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Lucia Capital Group Weekly

Options for Self-Employed Retirement Plans

Losing a family member is difficult, and when it happens, the last thing on your mind is what to do with his or her retirement accounts. But, if you’re a beneficiary, just know that at some point you’ll need to make some decisions. And making the wrong move could cost you taxes and penalties. So here are some things to know.

Lucia Capital Group Weekly

What to Know About Inheriting an IRA

Losing a family member is difficult, and when it happens, the last thing on your mind is what to do with his or her retirement accounts. But, if you’re a beneficiary, just know that at some point you’ll need to make some decisions. And making the wrong move could cost you taxes and penalties. So here are some things to know.

Lucia Capital Group Weekly

This Year’s 5 Most Common Tax Questions

Tax Day is right around the corner, and it seems like this particular tax-filing season has brought with it a pretty high level of confusion, most of it due to the effects of the 2018 tax law changes. Here are the five most common questions we’re seeing right now: 1) What’s up with the smaller… View Article

Lucia Capital Group Weekly

Why Consider Multiple Sources of Retirement Income?

When it’s time for you to retire, it’s likely you’ll need a source of income to replace your salary. And for many people, Social Security just isn’t enough. So how do you generate a reasonably stable income that will last as long as you do? The solution may be to have several sources of retirement… View Article

Investing and Personal Finance

Should You Really Own Fewer Stocks in Retirement?

Have you ever heard those investing cliches that sound like real advice but aren’t? You know, like “sell in May and go away,” “the trend is your friend,” or the so-called “100 minus your age” rule, which says you can figure out how much you should own in stocks by simply subtracting your age from… View Article

Lucia Capital Group Weekly

Sometimes It’s Better to Do Nothing

If you’re like most investors, you got hit pretty hard in the last quarter of 2018. According to Oppenheimer, investors pulled more than $200 billion out of equity mutual funds and ETFs from October through the first week in January. And money market assets grew by $209 billion last year—more than the previous five years… View Article

Lucia Capital Group Weekly

What to Do If You Missed Your RMD

Here’s a really important question for those of you who were at least 70½ years old last year: did you take your required minimum distributions (RMDs) from your pre-tax retirement accounts for 2018? I hope you answered “yes” to that question, because for most IRA and defined benefit contribution plan owners, the deadline to do… View Article

Investing and Personal Finance

What You Don’t Know about Volatility Can Hurt You

If there’s anything that the global financial meltdown of 2008 taught us, it’s that risk management is important in any investment environment. If you don’t have a strong risk management approach to investing, you could be exposed to some potentially dangerous volatility. In the investment world, while a little volatility can be good, too much… View Article

Investing and Personal Finance

Are Two Incomes Really Better Than One?

February 28, 2019

There was a time when it was common for one spouse to go to work and earn a living while the other spouse stayed at home and took care of the house and the kids. Remember that? As gender roles expanded in the 1960s and 1970s, these stereotypes went out the window—and both spouses often… View Article

Investing and Personal Finance

Mixing Investments May Raise Retirement Confidence

February 20, 2019

A lot of people these days seem to be concerned about outliving their retirement savings. They see stock market volatility, and they get all kinds of agita when they think about having to rely on their portfolio for retirement income. Well, here’s a little good news for you: some new research suggests that by adding… View Article

Investing and Personal Finance

Money-Saving Tips for Valentine’s Day

February 12, 2019

In case you’ve forgotten, today is Valentine’s Day. It’s one of those special days of the year that can not only put you in a nice, romantic mood but also put a dent in your wallet. The National Retail Federation says consumers spent nearly $20 billion on gifts and activities last year, with over half… View Article

Investing and Personal Finance

Retiring Young and the 4% Rule

February 6, 2019

About 25 years ago we began hearing about the 4% rule, which is the idea that a retiree can withdraw 4% of a portfolio’s original value per year and still be reasonably certain that their money will last as long as they do. Whether it works is dependent on many different factors, but it’s a… View Article