The Buckets of Money Retirement Solution
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The Buckets of Money Retirement Solution
The Ultimate Guide to Income for Life
By Raymond J. Lucia with Dale Fetherling
Foreword by Ben Stein
“Ray Lucia has always been great on radio and TV. When you read The Buckets of Money® Retirement Solution, you’ll know why he is one of the nation’s top retirement experts.” –SEAN HANNITY, radio/TV host and New York Times bestselling author of Conservative Victory.
“I have never met anyone who knows the subject of personal finance as well as Ray Lucia…. On the subject of how to deploy your savings so that at the end of the day you are well taken care of, safe, and secure, there is simply no one who is quite at the level of Ray Lucia.” – BEN STEIN bestselling author, actor, and economist.
In an intriguing, new retirement resource, The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life, author Raymond Lucia outlines his effortless, time tested method that will liberate and protect your retirement plan with strategies on adjusting to the shifting economic landscape.
The Buckets of Money® technique is simple: You match your assets to your liabilities.
It’s time to change your investment strategy, but many ask the question, change it to what? Based on the science of money rather than the art of speculation, The Buckets of Money® Retirement Solution provides you with the answers.
After the recent economic meltdown, many workers, especially those nearing retirement, have lost confidence in their capability to support a financially secure retirement. It is common for those approaching retirement to assume they will have enough money to live on for the rest of their lives, but when issues such as economic catastrophes soak up one’s money supply, many have to cut back significantly on their standard of living or return to the workforce just to survive. But this doesn’t have to happen to you!
If you need income today, that’s a short-term liability that requires short-term assets, such as CDs and Treasury Bills, in Bucket No.1. If you want inflation-indexed income tomorrow, that’s a mid-term liability requiring a match of mid-term assets, such as bonds and types of annuities, in Bucket No.2. If you want your pennies to grow over the long run, that’s a long-term liability to be funded with long-term assets, such as stocks and real estate, in Bucket No.3.
Filled with real life examples and a self assessment that helps readers evaluate their investing style to create the right buckets for them, The Buckets of Money Retirement Solutions demonstrates how to:
- Regain your balance in this ever-changing financial landscape, as well as how to prepare for whatever the economic future holds
- Choose the proper investments and execute The Buckets of Money® plan for income, safety, and growth
- Create a workable withdrawal strategy once your plan is in place and working
- And more!
To win at the retirement game, you need to know your financial goals, divvy up your money accordingly, and then invest wisely. With this book as your guide, you’ll learn how to attain both income and growth, while reducing risk!
About the Authors:
Raymond J. Lucia, CFP, (San Diego, CA) is one of the nation’s leading experts in the field of financial and business management. He is the President and founder of the Raymond J. Lucia Companies, Inc., headquartered in San Diego, CA. managing over $500 million in assets. As a Certified Financial Planner®, Lucia has assisted thousands of people invest more than $2 billion using his famous Buckets of Money® retirement strategy over the course of his 36-year profession in the financial services industry. He has a radio show, “The Ray Lucia Show,” that is heard in over 60 markets across the country and is a recurrent guest on Fox News, Fox Business, CNBC, and The Today Show. He has been labeled as “A rising star in talk radio,” listed as one of the top 100 most important radio talk show hosts in America by Talkers Magazine, and was named of the “10 Best Brokers in America” by Registered Rep. Magazine. Lucia also works as a local business editor on TV stations in his hometown of San Diego and is author of Buckets of Money: How to Retire in Comfort and Safety(Wiley).