Broker Check

Comprehensive Financial Planning & Retirement Income Strategies


By the time retirement is within reach, most people have done many things well. You’ve worked hard, saved consistently, and made thoughtful decisions along the way. Still, as this next phase approaches, it’s natural for new questions to surface.

Am I in danger of running out of money in retirement?
How do I limit the amount of taxes on my retirement income?
How will my monthly retirement income take care of my needs?
Will I be able to spend money and enjoy my lifestyle the way I want?

At Avanti Wealth Management®, we guide high-income professionals, business owners, and retirees in the Central Florida/Orlando area with $750K-$1M or more in investable assets move into the next phase with a clear, tax-efficient and adaptable plan. Our role is to help your financial life feel organized, sustainable, and aligned with what matters most to you.

Schedule A Call

The Bucket Plan®: A Proven Framework to Help Create Reliable Retirement Income

To help answer those key questions that arise when planning for retirement, we use The Bucket Plan®. It is a process for creating a financial plan built on a simple but powerful idea: not all of your money needs to do the same job at the same time. By organizing assets into three time-based buckets, we create a retirement income plan that delivers income today, helps guard against market volatility, and builds wealth for the future.

  • Now — Funds set aside for near-term income needs, covering day-to-day living expenses to help you avoid having to sell investments during market downturns.
  • Soon — Assets positioned to replenish the Now bucket over the next several years, providing a cushion that helps protect against short-term market volatility.
  • Later — Long-term growth assets, invested for the future with the freedom to ride out market cycles, and ultimately designed to fund legacy goals and wealth transfer.
Learn More About the The Bucket Plan®


Download Your Free Guide:

What An Avanti Wealth Management Plan Looks Like

A comprehensive plan from Avanti Wealth Management goes far beyond investments. We bring together every dimension of your financial life into one integrated strategy using the Five Pillars of Holistic Wealth Management, which includes:

  • Financial Planning — A clear, personalized roadmap that helps organize your financial life and guide decisions as your goals evolve.
  • Tax Management — Proactive strategies focused on managing both current and future tax exposure, including retirement income planning, Roth conversions, and tax-aware distribution planning.
  • Asset Management — Thoughtful investment management aligned with your timeline, objectives, and risk tolerance, designed to help support growth and stability over time.
  • Protection Planning — Comprehensive risk management including life, disability, and long-term care coverage, designed to help protect your family and preserve your wealth against life’s uncertainties.
  • Legacy Planning — Estate planning, charitable giving, and wealth transfer solutions that ensure your assets go where you intend and reflect what matters most to you.

Through our affiliated tax and accounting practice, AvantiPRO, clients also have access to a fully integrated layer of financial support that goes well beyond traditional advisory services.

Discover AvantiPro

Serving High-Income Professionals and Business Owners Across Central Florida and Beyond

We are proud to offer holistic wealth management and tax-efficient financial planning services to our valued clients throughout central Florida and across the country. Whether you are preparing for retirement, navigating the transition, or already living in it, you deserve the support of a caring steward of your wealth to help you through.

When you’re part of the Avanti Wealth Management family, you can experience confidence in the direction you are moving and comfort knowing you can live well. Reach out and take advantage of your complimentary consultation with us today. We can’t wait to meet you.

Frequently Asked Questions About Holistic Financial Planning for Retirement


What does a holistic financial planner do for retirement?

A holistic financial planner helps you turn your savings into a reliable retirement income. At Avanti Wealth Management, 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 do I know if I need a holistic financial plan?

If you have multiple income sources, significant retirement savings, or growing tax exposure, a coordinated plan can help bring clarity to how everything works together. Many individuals reach a point where decisions around income, taxes, and investments begin to overlap, and having a cohesive strategy can help ensure those decisions are aligned over time.


What are some of the biggest risks in retirement planning?

Some of the most common risks include outliving your money, rising tax exposure over time, market volatility, inflation, and unexpected healthcare costs. Taxes in particular can have a significant impact on retirement income if not managed proactively, especially as multiple income sources begin to overlap. A robust tax management strategy within a flexible, proactive framework like The Bucket Plan® can help continuously address these challenges.


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

The Bucket Plan® is a proven retirement income planning process 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 sustainable retirement income plans at Avanti Wealth Management.


What makes Avanti Wealth Management different from other financial advisors?

With over three decades of experience and specialized expertise in estate and legacy planning, Avanti Wealth Management takes a comprehensive, relationship-driven approach that focuses on aligning every part of your financial life. Rather than addressing investments, taxes, and income separately, our flexible, customized planning process is designed to support long-term outcomes. Clients often value the depth of expertise and the level of personal attention they receive throughout our working relationship.

>