Articles and Videos

Managing Your Financial Future

Why Your Home May Be Your Best Tax Friend- Season 8: Episode 2

February 1, 2022

Home prices are up pretty much everywhere, and for those who own one, this is good news on many different fronts. If you’re considering selling and maybe downsizing, or moving to a less expensive area, you may be able to take advantage of one of the best tax breaks out there. On this week’s episode of Managing Your Financial Future, find out from podcast host Johnny Dean and his guest, “Professor” Rick Plum, CFP® why your primary residence may be your best friend when it comes to capital gains taxes!

Capitalize

CAPitalize Your Investments – Season 2: Episode 15

January 31, 2022

This may or may not come as a surprise to some people, but there’s more to investing than just putting money into stocks — a LOT more.  Even combining just the simple, conventional “Stocks and Bonds” portfolio may not be enough to get you where you want to go. It took the Big Crash of 2008 for me in the early days of my career to learn that the successful investors used more than just stocks, or stocks and bonds, when working on building their nest eggs.  And while not everyone needs to have a huge variety of investments, just knowing that other tools may be available to you is a big step forward.

Lucia Capital Group Weekly

Your Most Valuable Asset May Also Be Your Best Tax Friend

January 27, 2022

Have you thought recently about selling your home?   If so, you might be selling at a pretty good time. The Case-Shiller US National Home Price Index tells us that the average price of homes across the country has gone up more than 104 percent since January of 2012, ten years ago. That really adds up to a lot of… View Article

Managing Your Financial Future

3 Money Moves to Make Right Now- Season 8: Episode 1

January 25, 2022

In the world of financial planning, it’s often better to do things sooner rather than later. That is, after all, why you do planning, isn’t it? No point in waiting until the very last minute. As it’s still early on, there are some things that you’re much better off taking care of right now, before… View Article

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Your Guide to This Year’s Tax Forms and More

January 19, 2022

As the new tax season has officially begun, we’ve been getting some questions from clients who want to know what forms and documents (i.e., 1099s, form 5498, etc.) they should expect to receive over the coming days and weeks.

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CAPitalize Your Child’s Financial Future- Season 2: Episode 14

January 18, 2022

If you’re a parent, you want to see your child succeed. And if you’re a brand new parent, you want to start your child off right, most likely from Day 1. Good idea! And yes – that includes getting them started on their own finances. This doesn’t necessarily mean you’re going to hand them a… View Article

Lucia Capital Group Weekly

Don’t Be Surprised By These Taxes In Retirement

January 13, 2022

Throughout your working years, you earn your paycheck, and that paycheck is subject to various forms of taxation: federal taxes, state taxes, FICA, Medicare, and maybe a few others.  And the higher your paycheck, the greater the taxes you have to pay. At least that’s the idea. So if that’s the case, it would stand… View Article

Lucia Capital Group Weekly

How To Calculate Your Future Retirement Income

January 6, 2022

Figuring out how much income you’ll need for retirement can be one of the biggest challenges in financial planning. This is especially true if your retirement is still 20 or 30 years away. So what’s a good way to estimate how much income you’ll need in retirement? For those whose retirement is at least a couple of decades… View Article

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CAPitalize on What Money Goes Where- Season 2: Episode 13

January 3, 2022

Do you have a retirement plan at work? Speaking here about a 401k, 403b, or a 457 plan for governmental and certain nongovernmental employers. If so, you’ve got an opportunity to do some real saving here! What about Roth or traditional IRAs? Where do those come in? After all, those are types of personal retirement savings plans, and with a finite amount of money to put away each month, you might be confused about where your funds may be the most effective.

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Moving our San Diego Headquarters

December 20, 2021

After almost two decades in our current Sabre Springs location, we are excited to announce that on December 16, 2021 we are moving our San Diego headquarters to a NEW LOCATION at 16789 Bernardo Center Drive, San Diego, CA 92128. The new office space in Rancho Bernardo is in the former Pacific Western Bank building…. View Article

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CAPitalize Your “Gap” Money – Season 2: Episode 12

December 20, 2021

If you have money left over after your expenses are taken care of, what should you do with it?  This is what we call “gap” money, and where that money ultimately goes may be crucial to your financial success. Before you go off and spend your extra cash on riotous living, you need to ask yourself several (or dozens) of questions first.  What are your options at this point?

Lucia Capital Group Weekly

Year-End Tax Limits for 2021

December 16, 2021

As we get to the end of 2021, it’s a good idea to go over some of the tax laws – and specifically the tax limits – that we have here before the year actually draws to a close.  These are things you need to be aware of as you get ready to fill out that all-important tax… View Article