Question 1

Short-Term: The "Spend" Bucket (0–2 Years)

Accepted Answer

The Goal: Liquidity and Stability.

The Assets: Cash, Money Markets, and Short-term Treasuries.

The "Use-By": These are the dollars you need for groceries, travel, and taxes today. They stay protected from market swings.

Question 2

Mid-Term: The "Bridge" Bucket (3–7 Years)

Accepted Answer

The Goal: Wealth Preservation with a "Buffer."

The Assets: High-quality Bonds and Buffer ETFs.

The "Use-By": This is your safety net—money that provides a bridge during market downturns so you don't have to sell your stocks at a loss.

Question 3

Long-Term: The "Growth" Bucket (8+ Years)

Accepted Answer

The Goal: Compounding and Legacy.

The Assets: Global Equities and Diversified Stock Portfolios.

The "Use-By": These dollars have a decade or more to grow. Because your short-term needs are met, these assets can work through market cycles without the pressure of being needed for next month’s expenses.

Your portfolio shouldn’t be based on a quiz.

Institutional-grade precision. Personal-scale planning.

The 60/40 model is built for scale, not for you.

Strategy starts with your "When," not your "Score."

Trade "what if" for a clear "what’s next."

Make the most of your wealth.

LifePoint Planning, PLLC (“LPP”) is an SEC-registered Investment Adviser offering advisory services in the United States of America.

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