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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.

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Source: CNBC

We understand

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

Together, we'll craft a personalized strategy to help you work towards 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 pursue 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

Strive for financial confidence 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
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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 address 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

Why Naming Your Estate’s Beneficiaries Is Vital- Season 6: Episode 2
Managing Your Financial Future

Why Naming Your Estate’s Beneficiaries Is Vital- Season 6: Episode 2

June 15, 2021

Estate planning – it’s not just for the ultra rich! While many people don’t have estates that are large enough to warrant an estate tax (which, for married couples, is in excess of $23 million for 2021), there are other aspects of estate planning that most individuals should be aware of. The one that perhaps affects the most people is where beneficiaries are concerned. If you have assets that you want to go to specific people or certain organizations, it’s vital that you have your beneficiary assignments done correctly, even if you already have a will and a trust in place. What do you need to know about beneficiary assignments?  It’s all about making sure your assets go where you want them to go.
Are Annuities Good? Do You Actually Need Life Insurance? Interview with David Lau (Part 2) -Season 1: Episode 13
Capitalize

Are Annuities Good? Do You Actually Need Life Insurance? Interview with David Lau (Part 2) -Season 1: Episode 13

June 14, 2021

You may have heard that annuities are the greatest thing in finance. Or maybe you’ve heard that annuities aren’t right for anyone at all. The truth, though, lies somewhere in the middle: Annuities may be completely suitable for one individual, while another should never consider owning one. In today’s interview, Christoper Panagiotu, CFP®, CRPS®, talks about the good and bad of annuities, and brings up the question of whether life insurance is actually needed — or not — in part 2 of our interview with David Lau, founder and CEO of DPL Financial Partners.