Complete the form below to request a consultation with a Buckets of Money® advisor and to receive your personalized Buckets of Money® retirement analysis.
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Why You Need a Plan
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Frequently Asked Questions
Who is Ray Lucia?
Ray Lucia is a Certified Financial Planner with more than 35 years of financial services experience. He is also the host of the nationally syndicated radio talk show, The Ray Lucia Show. He is the author of several top selling financial books, including: "Buckets of Money: How to Retire in Comfort & Safety" and "Ready...Set...Retire! Financial Strategies for the Rest of Your Life." Ray has appeared on Fox News, The Today Show, Bloomberg, CNBC, Your World with Neil Cavuto, Forbes on Fox, Cashin’ In, Cavuto On Business, Bloomberg and Sean Hannity's radio program.
What is Buckets of Money®
Stripped to its simplest, here's the premise of the Buckets of Money®: You organize your investments into three main groupings, or "buckets"—and take almost all the risk in Bucket No. 3, largely with stocks and real estate. You live by spending down the first two, relatively "safe" buckets, which contain bonds, annuities, CDs and other such investments. Meanwhile, you don't touch that third bucket.
That way you "buy" time by having reliable sources of steady income in retirement while you allow your stocks and real estate to grow for 15 years or more, greatly reducing the risk that's inherent in stock-market investing. You'll no longer need to fret over the market's ups and downs because time is on your side.
What does a Buckets of Money retirement analysis cost?
There is no charge to prepare your customized Buckets of Money® retirement analysis. If you choose to implement your analysis with your Buckets of Money® advisor there may be associated fees with the underlying investments. Investment options vary from individual to individual. Associated investment fees may be fee-only/asset management fees, brokerage fees, or a combination of several options.
Our associated advisors are full disclosure. If you choose to implement your plan with your Buckets of Money® advisor he/she will thorougly explain each investment option, any associated fees, and alternative investment options.
Where are Buckets of Money® advisors located?
Buckets of Money® advisors are available to assist clients with their financial goals and retirement plans in offices and meeting locations across the country. Initial meetings may occur in person, over the phone, or via web conference/online meeting.
How are Buckets of Money® advisors trained?
All Buckets of Money® advisors are trained by Ray Lucia and his staff. All advisors are trained in plan design, implementation and monitoring. Many Buckets of Money® advisors hold advanced industry designations including: Certified Financial Planner™ (CFP®); Chartered Financial Consultant (ChFC); Certified Public Accountant (CPA); etc.
What is the process, what steps are involved, to receive a Buckets of Money® retirement analysis?
Step 1: Complete the initial interest request form on this website.
Step 2: We will forward you a Wealth Planning Worksheet.
Step 3: Complete and return the Wealth Planning Worksheet to our offices via email, mail or online form.
Step 4: A Buckets of Money® advisor will prepare an analysis showing how to allocate your portfolio for inflation adjusted income for life.
Step 5: A Buckets of Money® advisor will present your plan in person, over the phone, or via online conference. Your advisor will answer any questions that you may have and discuss suitable investment options that match the strategy outline in your analysis.
Step 6: You may choose to implement your Buckets of Money® strategy.