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1301 HRC Plaza Drive, Lake Saint Louis, MO 63367

(636) 778-2500
endeavor@lpl.com
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The Bucket Approach to Investing

Defined Approach. Customized Strategy.

Our method for determining your needs helps us design a customized plan just for you.

At Endeavor Wealth we view investing as a process of strategically filling your financial buckets. We liken it to building a sports team.  You wouldn't build a baseball team of only pitchers or a football team of only quarterbacks. Just as in any well-rounded strategy, you need a variety of assets to meet your unique goals and safeguard your financial future. A diversified approach helps to ensure that you are not overly reliant on one type of investment, but rather balancing your portfolio to serve different needs: some assets provide income, others lower risk, and some are focused on growth potential.

The right mix of investments is unique to each investor. It's based on your specific financial circumstances, future goals, and risk-tolerance. That's why we work with you to create a customized strategy designed to help you pursue your goals.

To make this process clear, we break your assets down into three primary investment buckets.  Each serves a distinct purpose, allowing you to maintain a balanced and resilient approach.

Preserve – Less Volatility & Liquidity

The first bucket utilizes investments that have low risk and a predictable income stream, so you can count on them to provide income for essential expenses. We like to think of this as "mailbox money", income that shows up regardless of market conditions.  

In retirement, you’ll use these investments – such as Social Security, pensions, annuities, real estate – to pay for household, transportation, living, medical and health expenses.

Sustain – Income & Moderate Growth

Sometimes the first bucket may not meet all of your income needs. The second bucket contains investments that provide supplemental income for things like entertainment, dining out, hobbies, travel, etc. 

These investments are liquid and provide accessible income while still offering growth potential.


Grow - Long-Term Growth and Opportunity

To build and preserve wealth over the long run, taking some risk is necessary. With life expectancy increasing, your retirement could span 20 - 30 years or more making longevity a key component of the final bucket.

These investments are designed to help maximize long-term growth, help you pursue your desired retirement lifestyle, and help to combat the increasing cost of retirement.  

This bucket also helps ensure the opportunity to leave a meaningful legacy to your family and/or satisfy any charitable intentions you may have.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. Past performance is no guarantee of future results. There can be no guarantee that strategies promoted will be successful and no guarantee of positive results. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Want to talk about how to fill your financial buckets? We’re here to help.

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