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Ready... Set... Retire!: Financial Strategies for the Rest of Your Life [Paperback]

Raymond J. Lucia , Dale Fetherling

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Book Description

Feb. 15 2007 1401912079 978-1401912079 1
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.

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Product Details

  • Paperback: 240 pages
  • Publisher: Hay House; 1 edition (Feb. 15 2007)
  • Language: English
  • ISBN-10: 1401912079
  • ISBN-13: 978-1401912079
  • Product Dimensions: 23 x 16 x 1.8 cm
  • Shipping Weight: 454 g

Product Description

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.

Inside This Book (Learn More)
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Front Cover | Copyright | Table of Contents | Excerpt
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Customer Reviews

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Most Helpful Customer Reviews on Amazon.com (beta)
Amazon.com: 4.0 out of 5 stars  21 reviews
32 of 35 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.
13 of 15 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.
13 of 16 people found the following review helpful
5.0 out of 5 stars The Best Just Got Better !! May 12 2007
By Howard W. Schultheis - Published on Amazon.com
Format:Hardcover
Having read Ray's first book, "Buckets of Money, How to Retire in Comfort and Safety," I of course purchased this book. I loved the first book, but this one is even better. The "interview" format is ideal (book one was a bit more "textbook" like), and while strategies are of course repeated that were explained in book one, they were done in a way that only added to understanding.
For years I have have listened to Ray Lucia's call in show on the radio, downloaded the podcasts,and attended a couple of his seminars. Ray, along with his "Brain Trust" of a tax attorney (Rob Butterfied) and a certified financial planner ("Professor" Plum) are simply the best. Their show (and in this case book) is fact filled and highly!! entertaining, making the show and book a must. (My wife hates finance, but loves to listen to Ray) (they could go on the road as stand up financial advisor comics)...not an easy combo to pull off.
Anyone interested in a get rich quick, can't fail, instant money making strategy should avoid this book and the "Buckets of Money" Strategy altogether. Like to worry and look at the stock charts each day to see how your investments are doing? Don't buy this book.
Ray's philosophy is simple. Diversify and let the stock market do what it has always done...go up and down. If you diversify and hold stocks for abut 15 years, historically you should do quite well. This is basically bucket #3. Buckets number 1 and 2 are where you have money that is diversified in safer investment vehicles, that can be used to let bucket #3 grow.
Ray's new book delves into the "Buckets" strategy in great detail, and is a compliment to his first book. For those who are fans of Ray and the "Brain Trust," this book is a must have. For those who have yet to experience this down to earth investment philosopy, and who want to be able to know that they will do fine in retirement, buy this book. It is definitely not only for those about to retire. The earlier you become a "Bucketeer," the better.
22 of 29 people found the following review helpful
2.0 out of 5 stars Save your money. June 26 2007
By Alex S - Published on Amazon.com
Format:Hardcover|Verified Purchase
Disappointing. In short, this book is for people that simply do not want to be bothered with managing their own investments. It is really just a 200+ page sales pitch for Financial Advisers and, of course, annuities. It is not for the "Do it yourself" investor.

My advice: Save your money. Buy any book written by Jack Bogle, William Bernstein, Peter Bernstein, Rick Ferri, Taylor Larimore, or Larry Swedroe and you'll be far better off.

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