Articles and Videos

Why the Wrong Withdrawal Strategy Can Be Disastrous – Episode 199

Learn how to sustain your nest egg in retirement with smart withdrawal strategies from Johnny Dean and Rick Plum on Managing Your Financial Future

Let’s Do an Actual Bucket Strategy! – Episode 198

Learn how The Bucket Strategy® works as Johnny Dean and Rick Plum create a hypothetical plan on this week’s Managing Your Financial Future episode

Asset Location – The Hidden Gem of Tax Management – Episode 197

Discover how Asset Location strategy can reduce your tax burden on investments with Johnny Dean and Rick Plum on Managing Your Financial Future.

How Much Can You “Safely” Withdraw From Your Portfolio? – Episode 196

Learn how to determine a safe withdrawal rate from your retirement savings with Johnny Dean and Rick Plum on Managing Your Financial Future.

Do Not Confuse Volatility With Risk! – Episode 195

Understand the difference between market volatility and risk with Johnny Dean and Rick Plum on this week’s Managing Your Financial Future.

Lucia Capital Group on Preparing for Future Market Opportunities

Building Wealth vs. Keeping Wealth – Episode 194

Discover why your wealth accumulation and distribution strategies should differ, with insights from Johnny Dean and Rick Plum on Managing Your Financial Future.

Which Assets Belong in Each Bucket? – Episode 193

The Bucket Strategy® is both simple and complex. It’s simple in the sense that there’s a short-term, midterm, and long-term bucket, and maybe a couple of others, depending on your needs. The complexity begins when you need to determine which assets should go into which buckets. There are many things to consider: time frame, taxability, income needs, and available assets, to name a few. How do you determine what to put into each bucket? We’ll tackle that question today.

Is It Really Better to Own More Stocks in Retirement? – Episode 192

If stocks are inherently risky, and if you’re retired and you’re risk-averse, doesn’t it make sense to lessen your exposure to the stock market as you get older?  That’s the logic behind certain “rules of thumb” that say the older you are, the less money you should have in stocks. But that logic is faulty.  It assumes that everyone’s situation is the same, and, even worse, that people should be selling stocks in order to fund their short-term income needs.  It’s time to revisit this idea. Could it actually be better to own more stocks in retirement?

What’s the Best Age to Take Social Security Benefits? – Episode 191

Social Security retirement benefits are the bedrock of guaranteed income for most American retirees.  It forms the income basis that helps to build the rest of your portfolio’s withdrawal strategy.  So it makes sense to ask the question: at what age should I begin taking my retirement benefits? Everyone eligible for benefits has a “full retirement age” at which benefits may be paid out. You may also take them earlier and receive a reduced benefit, or you may take them later for an enhanced benefit.  Figuring out the “best” age to start those benefits depends on a number of factors and can be complicated. And that’s why we’re talking about it today!

Should You Pay Cash For a Home or Get a Mortgage? – Episode 189

Debating between paying cash or getting a mortgage for a home? Johnny Dean and Rick Plum discuss the best options on Managing Your Financial Future.