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Gain clarity regarding your financial future.

Receive a personal financial dashboard tailored to your specific goals.

Stay on track to meet your goals.

Get financial guidance and advice from a team of seasoned professionals.

Enjoy a personalized investing experience.

Benefit from a wide array of investment options aligning with your unique needs.

The future is uncertain

Every day we're reminded of the challenges of an uncertain future. Early on, these challenges may seem far away—but they'll catch up to you before you know it. Take control of your future today.

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10x

The multiplier for how much riskier retiring is today than it was just 10 years ago.

Are you prepared?
Source: Kiplinger
$275,000

The amount a 65-year-old couple may need to cover medical expenses throughout retirement.

What’s your plan?
Source: Fidelity
40%

The percentage of Generation Xers and millennials who have no retirement strategy.

Get started today!
Source: CNBC

We understand

Managing your financial future doesn’t have to be overwhelming.

Together, we'll craft a personalized strategy to help you reach your financial goals. As your fiduciary, the only factor driving our recommendations is what we believe fits your specific situation.

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Financial planning and investment management

Financial services to help you and the ones you love most

We are entirely focused on you

Our company, our advisory teams, and our investment portfolios were built with you in mind.

First, we'll design a strategy aimed at helping you reach your unique goals. Then we'll find suitable investments to match your objectives. We make decisions with your well-being in mind—not our compensation.

As a client of Lucia Capital Group, you'll have access to our dedicated team of CERTIFIED FINANCIAL PLANNER™ professionals and Chartered Financial Consultants as well as our in-house investment team. Think of us as your financial coach; we'll help you design a game plan, provide investment recommendations, and implement your strategy. Behind the scenes, our dedicated team of investment management professionals and CFAs will actively manage your portfolio using our disciplined processes.

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Your Future... Managed Holistic Financial Planning Process Credentialed, Experienced Advisory Team The Bucket Strategy® Retirement Income Plan Professonal Investment Management and Access to Investment Options Experience with Income Annuities Planning for Tax Efficiency in Retirement Insurance and Long-Term Care Periodic Reviews to Help Keep You on Track
CFP® Advisors

Attain peace of mind and
achieve your life's purpose

Ray Lucia Jr., chairman and CEO of Lucia Capital Group, talks about what it's like to be a client. Here are just some of the benefits you'll enjoy as a client of our firm:

  • A dedicated financial advisor
  • A personal financial dashboard
  • A team of credentialed and experienced professionals working on your behalf
  • Independent investment advisory and brokerage services
  • A personalized investing experience
  • Help with anything from wealth accumulation to wealth distribution and estate planning
  • Ongoing financial education
  • Periodic meetings and reviews
Get Started Today
Your Future. Managed.

Gain control of your financial future

Get started in three easy steps

Step 1: Schedule Your Appointment

Schedule your appointment

You'll start by setting up an appointment with one of our financial advisors. With offices nationwide, we make it easy to get in touch with someone to discuss your retirement planning goals.

Step 2: Personalized Financial Strategy

Personalize your strategy

When do you plan to start retirement? Will you continue to work? We’ll discuss all of the challenges you may face in retirement, because achieving your goals begins with personalized planning.

Step 3: Your Future. Managed.

Realize your future. Managed.

Planning for your retirement shouldn’t be a guessing game. If you're like many, you want a sense of direction and assurance in your ability to meet your goals. You need a plan that uses a sound strategy, balances risks, and addresses your upcoming challenges.

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Retirement planning starts with education

View our full range of on-demand videos, articles, and live events dedicated to helping you understand financial planning and investing

New Articles

Turn Your Roth IRA Into a Super-Roth
Lucia Capital Group Weekly

Turn Your Roth IRA Into a Super-Roth

November 14, 2019

Roth IRAs can be wonderful savings instruments for people looking for tax-free growth potential. But because a Roth IRA is (of course) an IRA, that means you’re stuck with the relatively low IRA contribution limits of $6,000 (or $7,000 if you’re at least age 50). A 401(k) plan, though, has much higher contribution limits at $19,000 (or $25,000 age 50+). Further, some employers also allow for after-tax contributions to their 401(k) plan, meaning that you could potentially contribute up to $62,000 to your company retirement plan, depending on your age and some other factors. These higher deferral limits may offer you the rare opportunity to eventually roll all of your post-tax money from your 401(k) into your Roth IRA – WITHOUT having to do so on a pre-tax/post-tax pro-rata basis.

Why Your Home May Be Your Best Tax Friend
Lucia Capital Group Weekly

Why Your Home May Be Your Best Tax Friend

November 7, 2019

So have you thought recently about selling your home? If so, you might be selling at a good time.  The Case-Shiller US National Home Price Index tells us that the average price of homes across the country has gone up about 56 percent since its most recent low level back in February of 2012.  For some people in certain housing markets, that adds up to a lot of gain, especially if they’ve owned their primary home for the past seven years or more. But you might also be concerned that you’ll have to pay a bunch of taxes when you sell because your home has gone up so much in value.  Well, there may be some good news for you.  You may be able to keep most – if not all – of the money you get from the sale of your home.
Why Millennials Prefer to Rent Instead of Own
Lucia Capital Group Weekly

Why Millennials Prefer to Rent Instead of Own

October 31, 2019

The Millennial generation is facing some unique challenges in life, and how those challenges are shaping their overall financial picture. One of the big things that Millennials are not doing, is buying a home. And it’s not necessarily because they can’t afford to buy one (although that does factor in for some of them); instead, they’re just choosing to rent. So what’s going on here? Are they just giving up on the American Dream of owning a home with a white picket fence, and two cats in the yard?