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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

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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
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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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Step 1: Schedule Your Appointment

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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

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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 to Set Up Bucket One- Season 7: Episode 5
Managing Your Financial Future

How to Set Up Bucket One- Season 7: Episode 5

October 12, 2021

The basic idea of a Buckets strategy involves taking portfolio distributions from a non-volatile source: what we call Bucket #1.  You never want to be in a position where you have to sell volatile assets (like stocks) to fund your short-term monthly expenses. But does this mean that you need to have several years’ worth of cash sitting around to make sure it’s there when you need it?  The short answer is no – you just need to “bucketize” the bucket. But how do you do that?  It’s not as simple as it seems.
CAPitalize Your Debt -Season 2: Episode 7
Capitalize

CAPitalize Your Debt -Season 2: Episode 7

October 11, 2021

For those who owe a lot of money to creditors, debt can seem like a really bad thing. And the bigger the debt, the worse the situation. And for those on the other side of the spectrum, those who are essentially debt-free, life can certainly seem a lot easier, at least financially speaking. There’s no shortage of financial pundits who tell you how much better your life will be if you eliminate all of your debts. But is this really sound advice? Perhaps not. There may be some instances where debt can actually work in your favor.