Articles and Videos

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.

Bucket Strategy Investing

Allocation Changes Over Time

December 5, 2017

As you get get closer to retirement, you’ll want your portfolio to be less volatile and diversified to protect against the big downswings that may happen.

Market Commentary

2017 Third Quarter Market Update and Investment Commentary

November 9, 2017

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.

Life Planning

Open Enrollment for the Affordable Care Act

October 26, 2017

Open Enrollment time for the health insurance marketplaces starts on November 1. This means that individuals and their families will have a short window of time to apply for new health insurance, or to switch to a different health care plan in the marketplace under the Affordable Care Act.

Lucia Capital Group Weekly

Qualified Charitable Contributions

October 12, 2017

Here’s a little known piece of advice: Qualified Charitable Contributions allow you to make charitable contributions directly from your IRA to qualified public charities, where the amount is excluded from your income. They can also satisfy an upcoming RMD.

Lucia Capital Group Weekly

A Little-Known Secret of RMDs

October 5, 2017

As the end of the year slowly approaches, remember you still have time to make sure that your 2017 Required Minimum Distribution is satisfied. If you don’t take out the required minimum on time, you’ll pay an extra penalty tax of 50 percent of the amount that you missed. If you don’t need the money from your IRA or other retirement accounts, there’s nothing you can do about having to take your minimum distributions. But if your concern is that you don’t want to sell the securities in those accounts to meet the RMDs because you believe it’s a bad time to sell them, I’m going to let you in on a little-known secret: you can take what’s called an “in-kind distribution” from your retirement plan.

Lucia Capital Group Weekly

The Two Five-Year Roth Rules

September 28, 2017

Roth IRAs have certain stipulations associated with them to make sure their tax-favored status isn’t abused. In particular, there are two different five-year rules that are attached to Roth accounts that you need to be aware of.

Life Planning

The Five Intangibles of a Financial Advisor

September 21, 2017

Good financial planning decisions go far beyond how and where you invest – they can potentially enhance your lifetime standard of living. It’s important to understand that, because success may not always equal a higher portfolio return in the short term. Here are five intangible ways that a financial advisor can potentially add value to you.