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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.

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 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

How Do You Know When You Can Retire?- Season 5: Episode 8
Managing Your Financial Future

How Do You Know When You Can Retire?- Season 5: Episode 8

April 20, 2021

If you’ve been planning on working until a certain age (62? 65? later?), but you find that you are a) overwhelmed by stress at work, and b) a number of years short of that “required” age, are you still able to retire? This is a question that financial advisors and planners deal with every day. How do you know when you’re really able to hang it all up? Maybe your portfolio balance hasn’t reached the number you’ve always figured was the minimum amount you’d need. There’s a chance, given certain generous tax laws and some basic strategy techniques, that you may be able to retire well before you thought you could.
Advice for Those Who Want Financial Success – Interview with Craig Israelsen -Season 1: Episode 9
Capitalize

Advice for Those Who Want Financial Success – Interview with Craig Israelsen -Season 1: Episode 9

April 19, 2021

What’s the most important piece of advice for those that want financial success?  As we continue the interview with Craig Israelsen, founder of the “Seven-12 portfolio,” our own Christopher Panagiotu, CFP®, CRPS® talks about what Craig would say to those who have a vested interest in achieving their own financial goals.  What is low correlation?  Why is it valuable?   Educating you on the important topics of the day – and more – on this week’s edition of CAPitalize, the podcast for the intelligent investor!
What Is an “Alternative” Investment?
Articles

What Is an “Alternative” Investment?

April 16, 2021

Diversification is not just a financial industry buzzword; it’s often an important part of just about anyone’s financial strategy.  A common form is a simple one: stocks, bonds, and cash.  But is that true diversification?  For some people, that may work just fine.  Others, though, may want to consider a little extra: something known as an “alternative investment.” Whether these are suitable for an individual investor, though, depends on several factors.  So before you jump into anything non-traditional, it’s a good idea to know what you’re getting into and why.