The Paycheck Architecture: Designing a Four-Bucket System for Sustainable Retirement Income E-Book
Marcus Halstead
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Retirement income planning requires more than a withdrawal rate—it demands a structure that balances liquidity, stability, and long-term growth. The four-bucket framework has emerged as one of the most effective systems for turning portfolios into predictable “paychecks” without sacrificing resilience.
This book provides financial professionals, advisors, and advanced investors with a research-driven playbook for designing and implementing the four-bucket income system. Inside, you’ll learn:
How to allocate between cash, short-duration bonds, equity income, and growth assets.
Why time-segmentation reduces sequence-of-returns risk.
How to model cash-flow sustainability across market cycles.
The math behind refill rules, drawdown smoothing, and long-term capital preservation.
A professional-grade framework to align retirement income with real-world spending needs.
The Paycheck Architecture is not a retail-level overview—it’s a rigorous, systematized approach to engineering retirement paychecks that last.
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Veröffentlichungsjahr: 2025
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Marcus Halstead
The Paycheck Architecture: Designing a Four-Bucket System for Sustainable Retirement Income
Copyright © 2025 by Marcus Halstead
All rights reserved. No part of this publication may be reproduced, stored or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise without written permission from the publisher. It is illegal to copy this book, post it to a website, or distribute it by any other means without permission.
This novel is entirely a work of fiction. The names, characters and incidents portrayed in it are the work of the author's imagination. Any resemblance to actual persons, living or dead, events or localities is entirely coincidental.
Marcus Halstead asserts the moral right to be identified as the author of this work.
Marcus Halstead has no responsibility for the persistence or accuracy of URLs for external or third-party Internet Websites referred to in this publication and does not guarantee that any content on such Websites is, or will remain, accurate or appropriate.
Designations used by companies to distinguish their products are often claimed as trademarks. All brand names and product names used in this book and on its cover are trade names, service marks, trademarks and registered trademarks of their respective owners. The publishers and the book are not associated with any product or vendor mentioned in this book. None of the companies referenced within the book have endorsed the book.
First edition
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Contents
1. Chapter 1
2. Chapter 1: Understanding Retirement Income Planning
3. Chapter 2: The Four-Bucket Retirement Plan
4. Chapter 3: Cash Bucket: Ensuring Liquidity
5. Chapter 4: Short-Duration Bonds: Stability in Income
6. Chapter 5: Equity Income: Growth Connections
7. Chapter 6: Growth Assets: Preparing for the Future
8. Chapter 7: The Importance of Time-Segmentation
9. Chapter 8: Modeling Cash-Flow Sustainability
10. Chapter 9: Refill Rules and Drawdown Smoothing
11. Chapter 10: Capital Preservation Techniques
12. Chapter 11: Aligning Retirement Income with Real-World Spending Needs
13. Chapter 12: Professional-Grade Framework for Retirement Income
14. Chapter 1: Understanding Retirement Income Planning
15. Chapter 2: The Four-Bucket Retirement Plan
16. Chapter 3: Cash Bucket: Ensuring Liquidity
17. Chapter 4: Short-Duration Bonds: Stability in Income
18. Chapter 5: Equity Income: Growth Connections
19. Chapter 6: Growth Assets: Preparing for the Future
20. Chapter 7: The Importance of Time-Segmentation
21. Chapter 8: Modeling Cash-Flow Sustainability
22. Chapter 9: Refill Rules and Drawdown Smoothing
23. Chapter 10: Capital Preservation Techniques
24. Chapter 11: Aligning Retirement Income with Real-World Spending Needs
25. Chapter 12: Professional-Grade Framework for Retirement Income
1
Chapter 1
Table of Contents
2
Chapter 1: Understanding Retirement Income Planning
The Essentials of Retirement Income Planning
The Challenges of Retirement Income
The Importance of a Structured Income Strategy
The Role of the Four-Bucket System
3
Chapter 2: The Four-Bucket Retirement Plan
Understanding the Four-Bucket Framework
The Role of Time-Segmentation
Cash-Flow Modeling for Sustainability
Implementing the Four-Bucket System
4
Chapter 3: Cash Bucket: Ensuring Liquidity
Importance of the Cash Bucket
Determining the Right Size of the Cash Bucket
Types of Cash-Equivalent Investments
Managing the Cash Bucket Effectively
5
Chapter 4: Short-Duration Bonds: Stability in Income
Understanding Short-Duration Bonds
The Role of Short-Duration Bonds in the Four-Bucket Strategy
Evaluating Short-Duration Bond Funds
Strategies for Integrating Short-Duration Bonds
6
Chapter 5: Equity Income: Growth Connections
The Importance of Equity Income in Retirement
Strategies for Allocating to Equity Income
Selecting Quality Equity Income Investments
Tax Considerations for Equity Income Investments
7
Chapter 6: Growth Assets: Preparing for the Future
Understanding Growth Assets
Integrating Growth Assets into the Four-Bucket System
Balancing Growth Potential with Income Needs
Managing Risks Associated with Growth Assets
8
Chapter 7: The Importance of Time-Segmentation
Understanding Time-Segmentation
The Role of Cash Reserves
Short-Duration Bonds as a Bridge
Equity Income Allocation in Time-Segmentation
9
Chapter 8: Modeling Cash-Flow Sustainability
The Importance of Cash-Flow Modeling
Implementing a Robust Cash-Flow Framework
Analyzing Cash Flow During Market Cycles
Stress Testing Your Cash-Flow Model
10
Chapter 9: Refill Rules and Drawdown Smoothing
Understanding Refill Rules
The Concept of Drawdown Smoothing
Mathematical Foundations of Refill and Smoothing
Practical Applications of Refill Rules and Smoothing
