The Buckets of Money Retirement Solution (PDF)

Investors, shell-shocked by the "Great Recession" of 2008-2009, are
looking for answers, for something fresher than the old
'buy-and-hold' mantra. They hunger for stability, yet yearn for
growth to rejuvenate their battered portfolios.

Ray Lucia's The Buckets of Money Retirement Solution: The
Ultimate Guide to Income for Life provides just that--a
reassuring and scientifically proven strategy that gives investors
both growth and income.

Lucia, a Certified Financial Planner who's helped thousands of
people invest more than $2 billion, explains how to spend down
'safe' buckets (containing, for example, Treasuries, CDs, bonds),
while leaving a riskier bucket (real estate, stocks and alternative
investments) to grow long-term. This strategy shields investors
from the short-term ups and downs of the market. And it gives them
the courage and discipline to stay invested no matter what the
future holds.

Written in a breezy, accessible style and loaded with tons of
examples and clear, specific calculations, the book explains how to
set your financial goals, divvy up your money accordingly, and then
invest intelligently. With this book as your guide, readers will
learn how to achieve both income and growth while at the same time
reducing risk. "All in all," Lucia writes, "this plan is akin to a
sports car that seats six, approximating the best of both worlds.
In this case by being a conservative strategy that's also
growth-oriented."

Almost every kind of investment--stocks, bonds,
commodities, real estate--plunged in the past year or two,
turning off millions of investors who'd been planning for and
counting on a reasonably comfortable retirement. These retirees or
near-retirees need solutions ... something fresher than the old
'buy-and-hold' mantra. Yet here's what they hear from the
financial-services industry: Set up an asset-allocation model, then
take a systematic withdrawal to support your retirement ...
remembering, of course, to rebalance the accounts to remain in sync
with the model. Wrong! That maximizes the advisors' fees but
doesn't protect the investors' assets during the tough times.