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

Ray Lucia's The Buckets of Money Retirement Solution: TheUltimate Guide to Income for Life provides just that—areassuring and scientifically proven strategy that gives investorsboth growth and income.

Lucia, a Certified Financial Planner who's helped thousands ofpeople 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 alternativeinvestments) to grow long-term. This strategy shields investorsfrom the short-term ups and downs of the market. And it gives themthe courage and discipline to stay invested no matter what thefuture holds.

Written in a breezy, accessible style and loaded with tons ofexamples and clear, specific calculations, the book explains how toset your financial goals, divvy up your money accordingly, and theninvest intelligently. With this book as your guide, readers willlearn how to achieve both income and growth while at the same timereducing risk. "All in all," Lucia writes, "this plan is akin to asports car that seats six, approximating the best of both worlds.In this case by being a conservative strategy that’s alsogrowth-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 andcounting on a reasonably comfortable retirement. These retirees ornear-retirees need solutions ... something fresher than the old'buy-and-hold' mantra. Yet here's what they hear from thefinancial-services industry: Set up an asset-allocation model, thentake a systematic withdrawal to support your retirement ...remembering, of course, to rebalance the accounts to remain in syncwith the model. Wrong! That maximizes the advisors' fees butdoesn't protect the investors' assets during the tough times.

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