28 Oct 2026
Two-Bucket Retirement Strategy: How Much Cash Do You Need?
📄 Get your free worksheet for sizing your cash bucket and writing your refill rule: https://cdn.prod.website-files.com/6a6e0cd7d1eab6461dcabb63/6ad3772639f9e376919609e4_22-40%20Retirement%20Bucket%20Strategy%20Explained%20How%20Much%20Cash%20Do%20You%20Need%20downloadable.pdf (https://cdn.prod.website-files.com/6a6e0cd7d1eab6461dcabb63/6ad3772639f9e376919609e4_22-40%20Retirement%20Bucket%20Strategy%20Explained%20How%20Much%20Cash%20Do%20You%20Need%20downloadable.pdf)
The retirement bucket strategy usually comes with three buckets. Two do the job if you hold enough cash and write a rule for refilling it.
Josh Duncan, partner at F5 Financial Planning, a fee-only fiduciary firm, shows what that cash is for. A market decline early in retirement can force you to sell shares at low prices to pay the bills, and those shares are gone when prices recover. With cash on hand, you choose when to sell.
This episode covers:
• What the research says about bucket strategies and your returns
• How much cash to hold, measured in years of spending
• Whether holding extra cash makes your retirement safer
• When to top up your cash and how much to add
• Where each refill comes from and what it costs in tax
Nothing in the strategy says you need more conservative investments because you had a birthday.
🎥 Which account to spend first in retirement: https://www.youtube.com/watch?v=bz2mS1dYbtE (https://www.youtube.com/watch?v=bz2mS1dYbtE)
🎥 Required minimum distributions, explained: https://www.youtube.com/watch?v=5KPGAeO5sO4 (https://www.youtube.com/watch?v=5KPGAeO5sO4)
👉 Work with us at https://www.f5fp.com (https://www.f5fp.com/)
About F5 Financial Planning:
At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.
At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.
Visit https://www.f5fp.com to learn more about our services and planning process.
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Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.
Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.
