Architect retirement income across 4 risk-tiered buckets — Liquid, Debt, Hybrid, Equity
Bucket 0 = 24 mo expense, held liquid. Pre-retirement accumulation uses the Equity rate.
| Bucket | Asset Class | Years Covered | Return | Amount | % of Corpus |
|---|
Each bucket grows at its own rate while waiting, then is drawn down during its assigned years. Withdrawals inflate continuously across the retirement period.