Most investors spend too much time trying to outguess the market and not enough time thinking about their long-term financial futures. That's why today's retirees (and soon-to-be retirees) need strategies, not stock tips. Nationally recognized Certified Financial Planner®, radio talk-show personality, and author Raymond J. Lucia shows you little-known concepts that can fatten your savings and boost your standard of living in retirement. In an easy-to-understand and often humorous style, Lucia details how ideas such as nontraded real estate investment trusts, 72(t) elections, and equity-indexed annuities can give you, the investor, a leg up on the path to retiring in comfort and safety. Lucia brings his 30 years of experience to bear in revealing how and when to tap your retirement plans, ways to use your home as a source of retirement dollars, and how to lower taxes on appreciated company stock. He'll also explain how investing in low-income housing tax credits can help you tax-wise even as you assist others. Filled with hands-on, in-depth insights and practical advice, this book will give you all the tools you need to win at the retirement game.
Ready...Set...Retire!
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About the Author
Raymond J. Lucia, Sr., Certified Financial Planner®, is a nationally recognized expert in financial and business management. He's president and founder of the Raymond J. Lucia Companies, Inc., which oversees more than $1 billion in invested assets. Host of the nationally syndicated radio program ' The Ray Lucia Show,' and author of the acclaimed book 'Buckets of Money: How to Retire in Comfort and Safety' ®, he's been called a 'rising star in talk radio.' Out of more than 250,000 registered representatives, he was named 'One of the Ten Best Brokers in America in 2004" by 'Registered Rep.' magazine. Ray appears frequently on shows such as ' Your World with Neil Cavuto, Forbes on Fox, Cashin' '' In, Cavuto On Business' and 'The Wall Street Journal Report with Maria' 'Bartiromo. ' He is currently presenting retirement seminars nationwide. Dale Fetherling has written or co-authored more than a dozen nonfiction books and taught writing and editing at five colleges and universities.
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Amazon.com:
4.2 out of 5 stars
20 reviews
30 of 33 people found the following review helpful
1.0 out of 5 stars
Buckets strategy does not work perfectly, nor does his business strategy
Feb 3 2009
By lansford
- Published on Amazon.com
Format:Paperback
I saw Mr. Lucia do a presentation in 2003 and retired with his office. He placed my money in a buckets strategy. Bucket one was a single premium immediate annuity, bucket two was a seven year indexed annuity from ING, and bucket three was a managed account from SEI. Bucket two was supposed to grow and replenish bucket one but the growth was not as expected. No problem he said, we will add a nonliquid REIT to your third bucket and start taking some of income from the reit. Then he ended the relationship with the rep in my town and the RJL office was closed. Doing more research I have found that he has consistently increased the length of his bucket strategy. This to me means it is not working as expected. Obviously his business strategy has not worked if he has closed offices around the nation. My advice, find a financial advisor that does not spend a ton of money marketing and uses a time tested strategy, not some fadish marketing scheme.
11 of 11 people found the following review helpful
3.0 out of 5 stars
Basic asset allocation strategy
Jan 9 2009
By F. Nason
- Published on Amazon.com
Format:Hardcover
Lucia's 'buckets of money' strategy is a good starting point for investors or for those over 45 who are contemplating their retirement and don't want to do a lot of thinking.
Some of the advice he dispenses in the book and his nationally syndicated radio program are, in my opinion, some tired bromides regarding diversification. If you followed his advice a couple of years ago your portfolio would be down about 40% right now (early 2009) and could continue to decline during the coming year or two.
Some of the 'studies' he likes to quote to prove his points are just plain bogus because they rely upon the idea that the future will be just like the past.
Some of the advice he dispenses in the book and his nationally syndicated radio program are, in my opinion, some tired bromides regarding diversification. If you followed his advice a couple of years ago your portfolio would be down about 40% right now (early 2009) and could continue to decline during the coming year or two.
Some of the 'studies' he likes to quote to prove his points are just plain bogus because they rely upon the idea that the future will be just like the past.
12 of 14 people found the following review helpful
5.0 out of 5 stars
Ready,Set,Retire
April 2 2007
By Edward B. Colbaugh
- Published on Amazon.com
Format:Hardcover
I have been a Registered Investment Advisor and securities licensed. I have never read a financial book that is so clear and comprehensive on asset allocation. This book is a must for those that have a nest egg and wonder what they are going to do with their money when they retire. It
explains how to get a stream of income and growth at the same time.
explains how to get a stream of income and growth at the same time.
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4.2 out of 5 stars
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