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Life is too short to worry about where you are going next.

Let us open the doors to your financial future.

Many people struggle to find balance in their financial planning.

If you invest too conservatively, you may protect the assets you currently have, but you can lose purchasing power due to inflation.

On the other hand, if you invest too aggressively, you face the potential of significant financial losses.

So, how do you find the right balance?


The Bucket Plan®

We utilize The Bucket Plan as a holistic way for our clients to achieve their retirement goals. This strategic approach allocates assets based on income needs, time horizon, and tax qualifications. It accounts for potential challenges such as market volatility, inflation, taxes, and life expectancy.

Assets are strategically positioned into three “buckets”: the immediate (Now), the short-term (Soon) and long-term (Later).

The Now Bucket

The Now Bucket

Consists of liquid funds that can be accessed immediately. The funds are used for emergencies and upcoming, large expenses.

The Soon Bucket

The Soon Bucket

Refers to money that will be used sooner rather than later. If you are nearing retirement, this bucket will help fund your first phase of retirement. For younger individuals, this is money that can be accessed penalty-free outside of the Now Bucket. We encourage an inflationary hedge for this bucket to help keep pace with inflation if utilizing this money during the start of retirement.

The Later Bucket

The Later Bucket

Consists of funds that will not be accessed until the later years of retirement. Due to the longer time horizon, these funds are invested in more long-term, growth-oriented investments. The Later Bucket also replenishes the Soon Bucket as it is spent down.


Retirement Income Planning is just one aspect of KCA Wealth Management’s Holistic Financial Planning services. Check out how Holistic Financial Planning can help you on your financial journey to greater success.

Have gaps in your financial plans? We identify missed opportunities in planning and strive to make our clients more successful by taking advantage of the opportunities and filling in gaps.

Let’s explore opportunities to reach your life goals

Schedule a meeting or complete the form below to discuss how we can help plan your current, future and legacy dreams.

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KCA Wealth Management | Holistic Financial Planning Company | Retirement Savings | Investments | Harrisburg | Hershey| Carlisle | Camp Hill | Pennsylvania