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Ready... Set... Retire!: Financial Strategies for the Rest of Your Life Paperback – Feb 15 2007
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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.
Most Helpful Customer Reviews on Amazon.com (beta)
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.
explains how to get a stream of income and growth at the same time.
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.
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.