Brad clearly explains the “Three Bucket Strategy” for retirement—a simple yet powerful framework to organize your savings into short-term, midterm, and long-term income sources. He breaks down each bucket’s role, from providing immediate cash flow and emergency access, to generating stable midterm income through tools like fixed indexed annuities, and finally supporting long-term growth with equities. Using a real client example, Brad shows how this approach can offer both peace of mind and flexibility, helping retirees adapt to life changes without financial panic. It’s a practical, easy-to-understand guide for anyone seeking a structured, stress-free retirement income plan.