Articles and Videos

Roth, Personal, or IRA Funds: Which Should You Spend First? – Episode 188

Optimize your retirement withdrawals with the ‘Spending Order of Funds’ strategy. Learn more with Johnny Dean and Rick Plum.

IRA vs. 401(k) – Which Is Better??- Episode 187

There are many ways to save for retirement.  Two of the most popular are the 401(k) and the IRA. Both are savings vehicles, but both have different attributes that may make one of them better for you.  There are advantages and disadvantages to both.  Do you need a tax break now? Are you able to deduct contributions to an IRA? Does your company have a match on any of your 401(k) contributions? These are important questions that you need to consider.

What Percentage of Stocks Should You Own in Retirement? – Episode 186

Explore why stocks may suit retirees, focusing on withdrawal strategies and risk management, with Rick Plum and Johnny Dean.

It’s Time For Your Mid-Year Money Checklist! – Episode 185

Mid-year financial check-up time! Learn tax management and investment strategies with Johnny Dean and Rick Plum on Managing Your Financial Future.

Lucia Capital Group CEO Ray Lucia Jr. on Benefits of Value Averaging

Why Time Is Your Most Valuable Asset in Investing – Episode 184

Discover why time is your most valuable asset in investing with Johnny Dean and Rick Plum on today’s Managing Your Financial Future episode.

North San Diego Business Chamber names Lucia Capital Group Business of the Year, Medium Company in its 2024 Leadership Awards

Why Your Bonds May Not Be Paying What You Think- Episode 183

When you buy a bond, you might expect that the amount of interest stated on the coupon is the amount of interest that you’ll be receiving.  So if you have, say, a $10,000 bond paying 5 percent interest, you probably figure it will pay you $500 each year. But that isn’t always the case.  This is where it’s important to understand not just the bond’s current yield, but probably more importantly, the bond’s yield to maturity. There may be a difference between the bond’s present cash flow and what you’ll ultimately receive after all interest payments and the return of the principal. Sound confusing? Let’s clear it up. 

THIS Is Why We Love The Bucket Strategy® – Episode 182

Discover how The Bucket Strategy® ensures financial longevity by aligning assets with liabilities, featuring insights from Johnny Dean and Rick Plum.

Why Engineers May Make Great Financial Planners – Episode 181

Many times in life, we see how one career field translates extremely well into another.  Engineering is a great example of this. A good engineer needs to know what a project’s goal is, put the pieces together in a way that works, and then stress test it to make sure it works in all conditions. Financial planning is a lot like this. What does each individual want to achieve financially? What do we have available to work with? How can these pieces fit together to potentially reach their goals? And how will that financial plan work under extreme conditions, both good and bad? Our guest today is former engineer and current financial planner, Patrick Klacka, CFP®, who talks about how his math and engineering skills prepared him so well for the financial planning field.

Roth IRA Strategies for High-Income Earners – Episode 180

If you’re at all familiar with the Roth IRA, you probably know that there are income limits for people who want to make a contribution to a Roth. These limits generally go up a little bit each year, but anyone who makes over a certain amount of money is ineligible to make a Roth contribution. But that doesn’t mean those with a high income have no access to a Roth, or to certain Roth strategies.  Everyone loves something that’s tax free, and that notion is especially attractive to people who may be in a high tax bracket when it comes time to distribute those funds. What Roth can strategies can you employ if you’re a high-earner?