--- title: Income Plan Intake Form | Four C Financial description: Learn how the Lifetime Income Model™ time-segmented investing strategy works — five time horizons, less volatility, more predictable retirement income. image: https://www.fourcfinancial.com/hubfs/FourC%20Brochure.jpg --- - [Home](https://www.fourcfinancial.com) - [About Us](https://www.fourcfinancial.com/about-us) - [Services](https://www.fourcfinancial.com/services) - Income Planning - [Retirement Income Planning Guide](https://www.fourcfinancial.com/retirement-income-guide) - [Retirement Income Estimator](https://www.fourcfinancial.com/retirement-income-estimator) - [Lifetime Income Model™](https://www.fourcfinancial.com/bucket-strategy) - [Income Strategy Calculator](https://www.fourcfinancial.com/ourprocess#fourc-calc-section) - [How It Works](https://www.fourcfinancial.com/ourprocess) - [Business Exit Planning](https://www.fourcfinancial.com/business-owner-exit) - [Market Insights](https://www.fourcfinancial.com/market-knowledge) - [Contact](https://www.fourcfinancial.com/contact) # The Lifetime Income Model™ Strategy: Investing for When You'll Actually Use the Money. A time-segmented approach to retirement investing that aligns each portion of your portfolio with a specific time horizon — designed to reduce volatility, protect income, and let long-term money keep working. ## Why one big portfolio doesn't fit retirement. Most retirement portfolios are built around a single risk profile — “moderate,” “balanced,” “growth.” That works fine while you’re accumulating. But the moment you start taking income, a problem emerges: you’re withdrawing from the same pool whether markets are up or down. A bad sequence of returns in the early years of retirement can permanently impair the plan, no matter how good the long-term average looks on paper. Time-segmented investing solves this by recognizing a simple truth: the money you need next year and the money you need in year 25 shouldn’t be invested the same way. ## The Lifetime Income Model™. Five time horizons. One coordinated plan. ### Years 1–5 | Immediate Income ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) ## Years 1–5 | Immediate Income Years 1–5 | Immediate Income Conservative, income-stable, low volatility. Money you're spending soon — shouldn't move with the market. Delivers monthly income without short-term market exposure. More ### Years 6–10 | Near-Term Income Reserve ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) ## Years 6–10 | Near-Term Income Reserve Years 6–10 | Near-Term Income Reserve Conservative to moderate. Replenishes Bucket 1 as it’s spent down. Captures modest growth while maintaining low volatility. More ### Years 11–15 | Intermediate Growth ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) ## Years 11–15 | Intermediate Growth Years 11–15 | Intermediate Growth Balanced. Allows measured equity exposure — enough to outpace inflation, structured enough to recover from typical market cycles. More ### Years 16–20 | Long-Term Growth ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) ## Years 16–20 | Long-Term Growth Years 16–20 | Long-Term Growth Growth-oriented. Nearly two decades before needed — pursue meaningful equity returns and ride through volatility without disrupting income. More ### Years 20+ | Legacy and Late-Life Growth ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) ## Years 20+ | Legacy and Late-Life Growth Years 20+ | Legacy and Late-Life Growth Aggressive growth. Longest runway — may fund late-retirement needs, healthcare, or generational wealth transfer. Time is its biggest advantage. More Previous Next ## A plan that breathes with the market — instead of breaking with it. When markets are strong, we harvest gains from later buckets to refill the near-term buckets — locking in growth at favorable times. When markets are weak, we draw from already-conservative near-term buckets, leaving the growth buckets untouched and giving them time to recover. The discipline is the difference. Most retirees, left to their own decisions, end up selling growth assets at the worst possible time — when they're down — because they need the income. The bucket strategy prevents that scenario by design. ## Why we use five time horizons instead of three. The traditional bucket strategy uses three — short, medium, and long. That works, but it leaves a gap. The “medium” bucket ends up doing too much work, trying to be both an income reserve and a growth engine. The Lifetime Income Model™ give us cleaner separation. Each bucket has a single job. Each transition is smoother. And the longest bucket — the 20+ year horizon — gives us the freedom to take meaningful long-term growth risk without ever touching income. ## Who benefits most from a Lifetime Income Model™ approach? Retirees taking income now: You’re already drawing from your portfolio. Volatility hurts you the most. The Lifetime Income Model™ strategy is built around protecting your monthly paycheck. Pre-retirees within 10 years: Sequence-of-returns risk is highest in the five years before and after retirement. Building the bucket structure now means you enter retirement with the plan already in place. Business owners planning a transition: After a business sale or succession event, you suddenly have liquid assets that need to produce reliable income. The Lifetime Income Model™ structure is designed for exactly that transition. --- ### See What Your Income Could Look Like Use our **Retirement Income Estimator** to get a personalized projection of how the Lifetime Income Model™ could work for your specific situation — your assets, your timeline, your income goals. [TRY THE RETIREMENT INCOME ESTIMATOR →](https://www.fourcfinancial.com/retirement-income-estimator) Free — no obligation. Takes about 3 minutes. Want to see how the Lifetime Income Model™ strategy would work for your situation? We’ll walk you through it specifically — your timeline, your income needs, your tax picture. [Schedule a Conversation](https://www.fourcfinancial.com/contact) ![white logo 4c](https://www.fourcfinancial.com/hs-fs/hubfs/white%20logo%204c.png?width=200&name=white%20logo%204c.png) Copyright © 2026 Four C Financial. 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The information on this website has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Registration as an Investment Adviser does not imply a certain level of skill or training. Four C Financial # Lifetime Income Model Fact Finder Complete the worksheet below. Our planning team will build your personalized Lifetime Income Model and schedule a time to walk you through the results. Fill in what you know — estimates are fine, and you can leave anything blank that doesn't apply. The more complete the picture, the more accurate your model will be. ## Client Name (First / Last) \* Date of Birth Gender Male Female Email / Phone \* State of Residence Gender is used only for life-expectancy assumptions in the income model. ## Spouse / Partner If applicable — otherwise skip this section. Name (First / Last) Date of Birth Gender Male Female ## Retirement The age at which each person's plan begins. Plan Start — Client (Retirement Age) Plan Start — Spouse (Retirement Age) Investment Risk Tolerance Please select… ConservativeModerately Conservative ModerateModerately AggressiveAggressive ## Retirement Income Need **Please tell us whether these figures are Gross or Net.** Gross is before income taxes. Net is what you need in cash, regardless of tax treatment. *Pick one — we don't need both.* These figures are \* Gross (pre-tax) Net (cash needed) Living Expenses — monthly *(inflating)* Liabilities — monthly *(level)* Insurance Premiums — monthly *(level)* Additional Expenses — monthly Estimated Tax Rates *(if known)* Total Monthly Income Needed If you don't know your tax rates, leave them blank — we can estimate. ## Income Floor — Retirement Income Sources Guaranteed or recurring income you expect to receive. Estimate if you're not yet collecting. | Income Source | Monthly Amount | Start Age | End Age | COLA / Inflation | Spousal Benefit | | --- | --- | --- | --- | --- | --- | | Social Security — Client | | | | | | | Social Security — Spouse | | | | | | | Pension | | | | | | | Annuity | | | | | | | Disability | | | | | | | Other | | | | | | COLA is any annual cost-of-living increase (e.g. "2%" or "Yes"). Leave End Age blank if the income continues for life. ## Total Investment Amount Total assets available to fund retirement Total annual contributions *(if still working)* List the individual accounts below — we'll use them to confirm this total. ## Investment Accounts IRA, Roth, 401(k), brokerage, annuities, cash — add as many as you need. \+ Add another account ## Other Assets & Liabilities Life Insurance — total face value Real Estate / Other Assets Total Outstanding Debts *(balance)* ## Anything else you want us to know Best time to reach you 🔒 ### Your information is confidential What you provide is used only to prepare your personalized income plan. It is never sold or shared with third parties. Four C Financial takes your privacy seriously. ## Send Us Your Statements Documents are optional, but they make your model far more accurate than estimates alone. Most helpful: a recent statement for each investment or retirement account, your Social Security estimate from ssa.gov, and any pension or annuity summary. [Upload Documents Securely →](https://www.dropbox.com/request/n9i05194u8fgeapumoza) Opens a private Dropbox upload folder — no Dropbox account needed. Your files go directly to Four C Financial, and no other client can see what you upload. **Please don’t include full Social Security numbers, account passwords, or login credentials.** Submit My Fact Finder “Someone is sitting in the shade today because someone planted a tree a long time ago.” — Warren Buffett ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "contentUrl" : "https://20785604.fs1.hubspotusercontent-na1.net/hubfs/20785604/Client%20facing%20Tifin%20Risk%20Explainer%201.mp4", "dateModified" : "2022-11-09T17:49:08.247Z", "duration" : "PT1M50.037S", "height" : 1080, "name" : "Client facing Tifin Risk Explainer 1", "thumbnailUrl" : "https://20785604.fs1.hubspotusercontent-na1.net/hubfs/20785604/Client%20facing%20Tifin%20Risk%20Explainer%201.mp4/medium.jpg", "uploadDate" : "2022-11-09T17:48:53.410Z", "width" : 1920 } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "contentUrl" : "https://20785604.fs1.hubspotusercontent-na1.net/hubfs/20785604/Four%20C%20Financial(1).mp4", "dateModified" : "2022-10-20T21:48:59.946Z", "duration" : "PT1M30.372S", "height" : 1080, "name" : "Four C Financial(1)", "thumbnailUrl" : "https://20785604.fs1.hubspotusercontent-na1.net/hubfs/20785604/Four%20C%20Financial(1).mp4/medium.jpg", "uploadDate" : "2022-10-20T21:48:45.801Z", "width" : 1920 } ```