Stop Relying on Outdated Portfolio Models. Start Using Time-Segmented Planning.
The Quotient Advisor Strategy helps advisors build and manage portfolios aligned with client needs—retirement income or wealth goals. Built on The Bucket Strategy®, a 35-year proven approach backed by research and used to manage over $2B in assets.
The Problem with Traditional Planning
Most advisors still use the same approach for every client: one pie chart, one asset allocation, one hope that averages will work out.
Retirees forced to sell stocks during downturns, locking in permanent losses
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Generic advice that sounds like every other advisor
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Wealthy clients panicking during volatility because they don't understand the plan
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Clients who abandon their strategy at exactly the wrong time
There is a Better Way
The Quotient Advisor Strategy®
Match Money to Time Horizons
Instead of one portfolio with one allocation, segment assets into time-based buckets:
For Retirement Income Clients
Liquidity Bucket
1-7 years
Safe assets for immediate spending—never sell stocks for groceries
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Stability Bucket
8-15 years
Balanced investments that bridge to long-term growth
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Growth Bucket
15+ years
Equities left untouched to compound and recover from any downturn
Protected Income
Safe assets for immediate spending—never sell stocks for groceries
Alternatives
Non-correlated assets for enhanced diversification
Results
Retirees who sleep well knowing their first 15 years are protected, giving you permission to keep growth assets fully invested.
For Wealth Management Clients
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Liquidity Bucket
0-3 years
Cash for emergencies and immediate opportunities
Stability Bucket
3-7 years
Balanced investments that bridge to long-term growth
Growth Bucket
7-15 years
Diversified equities for medium-term accumulation
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Aggressive Growth
15+ years
Concentrated positions and high-conviction strategies
Results
Affluent clients who understand exactly why they own what they own, aligned with specific goals and time horizons.
Why this Works?
Start where you are. Scale when you’re ready.
Backed by 35+ years of evidence
Research shows that protecting the first 15 years leads to a 99% success rate for the rest of retirement
There has virtually never been a 15-year period where the S&P 500 posted a loss
Advisors using bucket strategies report higher client confidence, fewer panic calls, and stronger retention
Behavioral alpha that translates to results
Clients who understand their plan stick with it during volatility
Clear visuals that prospects and clients immediately grasp
Differentiated methodology that sets your practice apart
Software That Makes It Simple
Strategy
Build customized bucket plans with professional client presentations:
Design personalized strategies for retirement income or wealth management
Create visual reports clients actually understand
Model multiple scenarios and tax-efficient withdrawal sequences
Fully customize with your branding and compliance disclosures
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Track
Monitor and manage portfolios with integrated custodian data:
Connect client accounts and tag holdings to buckets
Compare projected vs. actual values
Know when to refill buckets or rebalance
Generate tracking reports that keep clients confident
Our Plans
Join the Quotient Advisor Community
Get access to the software, training, and a network of advisors using The Bucket StrategyⓇ to transform their practices.
Free Tier
Free Tier
Get Started
Includes Features
Bucket Strategy builder including Wizard and Advanced Mode
Standard 5 bucket configuration (including Protected Income and Alternative)
Firm Logo branding and custom bucket labeling
Change the number of years to illustrate (ie. 10-30 years)
Add multiple summary rows to enhance the Strategy illustration
Compliance Disclosure settings
Report Template Settings
Email & Community support
Pro Tier
$150
/mo
Get Started
Includes Features
Custom Strategy branding - Make the Strategy yours by removing the Quotient Advisor Strategy brand and tagline with your own brand
Add additional sub-buckets for further customization
Track feature with custodian integration - match underlying investments with buckets.
Priority support including plan design coaching
No setup fees. No contracts. Cancel anytime. Your first month is Free.
Explore the Software
Take a self-guided tour of our intuitive interface and discover how our tools can streamline your development workflow. Explore the software today.
