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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

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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.

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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

Three Hidden Benefits of the Roth IRA
Articles

Three Hidden Benefits of the Roth IRA

March 5, 2021

Individual Retirement Accounts (IRAs) are designed to be used as savings vehicles for your retirement.  As an added incentive to save, they often come with distinct tax advantages, such as deductions, deferrals, or tax-free withdrawals.  There are also, in most cases, penalty taxes for removing your money from the account too early. With the Roth IRA, though, there are exceptions to this “penalty tax,” potentially allowing you to access your money before you would normally be allowed to do so.  How might you be able to benefit from that? 

The 3 Biggest Risks Facing Your Portfolio Today- Season 5: Episode 1
Managing Your Financial Future

The 3 Biggest Risks Facing Your Portfolio Today- Season 5: Episode 1

March 2, 2021

It’s a fact that retirees in general dislike spending down their savings.  In today’s low interest rate environment, and given declining dividend yields, how should one remove money from a portfolio for income without damaging the portfolio’s integrity and longevity? There are several possible routes to take, and unfortunately, many people may be tempted to reach for yield with either low-quality bond purchases or stocks with higher dividend yields.  But doing so almost certainly will raise the risk within a portfolio without any guarantee of higher returns.