Articles and Videos

Lucia Capital Group Weekly

Are You Drowning in Financial Documents?

October 17, 2018

Do you want to know how to make your life a bit simpler, more organized, and easier for your family to deal with once you’re no longer around? Here’s an idea: start ditching some of those unnecessary financial documents taking up space.

Lucia Capital Group Weekly

A Better Time to Take Your Required Minimum Distributions

October 11, 2018

During the year you turn 70 ½, you have to begin paying taxes on a certain portion of your tax-deferred retirement accounts, your Required Minimum Distributions (RMDs). The penalty for not distributing at least the minimum is a big one: 50% of the shortfall. Since you’re obliged by tax law to remove this money from its pre-tax status and move it to the post-tax world, when should you consider taking it?

Insurance

Long-Term Care Insurance Linked-Benefit Plans

October 9, 2018

We are excited to announce the release of our 2017 third quarter market commentary and investment update. Join Ray Lucia Jr. and the investment team as they share their thoughts on the markets, the economy, and what it means for your money.

Insurance

Saying Goodbye to “Use It or Lose It” Long-Term Care Insurance

October 3, 2018

Two things are happening with long‐term care: the costs of care keep going up, and along with it, so do the premiums for long-term care insurance. And did you know that your premiums can rise, even though you’ve already got a policy in force?

Lucia Capital Group Weekly

Is Now a Good Time to Convert Your Roth IRA?

July 19, 2018

The new tax law passed last year created some generally lower tax rates that are set to expire at the end of 2025. Now may be a good time to take advantage of this window to do Roth conversions before tax rates potentially go back up to 2017 levels or higher.

News and Press

Lucia Capital Group Announces New Investment Advice Subscription Service

July 16, 2018

New Service, ClickGoals, Expected to Launch Fall 2018 National wealth management firm Lucia Capital Group today announced its forthcoming subscription service, ClickGoals, which will offer financial planning advice and investment management services at a range of prices reflecting investors’ service requirements. In an effort to better serve an ever-widening range of client needs, the new… View Article

Investing and Personal Finance

What Does It Take to Be Wealthy?

July 11, 2018

If you were to ask people what their personal definition of “wealth” is, you’d probably get a different answer from just about everyone. You might think that “having lots of money” would be the standard definition, but according to a survey for the Modern Wealth Index from Charles Schwab, only 11% gave that answer.

Articles

Have You Seen Us on Television?

June 15, 2018

In April 2018, we began airing 15-second television spots Monday through Friday on several San Diego stations, including Fox 5, NBC 7 KNSD, ABC 10 KGTV, and The CW 6. We launched our campaign with six different commercials, and we’re currently up to 15—with more to follow shortly. We plan to take this same campaign… View Article

Lucia Capital Group Weekly

Introducing Your Personal Financial Dashboard

May 24, 2018

Here at Lucia Capital Group, we continually strive to deliver enhanced services to you. We have been working diligently behind the scenes, setting up our client accounts on a new wealth management platform that will give our financial advisors more capabilities when illustrating our advice to you and your family.

Bucket Strategy Investing

What is Market Volatility?

February 1, 2018

Simply put, stock market volatility is the movement in price, or the upward and downward movement of price.

Bucket Strategy Investing

The 4% Retirement Rule

December 6, 2017

You’ve heard of this whole four percent rule which says you shouldn’t take more than four percent of your portfolio. And in some cases, some people have narrowed it down to somewhere in between two and three percent. However, there may be a circumstance where you can take not just a little more than four percent but a lot more than four percent, and coordinate this with your Social Security strategy. So let’s go over this hypothetical scenario.

Bucket Strategy Investing

How Money Managers Manage the Volatility in a Portfolio

December 5, 2017

You don’t have one allocation. You have different allocations for different time sets. When you have money that you need to withdraw in the next 5 or 10 years that may be one allocation.