Book Description: Investors, shell-shocked by the āGreat Recessionā of 2008-2009, are looking for answers, for something fresher than the old ābuy-and-holdā mantra. They hunger for stability, yet yearn for growth to rejuvenate their battered portfolios.Ray Luciaās The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life provides just thatāa reassuring and scientifically proven strategy that gives investors both growth and income.Lucia, a Certified Financial Planner whoās helped thousands of people invest more than $2 billion, explains how to spend down āsafeā buckets (containing, for example, Treasuries, CDs, bonds), while leaving a riskier bucket (real estate, stocks and alternative investments) to grow long-term. This strategy shields investors from the short-term ups and downs of the market. And it gives them the courage and discipline to stay invested no matter what the future holds.Written in a breezy, accessible style and loaded with tons of examples and clear, specific calculations, the book explains how to set your financial goals, divvy up your money accordingly, and then invest intelligently. With this book as your guide, readers will learn how to achieve both income and growth while at the same time reducing risk. āAll in all,ā Lucia writes, āthis plan is akin to a sports car that seats six, approximating the best of both worlds. In this case by being a conservative strategy thatās also growth-oriented.āAlmost every kind of investmentāstocks, bonds, commodities, real estateāplunged in the past year or two, turning off millions of investors whoād been planning for and counting on a reasonably comfortable retirement. These retirees or near-retirees need solutionsā¦something fresher than the old ābuy-and-holdā mantra. Yet hereās what they hear from the financial-services industry: Set up an asset-allocation model, then take a systematic withdrawal to support your retirementā¦remembering, of course, to rebalance the accounts to remain in sync with the model. Wrong! That maximizes the advisorsā fees but doesnāt protect the investorsā assets during the tough times.