Articles and Videos

Lucia Capital Group Weekly

3 Ways to Take Care of Your Finances During the Pandemic

April 16, 2020

If there’s one thing that many people have more of right now than they ever had before, it’s downtime. Yes, you may be working from home, and your kids may be taking up more of your time, but this pandemic has forced people to work differently, freeing them up from things like daily commutes, phone calls, texts, and emails.

Managing Your Financial Future

Why the SECURE Act Is So Important to You with Janean Stripe – Season 2: Episode 5

April 14, 2020

Between the CARES Act and the SECURE Act, both of which have been enacted, 2020 has turned out (so far) to be a year of change and uncertainty. The SECURE Act was passed in December of 2019, aiming to make retirement saving easier for individuals, increasing access to tax-advantaged accounts, and preventing older Americans from… View Article

Lucia Capital Group Weekly

Four Things You Must Do at Age 50

April 9, 2020

A person in their 20s seems to have just about all the time in the world – or so it may seem to them. And that may be a somewhat correct assumption when it comes to their long-term finances, like saving for retirement. But ask just about anyone who’s at least age 50, and they’ll tell you that the time went by quickly, and now that their retirement date is much closer, they realize they have far less margin for error. If you’ve reached the age of 50 and your retirement date is approaching, but still a decade or more away, you may have a unique opportunity to take care of a few very important things. In fact, making a few small changes or updates right now could potentially save you time, money and aggravation when you finally make it to retirement.

Managing Your Financial Future

Does a Bear Market Change Your Investing Style?- Season 2: Episode 4

April 7, 2020

It’s a fairly well-known and well-accepted fact within the investment world that market timing – attempting to get in or out of equities on the highs or lows – doesn’t work.  Most investing novices (and even veterans) who trade on daily trends will lose money, and some will lose all of their money.  The stock… View Article

Lucia Capital Group Weekly

What the CARES Act Means to You

April 4, 2020

Last week, Congress enacted the largest emergency economic stimulus package in the history of our country. Two of the most relevant items have to do with the stimulus checks and the temporary adjustments to the Required Minimum Distributions.

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9 Questions Answered About Your Stimulus Check

April 3, 2020

Updated April 7, 2020 with information regarding stimulus check mailing dates.  Updated April 15, 2020 with information regarding the IRS website stimulus check status. The US government may soon be sending you money in the form of a “stimulus check,” designed to provide some relief to those who have taken a financial hit from the… View Article

Lucia Capital Group Weekly

The College Saving Dilemma

April 2, 2020

Every parent wants what’s best for their kids, so it’s natural for them to feel the need to help them wherever they can. As a result, many new parents begin to save for their child’s college education immediately, guessing (perhaps correctly) that tuition costs 18 years from now will have risen almost unimaginably high. And that may be a very good idea. What’s not a good idea, though, is to take the money you were saving for your own retirement and redirect it to a college savings account for your children. Shortchanging your retirement savings, especially in the earlier stages of your working life, can ultimately cause much bigger problems for you down the line.

Managing Your Financial Future

Talking Lifetime Income with Chris Lloyd- Season 2: Episode 3

April 1, 2020

One of the most potentially useful tools a financial planner has is the ability to create some form of lifetime income for those who need it. In much the same way that a company could provide a pension to its employees, so may an advisor offer “pensionized” income as a way to provide guaranteed lifetime… View Article

Lucia Capital Group Weekly

A Bear Market: Why We Don’t Panic, and Neither Should You

March 25, 2020

The equity markets have been on a wild ride these past couple of weeks, to say the least. One would think it’s almost become a “new normal” to see swings of at least 5% to either the up or the down side on a daily basis. While that’s not quite true, it is indeed true that we’re living in volatile times, with no way to even remotely ascertain what’s to come next.

Managing Your Financial Future

From Bull Market to Bear Market in a Flash – Season 2: Episode 2

March 24, 2020

So maybe you looked at your 401(k) balance as recently as mid-February, and then decided you’d finally enough saved up to retire.  You put your notice in at work, everyone wished you well, and then… And then.  From bull market to bear market in a flash, without warning.  What have you done?  Can you really… View Article

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Guide to Financial Survival During the Outbreak

March 19, 2020

With everything going on around the world, you may have noticed that it’s not only difficult to find everyday grocery store items, but also basic information regarding your money. With that in mind, here’s our Guide to Financial Survival During the Outbreak, a collection of topics, links, and potential solutions to issues that we at Lucia Capital Group believe you or others may find useful.

Managing Your Financial Future

Keeping Your Cool When the Markets Drop- Season 2: Episode 1

March 17, 2020

So the long bull market finally came to an end.  The drop in equity values was quick, sudden, but not unexpected.  The markets simply did what they’ve always done, and while we never knew the exact date it would happen, we knew it was inevitable. And because we know it’s inevitable but cannot predict when… View Article