Financial Planning
Comprehensive Planning, Simplified
We live in a busy, complex world, and finding the perfect balance for your financial obligations can be overwhelming to juggle. Whether you are starting a business, saving for your children or grandchildren’s futures, funding retirement plans, running a corporate empire, building a philanthropic legacy—or all of the above—you deserve to have it all.
Maximize the growth, longevity and distribution of assets with
The Bucket Plan®
How can you optimize all of your financial goals? Simplify your financial planning with The Bucket Plan, our signature three-bucket approach that segments money based on purpose and time horizon.
Professionals
For those in the prime of their careers, our holistic planning process, The Bucket Plan, will help you navigate the challenges that a busy life can have on maximizing opportunities to build your wealth. We start with having assets allocated to meet your short-, intermediate-, and long-term financial goals and delivery actively managed strategies that strive to maximize your wealth. Lastly, we layer on risk management for the what-ifs in life as well as advanced tax planning to help minimize your taxes, today and into the future.
Pre-Retirees & Retirees
Navigating market volatility, taxes, inflation and increasing life expectancies can be challenging when planning for retirement today. Invest too safely and you run the risk of losing purchasing power due to inflation; invest too aggressively, and you can be subject to significant financial loss. Both scenarios can create the risk of running out of money in retirement or having to reduce the standard of living you are accustomed to.
If you are at or near your retirement goal, The Bucket Plan helps mitigate the greatest dangers of retirement today, including market risk, interest rate risk, sequence of returns risk and tax inefficiencies all while helping you continue to grow your wealth to live the retirement you want.
For retirees, The Bucket Plan helps to:
Here's Structure your money to provide reliable, tax-advantaged income throughout retirement
Protect against the what-ifs specific to retirement, such as healthcare planning
Align your assets to pass on to the intended beneficiaries in the most tax-efficient manner
Each MB Longland advisor who offers our solutions completes comprehensive training on The Bucket Plan, our holistic planning process methodology and execution.
How The Bucket Plan Works
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Now Bucket
The “Now” bucket is designed to be your safe and liquid money to be used to cover expected expenses in the next 12 months, such as a new car or home repairs. It’s also an emergency fund in case unexpected expenses arise.
Soon Bucket
The “Soon” Bucket is the preservation or opportunity bucket. Because this money may be needed sooner rather than later, it is invested for growth—but within a more conservative framework. This may provide reliable income in the first phase of retirement and act as an inflation hedge to help combat the rising cost of living. In retirement, by investing your “Soon” Bucket more conservatively, you can avoid the risk of being forced to sell during a large downward swing, ultimately liquidating a bigger piece of your overall portfolio for the same income amount. The “Soon” Bucket is created to reduce your exposure to extreme market fluctuations, ultimately reducing sequence of returns risk in retirement. For a professional who is a longer way from retirement, the “Soon” Bucket can act as an opportunity bucket to help increase your wealth when opportunities arise.
“In the Soon Bucket, we insure against what can go wrong, to acquire the luxury of investing in what can go right in the later bucket.”
– Matt Longland, | Chief Executive Officer
This philosophy is expanded upon in the bestselling book, The Bucket Plan: Growing and Protecting Your Assets for a Worry-Free Retirement.
Later Bucket
The “Later” Bucket is designed for long-term growth and legacy planning. Having bought a time horizon with the first two buckets, you can choose to invest in vehicles with a longer time commitment and greater growth potential with more confidence. This bucket can play a critical role in legacy planning too, particularly to provide income replacement for a surviving spouse.
What is a Holistic Plan?
Consider this:
Investment strategies are created to provide opportunities to grow your money.
Tax planning helps preserve money from unnecessary liabilities.
Estate planning is designed to protect a surviving spouse, and ensure your final wishes are honored.
Insurance is designed to protect and prolong the assets you have
At MB Longland, we believe it is essential for everyone to have access to a well-coordinated and holistic financial planning experience, and we have made it our mission to educate advisors on how to provide these services to families nationwide.
When working with MB Longland, you will be able to achieve a well-orchestrated, holistic financial plan designed to reach your ultimate goals and objectives.
Get Started
Don’t let market volatility, taxes, low interest rates, disorganized planning, or anything else stand in the way of your life’s ambitions. Start feeling confident that all the pieces of your plan are aligned and optimized toward your goals. Find an advisor to discuss creating a custom Bucket Plan, today.
A little more about us
15,000+
Customers Servied
12+
Years in Business
Don't take our word for it, Hear from our clients
We’re here to help you reach the retirement and financial goals you want. Here from some of our customers, and start planning for what comes next with a personalized plan.
Carmen Diaz
Very helpful and educational. Kept it simple and now I feel confident about my future and my children’s future. They tailored everything for my family and took my goals seriously. Hard to find people who truly care and do what they say! Highly recommend!!
Tasdeep Singh
Amazing to do business with TGE. It is a high quality business with honest and reliable people. They make everything very simple and straightforward.
Mary Earnest
They are knowledgeable, honest and will genuinely help/educate you on how to create wealth for you and your family.
Colette Baloney
Armo went beyond the call of duty to explain each product I was interested in. He sat with my entire family so that we all understood the value of insurance and most importantly he returns phone calls even on a Sunday!!
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Financial Planning and Advisory Services are offered through MB Longland ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. PCA and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which PCA maintains clients. PCA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. This brochure is limited to the dissemination of general information pertaining to its investment advisory/management services. Any subsequent, direct communication by PCA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Longland Group LLC and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice. Insurance and Tax Services offered through Longland Group LLC are not affiliated with PCA. Information received from this website should not be viewed as investment advice. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries. This site may contain links to articles or other information that may be contained on a third-party website. PCA is not responsible for and does not control, adopt, or endorse any content contained on any third party website. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.Financial Planning and Advisory Services are offered through MB Longland ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. PCA and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which PCA maintains clients. PCA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. This brochure is limited to the dissemination of general information pertaining to its investment advisory/management services. Any subsequent, direct communication by PCA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Longland Group LLC and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice. Insurance and Tax Services offered through Longland Group LLC are not affiliated with PCA. Information received from this website should not be viewed as investment advice. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries. This site may contain links to articles or other information that may be contained on a third-party website. PCA is not responsible for and does not control, adopt, or endorse any content contained on any third party website. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.