Enter your spending needs, income, and account balances. The tool accounts for your retirement date and when Social Security starts — because your bucket sizes change when guaranteed income kicks in.
Spending & income
Annual figures — we'll handle the monthly math
Enter Social Security separately below
Used to project future bucket sizes
Social Security elections
When SS starts, your net portfolio need drops — which shrinks your bucket sizes and shifts your allocation. Enter each person's expected monthly benefit and claiming age.
Person 1
Person 2 (if applicable)
Accounts
Enter each account, its type, and current balance
Account nameTypeBalance
The four-bucket framework
Your money organized by when you'll need it — only buckets within your time horizon are funded
Bucket 4 · Years 15+100% Equity
Bucket 3 · Years 9–1480% Equity / 20% Fixed
Bucket 2 · Years 4–840% Equity / 60% Fixed
Bucket 1 · Years 1–3Cash
Social Security impact — before & after
When SS starts, your net portfolio need drops and your allocation shifts toward equity — you need fewer conservative buckets.
Current allocation results
Based on net annual spending need of —
Total assets
—
Bucket 1 — cash reserve
—
3 years net spending
Blended equity target: —Fixed income: —
Bucket
Time horizon
Allocation
Amount
% of portfolio
Account-level allocation proposals
Recommended equity/fixed splits by account — use the override slider to adjust any account individually
Asset location logic: Roth accounts prioritized for equity (tax-free growth). Pre-tax accounts balance the blend. Taxable fills remaining needs.
Portfolio summary
Total assets
—
Blended equity (current)
—
Blended fixed income
—
Cadence Wealth Partners, LLC · Concord, NC For planning and educational purposes only. Not a guarantee of future results. Please review with your advisor.