What’s in your buckets?

The Bucket Theory™ is the cornerstone of our approach to wealth accumulation. We believe that you should accumulate your wealth in three or four, distinct and non-correlated “buckets:”

  1. Traditional Investments - Includes diversified investment portfolios with a variety of investments that may include annuities, GICs, managed money options, segregated funds, ETFs, etc.

  2. Real Estate - Includes residential, commercial, personal or corporate-owned rental property, retirement rental income, and property sale at or during retirement.

  3. Business Equity - As a business owner, you know the value of your business better than any other investment: it’s here where your greatest potential for investment return lies.

  4. Participating Life Insurance - Some life-insurance policies are “participating,” which means they have potential for earning dividends and accumulating tax-sheltered savings (policies include guaranteed values plus dividends). Dividends can vary relative to investment returns, mortality, expenses, and taxes. It’s like a cooperative—you get to share in the profits. Total accumulation year over year can only go up.