integrate with your income plan.
This Is Why Our Experience Matters.
Any one of these decisions, made without full context, can quietly undermine a retirement that looked solid on paper. The variables interact — a tax decision affects Social Security which affects Medicare which affects your withdrawal strategy.
You can understand the bucket concept in ten minutes. Building the plan correctly — and adjusting it year after year as tax laws, markets, and your life evolve — takes years of specialized experience.
”Our job isn't to make retirement complicated. It's to handle the complexity for you — so your retirement is simple.“
— Scott Buell, AIF CMFC CRPC AAMS
Founder and Managing Partner
Flagship Financial Advisors
Your Next StepReady to See Your Post-Retirement Paycheck Plan?
Schedule a complimentary review with our team. We'll walk through your situation, explain exactly how the bucket strategy would work for you, and give you a clear picture of your retirement income — no cost, no obligation.
- No Cost
- No Obligation
- No Sales Pressure
- Fiduciary Advisors