Many people head into retirement assuming they will have enough money to live on for the rest of their lives. But when issues such economic disaster come into play, their financial cushion can become so thin that they may have to cut back drastically on their standard of living or go back to work just to survive. Don't let this happen to you!It's time to discard the old strategies and get a new one. Protect Your Buckets of Money provides you with the tips and tools to adapt to the changing landscape and find long-term financial stability.In an easy-to-understand and accessible style, Lucia outlines his proven "Buckets of Money" technique. The concept behind Buckets of Money is amazingly simple. You match your assets to your liabilities. If you need income today, that's a short-term liability (Bucket No. 1) that requires short-term assets, such as CDs and Treasury Bills. If you want inflation-indexed income tomorrow, that's a mid-term liability requiring a match of mid-term assets, such as bonds and certain kinds of annuities, in Bucket No. 2. If you want your money to grow over the long run, that's a long-term liability to be funded with long-term assets, such as stocks and real estate, in Bucket No. 3.To win at the retirement game, you need to know your financial goals, divvy up your money accordingly, and then invest intelligently. With this book as your guide, you'll learn how to achieve both income and growth, while reducing risk.

RAYMOND J. LUCIA is one of the nation's leading authorities on financial, tax, and retirement planning. Over the course of his 36-year career in the financial services industry, Lucia, a Certified Financial Planner, has helped thousands of people invest more than $2 billion using his renowned Buckets of Money retirement strategy. Registered Rep. magazine named Lucia one of the "10 Best Brokers in America." Lucia is the host of the nationally syndicated Ray Lucia Show on Business TalkRadio Network, and is a frequent guest on Fox News, Fox Business, CNBC, and the Today show. He is also a local business editor on TV stations in his hometown of San Diego.

DALE FETHERLING has written or coauthored more than fifteen nonfiction books, and has also taught writing and editing at five colleges and universities.