'Many people head into retirement assuming they will have enough money to live on for the rest of their lives. But when issues such as inflation and taxes come into play, their financial cushion can become so thin that they may have to cut back drastically on their standard of living or go back to work just to survive. Don’t let this happen to you!

Nationally recognized Certified Financial PlannerTM and radio personality Ray Lucia has helped thousands of people improve their financial lives over his thirty-year career–and now, he has transformed these experiences into a program that will allow you to enjoy a comfortable retirement without worrying about your money running out. In Buckets of Money®: How toRetire in Comfort and Safety, Lucia provides you with a smart and conservative way to protect and grow your nest egg. With this book as your guide, you’ll learn how to achieve both income and growth, while reducing risk.

In an easy-to-understand and accessible style, Lucia outlines his proven "Buckets of Money" technique. The concept behind Buckets of Money is amazingly simple. You match your assets to your liabilities. If you need income today, that’s a short-term liability (Bucket No. 1) that requires short-term assets, such as CDs and Treasury Bills. If you want inflation-indexed income tomorrow, that’s a mid-term liability requiring a match of mid-term assets, such as bonds and certain kinds of annuities, in Bucket No. 2. If you want your money 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. Because you’re buying time with the income from Buckets Nos. 1 and 2, your Bucket No. 3 can grow without the worry of market volatility. Using many examples of "Buckets" in action, Lucia details the investments that are best for each Bucket and illustrates how to modify the Buckets system as your situation changes.

Buckets of Money also includes a self-assessment test to determine your investing style and a worksheet that allows you to experiment with different dollar amounts, time periods, rates of return, and inflation so you can estimate what to realistically expect from your portfolio.

To win at the retirement game, you need to know your financial goals, divvy up your money accordingly, and then invest intelligently. Although there is no such thing as a "risk-free" investment, Buckets of Money offers a technique that will put you on the right track to a more secure retirement–regardless of your age, income, net worth, or investment experience. '

A proven way to financially prepare for retirement

Are you wondering if you can make your retirement savings last?

Concerned about inflation reducing your purchasing power?

Worried about the stock market’s violent swings?

In Buckets of Money: How to Retire in Comfort and Safety, nationally recognized Certified Financial PlannerTM and radio personality Ray Lucia offers you a smart and conservative way to protect and grow your nest egg–so you can enjoy a comfortable retirement without worrying about your money running out.

Developed by Lucia over his thirty-year career as a financial planner, the "Buckets of Money" technique is a proven way to achieve both income and growth, while guarding against the ravages of inflation. Buckets of Money is filled with in-depth insights and practical advice that will help you assess your retirement situation, save the money you need to last your entire lifetime, and adjust your plan to good times and bad.

Regardless of your age, income, net worth, or investment experience, you need to have a solid plan for your retirement years. Buckets of Money provides you with such a plan, and shows you the best way to implement it.

RAYMOND J. LUCIA, CFP®,is a nationally renowned expert in the field of financial and business management. He is the President and founder of Raymond J. Lucia Companies, Inc., which manages over $500 million in assets. Ray’s radio show, The Ray Lucia Show, is heard in over sixty markets across the country. He has been called "A rising star in talk radio," and listed as one of the top 100 most important radio talk show hosts in America by Talkers magazine.

'Preface.

Part I: Introducing theBuckets.

Chapter 1: Everybody’s Got an Investment Idea—But Is It a GoodIdea?

Chapter 2: Why Your Grandmother Was Right After All!

Part II: Understanding theBuckets.

Chapter 3: What Kind of Investor Are You?

Chapter 4: Buckets:The Simple, Yet Proven, System.

Part III: Filling theBuckets.

Chapter 5: The First Bucket: Consistent, Sometimes Guaranteed, and Potentially Tax-Favored Income.

Chapter 6: The Second Bucket: A Conservative Cache for Inflation-Indexed Income Later.

Chapter 7: The Third Bucket: Investing for Long-Term Growth.

Part IV:BucketizingYour Life.

Chapter 8: Getting Your BucketsAll Lined Up.

Chapter 9: Managing Your Bucketsin Good Times and Bad.

Chapter 10: Repairing the ‘Hole’s in Your Bucket.

Chapter 11: BucketizingMy Life.

Part V: Living Happily Ever After As aBucketeer.

Chapter 12: Finding the Right Financial Planner.

Chapter 13: 10 More Steps You Could Take to Help Bulletproof Your Retirement.

Chapter 14: Enjoying Life As a Bucketeer.

Appendix A: Recommended Books.

Appendix B: Helpful Online Sites.

Glossary.

About the Author.

Index. \n

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