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Articles and Videos

This Is Why We Strategize!
Lucia Capital Group Weekly

This Is Why We Strategize!

March 13, 2020

When markets are good, when equity values are rising, it can be difficult to be the lone voice that sets out to remind people that the good times don’t last forever. It’s a tough sell. But as we’ve seen over just the past several days, things can turn around, and turn around quickly. We can’t predict when, why or how – we only know they will. Absent a fully-functioning crystal ball, the only thing we really can do is to be ready when it hits. This is why we say that having a strategy is absolutely crucial. Buildings have fire exits, homes have storm cellars, and prudent investors have a plan. And while no plan or strategy is completely infallible, it’s a good bet that those who strategize for the bad times may be better prepared when they occur. True, the up-markets don’t last forever, but then again, neither do the down-markets. Lucia Capital Group Chairman and CEO Ray Lucia Jr. offers some words of encouragement in this Bonus Edition of Lucia Capital Group Weekly.

Is It Time to Restructure Your 401(k)?
Lucia Capital Group Weekly

Is It Time to Restructure Your 401(k)?

March 5, 2020

One of the nice things about a 401(k) plan is that it’s automatic. You set it up, create your allocation, decide what percentage of your income will go in each pay period, and just let it happen from there. Many people don’t give it much thought after that. And that may be fine, if you’ve still got 10 years or more until retirement. But as the date gets closer to when you’ll actually need to access that 401(k) money, the set-it-and-forget-it approach often becomes less beneficial. You begin to subject yourself to market risks if you don’t change your allocation to include some less-volatile assets. Many people recognize this, and actually do make changes to their 401(k) allocation. But there’s another step that you may be missing — a crucial step that you need to consider, well before you retire.

The markets have dropped. What now?
Articles

The markets have dropped. What now?

February 28, 2020

If you have seen or heard the news in the last few weeks, you have probably heard about the virus referred to as the Coronavirus or COVID-19. There has obviously been a lot of downward stock market volatility in the last week to say the least. The S&P 500 closed down about 8% Year to Date as of yesterday.  And, until the personal and economic effects of the virus become more certain, volatility may continue in the short term.

The 4 Steps of Retirement Income
Lucia Capital Group Weekly

The 4 Steps of Retirement Income

February 27, 2020

Financial planning is our business; it’s what we do every single day. And since no two people have the exact same goals, risk tolerances, investments, and income needs, every single plan we put together is different. Much of the planning process boils down to this: How do we create enough retirement income for you to live the way you want to live, without having to worry about how long your money will last? Some people have all the income they’ll ever need, and more. Others require some extra careful planning to meet their goals. But while the details of each plan may be vastly different, there are some common basic steps that we use to formulate each one.

Making Your Social Security Decisions Easier – Season 1: Episode 12
Managing Your Financial Future

Making Your Social Security Decisions Easier – Season 1: Episode 12

February 26, 2020

Many people who aren’t old enough to receive their benefits yet don’t give much thought to Social Security.  They figure it will be there for them in some form or another when they retire, but as to when they should begin taking it, well, that’s not something they keep on their mental front-burner.  It’s often… View Article

3 Questions Every Confident Investor Should Ask
Lucia Capital Group Weekly

3 Questions Every Confident Investor Should Ask

February 21, 2020

The current bull market for stocks began on March 9, 2009. But the belief among some investors at that time was that stocks still had farther to fall, and the worst was still to come. They were wrong. Now, nearly 11 years later, we still have not seen another bear market in the S&P 500. This situation has created in the minds of some investors that stocks will continue to climb forever – a mistaken idea that could have dangerous consequences. When markets are flying high (or, conversely, when they’re sinking into oblivion), it can create a recency-bias mentality that may cause you to stray from your stated investing objectives. You may be tempted to make a risky move in response that you’ll later wish you hadn’t: a move that may be irreversible. Before you make a move like that, either out of fear or elation, you should ask yourself three important questions.

IRA Withdrawals: Take Them Now or Later? – Season 1: Episode 11
Managing Your Financial Future

IRA Withdrawals: Take Them Now or Later? – Season 1: Episode 11

February 18, 2020

When it comes to finance, conflicting advice is everywhere. This is especially true when people have questions about when they should start taking money from their traditional IRAs: Should I start early, or wait until I’m required to take the money out?  Is my withdrawal going to be taxed? Does an IRA withdrawal affect my… View Article

Can You Control the Uncontrollable and Forget the Rest?
Lucia Capital Group Weekly

Can You Control the Uncontrollable and Forget the Rest?

February 13, 2020

In last week’s video, we explained why it’s often better to manage the amount of risk you take in your portfolio, rather than trying to achieve a high rate of return.  We showed how two sets of hypothetical portfolios, both with the exact same investments over a 10-year period of time, could have entirely different outcomes — simply by changing the date that a retiree began taking withdrawals. In this week’s edition of Lucia Capital Group Weekly, our “Professor” Rick Plum takes that same hypothetical scenario and expands the time horizon by another ten years.  How did these two (imaginary) identical portfolios fare after a 20-year time horizon? You may be surprised.  

The 3 Questions That Every Confident Investor Should Ask – Season 1: Episode 10
Managing Your Financial Future

The 3 Questions That Every Confident Investor Should Ask – Season 1: Episode 10

February 11, 2020

The current bull market is 11 years old as of March, 2020.  This seems to have given more than a few investors the mistaken idea that stocks will continue to climb forever.  Whenever markets are flying high, or (on the other side) when they’re sinking into oblivion, people tend to overreact and do something that… View Article

Manage Risk, Not Return
Lucia Capital Group Weekly

Manage Risk, Not Return

February 6, 2020

When it comes to investing, people often make the mistake of focusing on the wrong goal. Certainly, most everyone would like to see a good rate of return on their investments, and it’s nice when that happens, but trying to manage your way into achieving a high rate of return is almost always a fool’s game. Day trading, chasing yield, acting on short-term market predictions, and other gambits are not only time-consuming, but also time wasting. There is simply too much that is out of your control. A better way to go may be to focus instead on what is actually manageable: the amount of risk you take. While lower risk usually offers lower rewards, it may also potentially protect your portfolio from loss. This may be especially true over longer periods of time — and when it comes to stock (equity) investments, a long time horizon is essential.

How the SECURE Act Affects You – Season 1: Episode 9
Managing Your Financial Future

How the SECURE Act Affects You – Season 1: Episode 9

February 4, 2020

The SECURE Act, passed by Congress at the end of 2019 and effective on January 1, 2020, provides several reforms to 401(k) accounts, IRAs, college savings accounts, and more. A couple of long-standing rules, including the age at which most people must begin taking their required minimum distributions, were amended. These changes created both opportunities… View Article

A Tax Strategy You Never Knew Existed- Season 1: Episode 8
Managing Your Financial Future

A Tax Strategy You Never Knew Existed- Season 1: Episode 8

January 28, 2020

A few episodes back, we talked about the benefits of charitable giving for both the recipient of the gift and the giver.  The one who receives the gift gets the benefit of the gift itself.  The one who gives the gift may be entitled to (among other things) a tax benefit for their generosity. Some… View Article

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About Lucia Capital Group

Lucia Capital Group, along with its family of financial services companies headquartered in San Diego, California, offers a fully integrated wealth platform providing end-to-end investment strategies from wealth advice to asset management and insurance. We are truly committed to helping our clients pursue their financial goals.

Consisting of several CFP® and CFA® professionals and ChFC® advisors, the team at Lucia Capital Group is knowledgeable and experienced in the areas of financial planning, asset management, investment brokerage, and insurance services. With more than 15 locations nationwide, we offer comprehensive, integrated financial planning and wealth services to clients of all types and accounts of all sizes.

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    Little is more important than making sure your loved ones are well taken care of. Let us help you establish education savings accounts, plan your estate, and more.

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Check the background of this firm on FINRA’s BrokerCheck.

The Bucket Strategy® involves investments subject to risks, fees, and expenses. There is no guarantee that any investing strategy will be profitable or provide protection from loss.

The information provided is based on current laws, which are subject to change at any time. Lucia Capital Group is not affiliated with or endorsed by the Social Security Administration (SSA) or any government agency. Social Security rules can be complex. For more information about Social Security benefits, visit the SSA website at www.ssa.gov or call (800) 772-1213 to speak with an SSA representative.

No client or prospective client should assume that the presentation (or any component thereof) serves as the receipt of, or a substitute for, personalized advice from Lucia Capital Group or from any other investment professional.

The investment professionals are registered representatives with, and securities and advisory services offered through LPL Financial, a registered investment advisor and member FINRA/SIPC. The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

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