Many people nearing retirement have done everything they were told to do: saved diligently, contributed to retirement accounts, and made thoughtful financial decisions along the way. Yet as retirement approaches, uncertainty often grows instead of fades.

That’s because saving alone is not the same as true retirement income planning.

At The CP Welde Group, we provide comprehensive guidance to retirees and pre-retirees in the Chadds Ford, PA area with $1M+ in investable assets. Our goal is to help you step into retirement with purpose, direction, and a solid, adaptable plan built to support the life you’ve worked hard to create.

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of our foundation of success.

For many people, their financial life is constructed in pieces. Retirement accounts in one place, taxes handled somewhere else, insurance decisions made separately.

Individually, each piece may be fine. But without a plan connecting them, things can fall through the cracks, like paying more in taxes than necessary or missing out on Social Security benefits.

At The CP Welde Group, we focus on comprehensive tax efficient retirement planning that centers on how each part of your financial life connects and supports the others, so your money comes together to work for you, not against you. We do that with The Bucket Plan^®.

Some of the most common concerns we hear from retirees and pre-retirees are:

“What happens if the market drops when I retire?”

“Will my savings last as long as I do?”

“How do I make sure my spouse is taken care of if I go first?

These are valid questions and can be overwhelming to consider all at once.

At The CP Welde Group, we approach them differently. Instead of trying to account for your changing needs with one pool of money, The Bucket Plan^® organizes your income based on when you’ll need it. This helps ensure you have steady income for day-to-day expenses while still making room for future growth.

It’s like giving every dollar a job and grouping them by when they need to show up for work:

Now Bucket: Accessible funds set aside for your day-to-day needs, so your income stays predictable even when the market isn’t.
Soon Bucket: Assets you’ll need over the next several years, conservatively positioned for stability.
Later Bucket: Long-term investments designed for continued growth

We can’t eliminate uncertainty, but we can create a retirement plan built to withstand it. It’s a simple idea, but it changes how retirement feels because it gives you back control.

What does a holistic financial planner do for retirement?

A holistic financial planner helps you turn your savings into a reliable retirement income. At The CP Welde Group, that means aligning your investments, tax approach, income planning, risk management, and legacy goals so each decision works together to help support your lifestyle, not just your portfolio.

How can I reduce taxes in retirement?

Reducing taxes in retirement starts with having a plan. Strategies may include managing withdrawal timing, using Roth conversions, coordinating Social Security with other income, and planning ahead for required minimum distributions (RMDs). The goal is to avoid large tax spikes and keep more of what you’ve saved.

What are the biggest risks in retirement planning?

Some of the most common risks include outliving your money, rising taxes, market volatility, inflation, and unexpected healthcare costs. A well-structured plan like The Bucket Plan^® helps address each of these over time.

What is The Bucket Plan^® and how does it work?

The Bucket Plan^® is a retirement income strategy that organizes your assets into three time-based categories: Now, Soon, and Later. Each bucket is aligned with when the funds will be needed, helping to support near-term income while allowing long-term assets to continue growing. It is the framework we use to build retirement income plans at The CP Welde Group.