The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life

Raymond Lucia′s The Buckets of Money® Retirement Solution
"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
"If Albert Einstein were alive, he might have invented something as good as or better than Buckets of Money®. He′s not, so I think this is one of the best things you can do."—Ben Stein, economist
"Buckets of Money® is the most useful and comprehensive guide to retirement I have ever read."—Neil Cavuto, Fox Business News
"The simple truth is that Ray Lucia probably knows more about retirement planning than anyone on the planet. For anyone who wonders how he or she is going to pay for retirement, The Buckets of Money® Retirement Solution comes just in time. As the Zen master said, ′The answer is in your hands.′ "—Phil DeMuth, coauthor of The Little Book of Bulletproof Investing
"Ray Lucia′s strategies of bucketizing your money have proven to be effective and easy to implement, no matter if the economy and market are soaring or plunging. This book gives you the road map you need to bucketize your money and to be able to ignore all the harmful noise that makes it difficult for most investors to succeed."—Jordan E. Goodman, "America′s Money Answers Man" and author of Everyone′s Money Book
"If the past few years have tripped up your retirement plans, The Buckets of Money® Retirement Solution provides a time–tested, commonsense approach to help you regain your balance and get your investments back on solid footing."—Brent Burns, President, Asset Dedication
"Many financial books are either too technical or too simplistic, but Ray manages to walk the delicate line to achieve the best of both approaches. He backs everything up with statistics and facts. But he writes in such a conversational, breezy manner that you get the concept without really having to work at it. Wall Street hopes you will not read this book."—Stephen J. Huxley, PhD, Professor of Finance and Quantitative Analytics,University of San Francisco

Spis treści:
Forword by Ben Stein.
Acknowledgments.
Introduction.
Part I: Regain Your Balance.
Chapter 1: Adapt to the Changing Landscape.
The End of Easy.
The Lessons.
A Final Word.
Chapter 2: Prepare for Whatever the Future Holds.
Rebuild Your Savings.
Rethink Your Retirement Years.
Retool Your Retirement Savings Plans.
Reinvent Your Strategy.
A Final Word.
Part II: Forge a New Plan.
Chapter 3: Grasp the Buckets of Money Concept.
Put Time on Your Side.
Other Risks.
Wall Street′s Answer.
Flawed Analyses.
Main Street′s Myopia.
"Reverse Dollar–Cost Averaging."
Proper Allocation.
Proper Location.
A Final Word.
Chapter 4: Choose the Proper Investments.
Bucket 1: The Income Bucket.
Bucket 2: The Relative Safety Bucket, Mid–term Investments.
Bucket 3: The Growth Bucket, Long–Term Investments.
A Final Word.
Chapter 5: Execute the Buckets of Money Strategy.
First, Check Goals.
Art and Science.
Filling the Buckets.
Bucket 1.
Bucket 3A.
Planning for Inflation.
Bucket 3B.
The Bottom Line.
The Fate of the Heirs.
Another Scenario.
How Much Risk?
How to Allocate.
The Importance of Bucketizing Now.
A Final Word.
Part III: Refine the Plan
Chapter 6: Take Another Look at Annuities
What′s an Annuity?
Predicting the Future.
Good Evidence.
What Academia Says.
Recovery Strategy.
Risks and Opp ortunities.
A Final Word.
Chapter 7: See What REITs Can Do for You
What Exactly Is a REIT?
Combining the Best Features.
Public versus Nontraded REITs.
Another Advantage.
The Lowdown of Loads.
Are All REITs Low–Leveraged?
What Kinds of Properties Are Best?
Differs from Homes.
The Role of REITs In a Portfolio.
What Should You Look For?
Getting Help.
My Personal Bias.
A Final Word.
Chapter 8: Play It Smart When It Comes to Personally Owned Real Estate.
Your Home and Your Future.
Buying Other Real Estate.
A Final Word.
Chapter 9: Give Uncle Sam His Fair Share—But No More.
Tax–Free Municipal Bonds.
Tax Management of Stock Portfolios.
Real Estate.
Roth Conversion.
Incorporating Your Business.
Tax–Credit Investing.
Choosing Smart Location of Assets
A Final Word.
Part IV: Live Happily Ever After.
Chapter 10: Craft a Workable Withdrawal Strategy.
Beware of Averages
Pitfalls Abound.
Getting Set Up.
Drawing Down Your Total.
Retirement Resources.
Keeping Taxes Low.
A Few More Thoughts about Stocks.
A Final Word.
Epilogue: Keep Your Eye on Enjoyment.
About the Authors.
Recommended Resources.
Index.

Nota biograficzna:
RAYMOND J. LUCIA is one of the nation′s leading authorities on financial, tax, and retirement planning. Over the course of his 36–year career in the financial services industry, Lucia, a Certified Financial Planner®, has helped thousands of people invest more than $2 billion using his renowned Buckets of Money® retirement strategy. Registered Rep. magazine named Lucia one of the "10 Best Brokers in America." Lucia is the host of the nationally syndicated Ray Lucia Show on Business TalkRadio Network, and is a frequent guest on Fox News, Fox Business, CNBC, and the Today show. He is also a local business editor o n TV stations in his hometown of San Diego.
DALE FETHERLING has written or coauthored more than fifteen nonfiction books, and has also taught writing and editing at five colleges and universities.

Okładka tylna:
Raymond Lucia′s The Buckets of Money® Retirement Solution
"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
"If Albert Einstein were alive, he might have invented something as good as or better than Buckets of Money®. He′s not, so I think this is one of the best things you can do."—Ben Stein, economist
"Buckets of Money® is the most useful and comprehensive guide to retirement I have ever read."—Neil Cavuto, Fox Business News
"The simple truth is that Ray Lucia probably knows more about retirement planning than anyone on the planet. For anyone who wonders how he or she is going to pay for retirement, The Buckets of Money® Retirement Solution comes just in time. As the Zen master said, ′The answer is in your hands.′ "—Phil DeMuth, coauthor of The Little Book of Bulletproof Investing
"Ray Lucia′s strategies of bucketizing your money have proven to be effective and easy to implement, no matter if the economy and market are soaring or plunging. This book gives you the road map you need to bucketize your money and to be able to ignore all the harmful noise that makes it difficult for most investors to succeed."—Jordan E. Goodman, "America′s Money Answers Man" and author of Everyone′s Money Book
"If the past few years have tripped up your retirement plans, The Buckets of Money® Retirement Solution provides a time–tested, commonsense approach to help you regain your balance and get your investments back on solid footing."—Brent Burns, President, Asset Dedication
"Many financial books are either too technical or too simplistic, but Ray manages to walk the delicate line to achieve the best of both approaches. He backs everything up with statistics and facts. But he writes in such a conversational, breezy manner that you get the concept without really having to work at it. Wall Street hopes you will not read this book."—Stephen J. Huxley, PhD, Professor of Finance and Quantitative Analytics,University of San Francisco