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Articles and Videos

Are Fixed Annuities Better Alternatives to Bonds?- Episode 117
Managing Your Financial Future

Are Fixed Annuities Better Alternatives to Bonds?- Episode 117

November 29, 2022

In the classic 60/40 stock-bond portfolio, the stock portion is supposed to provide the gains, while the task of the bond portion is to cushion the fall when stocks are going down in value.  This past year, though, things haven’t quite worked out that way. Both stocks and bonds are down in 2022, as interest… View Article

Setting Up Your Heirs for Sudden Wealth- Episode 116
Managing Your Financial Future

Setting Up Your Heirs for Sudden Wealth- Episode 116

November 22, 2022

If you’re accustomed to living on a certain amount each year, with fairly stable savings account balances, it can be a real shock to the system when you suddenly receive a large influx of money that alters your current financial situation. While a small percentage of people achieve this through winning some kind of cash… View Article

What to Do with Sudden Wealth
Investing and Personal Finance

What to Do with Sudden Wealth

November 17, 2022

Introduction Have you ever given any consideration to what you might do if you suddenly received a large sum of money? It’s fun to think about, for sure. Lots of people imagine themselves quitting their jobs and traveling the world, lounging on a beach somewhere sipping a margarita or two. And that’s fine, as far… View Article

The Market’s Down: Is This a Good Time For a Roth Conversion?- Episode 115
Managing Your Financial Future

The Market’s Down: Is This a Good Time For a Roth Conversion?- Episode 115

November 15, 2022

A little over a year ago, when the markets were sitting at all-time highs, we addressed the wisdom (or maybe lack thereof?) of converting a traditional IRA (or 401k) to a Roth. Since taxes must be paid in the conversion process, we wondered if high valuations would make it less desirable at that time. The markets in 2022 have not been so kind to investors, as values across the board have come down, in some cases significantly. Given these circumstances, are lower stock values any better for those who want to convert? Or are other factors also at play when making this decision? Podcast host Johnny Dean speaks with his guest, “Professor” Rick Plum, CFP® about what you still need to consider when doing a Roth conversion in this week’s episode of Managing Your Financial Future!

5 Things to Do Before the End of 2022
Investing and Personal Finance

5 Things to Do Before the End of 2022

November 10, 2022

Getting Ready for 2023 As we begin to wind down 2022, it’s time to start thinking about some of the things that you really need to take care of before the new year gets underway. With all of the volatility we’ve seen in the stock market, as well as the sudden, dramatic rise in interest… View Article

5 Financial Moves to Make Before the End of the Year- Episode 114
Managing Your Financial Future

5 Financial Moves to Make Before the End of the Year- Episode 114

November 8, 2022

As the year winds down, your opportunity window is also closing to get some things taken care of in 2022.  Taxes, retirement plan contributions, RMDs, charitable contributions — these are things that need to be done before the new year. What money moves do you need to be concerned about while there’s still time?  Tune… View Article

The Hidden Dangers of High-Yielding Bonds
Investing and Personal Finance

The Hidden Dangers of High-Yielding Bonds

November 3, 2022

Introduction If you’ve been following these videos for any length of time, you’re probably aware that I don’t much care for “rules of thumb” regarding investing or financial planning. Generic advice is almost never better than individualized planning, because every unique situation requires a unique strategy.   But – if I had to pick a rule… View Article

Rising Interest Rates: Good or Bad Time to Own Bonds?- Episode 113
Managing Your Financial Future

Rising Interest Rates: Good or Bad Time to Own Bonds?- Episode 113

November 1, 2022

A couple of years ago, we asked the question: why would you own bonds when they (were) paying so little interest?  Many others wondered the same thing, turning to the stock market to help potentially bolster their overall rate of return. Interest rates have risen dramatically in 2022, which changes the question just a bit: is it good to own bonds during a period of rising interest rates?  As rates go up, the value of your bonds goes down.  Wouldn’t it seem like it’s better to own bonds when interest rates are falling?  And what about bond funds? It’s a complicated world out there, but podcast host Johnny Dean and his guest, Rick “The Professor” Plum, CFP® provide you with some answers on this week’s episode of Managing Your Financial Future!

Why Chasing Stock Yield Is a Bad Idea
Investing and Personal Finance

Why Chasing Stock Yield Is a Bad Idea

October 27, 2022

Introduction If you’ve ever done investment research on individual companies, you may have noticed that the dividend yield of some companies seems to be a lot higher than others of a similar class of stocks. And sometimes those higher yields look pretty attractive, don’t they? After all, isn’t owning a stock with a 10% dividend… View Article

What’s The Ideal Number of Stocks You Should Own?- Episode 112
Managing Your Financial Future

What’s The Ideal Number of Stocks You Should Own?- Episode 112

October 25, 2022

One of the most well-known investing terms is “diversification.”  This is the idea that risk can be spread out by investing over a wide variety of different industries, areas, and/ or financial instruments. While this true to an extent, there is such a thing as being over-diversified, to the point where much (if not all) of your rate of return is watered down by having too many stocks with varying rates of return. So is there potentially an “ideal” number of stocks you should own, one that walks the line between the two extremes?  Find out from “Professor” Rick Plum, CFP® and podcast host Johnny Dean on this week’s episode of Managing Your Financial Future!

You Need to Know These Two Roth Rules!
Investing and Personal Finance

You Need to Know These Two Roth Rules!

October 20, 2022

The creation of the Roth IRA back in 1998 gave us an entirely new financial planning tool — one that both retirees and those who are still saving for retirement could potentially use. Since that time, it’ turned into a useful tax-advantaged tool for many people to help offset and maybe even eliminate certain taxes… View Article

Why Other Advisors Now Advocate Buckets- Episode 111
Managing Your Financial Future

Why Other Advisors Now Advocate Buckets- Episode 111

October 18, 2022

We’ve been strong advocates of the Bucket Strategy since the 1990s, and came to the conclusion long ago that no one should have to depend on stock market gains to fund their current living expenses.  Buckets was designed to address that issue. With the stock market going through yet another down cycle in 2022, the issue of maintaining a guaranteed cash flow in retirement is once again at the top of many retirees’ concerns. And with that, we’ve found that other advisors around the country have also determined that a Bucket strategy may be the best way to help address those concerns. This week, podcast host Johnny Dean and Rick “The Professor” Plum, CFP speak with Joe Accardi, founder and chairman of the Accardi Financial Group in Boston, MA.  Mr. Accardi speaks about how his experiences many years ago led him to the Bucket Strategy, and why his firm uses it to provide income to their clients.

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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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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.

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