When planning for retirement, it's critical to construct a sustainable retirement income strategy. Pat Ginefra, www.mylifebroker.com, recommends a bucket approach that allocates assets into three categories. The first category is an emergency bucket, the second is an income bucket designed to replace your paycheck and the third is a growth bucket to build your assets for the long-term. This strategy must then be applied to each individual situation, according to your specific needs. Ginefra collaborates with clients to come up with uniquely tailored solutions based on their expectations, risk tolerances and lifestyle.

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Licensed Insurance Professional. Respond and learn how life insurance and annuities can be used to positively impact your retirement. This material has been prepared for informational purposes only.  It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.