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Capitalize

CAPitalize Your Investments – Season 2: Episode 15
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.

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

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

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

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.

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

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?

CAPitalize Your Cash Flow – Season 2: Episode 11
Capitalize

CAPitalize Your Cash Flow – Season 2: Episode 11

December 6, 2021

I read a few surveys that I found to be rather astonishing. It seems that nearly 70 percent of Americans have no household budget, and that 45 percent have absolutely nothing saved for retirement! What’s also interesting (and pleasantly surprising) is that the average American also seems to have a rather large amount of free cash flow each month. Whether you have a lot or a little doesn’t necessarily matter; what matters is what you do with it. In this week’s episode, I talk about what it means to CAPitalize your cash flow and how you may be able to CAPitalize your future without sacrificing your enjoyment of the present. Tune in and find out more!

CAPitalize Tomorrow’s Finances – Season 2: Episode 10
Capitalize

CAPitalize Tomorrow’s Finances – Season 2: Episode 10

November 22, 2021

One of the more exciting aspects of financial planning is setting yourself up for the future. While making and sticking to monthly budgets may be a bit boring (although necessary), learning to invest your money for the future, and knowing there is potential for it to grow (maybe a LOT!), can make things really interesting and exciting. Today’s podcast talks about how you can CAPitalize tomorrow’s finances, and, with luck, set yourself up for a comfortable and fulfilling retirement. Today we start the journey toward tomorrow!  Have a listen and find out what the next steps will be!

CAPitalize Your Debt Rate -Season 2: Episode 9
Capitalize

CAPitalize Your Debt Rate -Season 2: Episode 9

November 8, 2021

On the last episode, I talked about the differences between “good” and “bad” debt. And yes, there are differences: major ones! To follow up on that, this week’s podcast is devoted to CAPitalizing your debt RATE. This is because there’s a big difference between what you owe, and how much interest you have to pay on what you owe. Finance is all about the little things, and this is why we strategize and plan together.

CAPitalize Good and Bad Debt -Season 2: Episode 8
Capitalize

CAPitalize Good and Bad Debt -Season 2: Episode 8

October 25, 2021

For those who are accustomed to hearing that all debt is bad, when they’re told that there is actually such a thing as “good debt,” they’re often more than a little skeptical. This can be a hard concept for many people to understand. Believe it or not, there are strategic ways to utilize debt to your potential advantage. The key is to understand which debts are good, and which ones are bad. Knowing the difference between the two can make a big difference in your financial life.

CAPitalize Your Debt -Season 2: Episode 7
Capitalize

CAPitalize Your Debt -Season 2: Episode 7

October 11, 2021

For those who owe a lot of money to creditors, debt can seem like a really bad thing. And the bigger the debt, the worse the situation. And for those on the other side of the spectrum, those who are essentially debt-free, life can certainly seem a lot easier, at least financially speaking. There’s no shortage of financial pundits who tell you how much better your life will be if you eliminate all of your debts. But is this really sound advice? Perhaps not. There may be some instances where debt can actually work in your favor.

CAPitalize Your Savings -Season 2: Episode 6
Capitalize

CAPitalize Your Savings -Season 2: Episode 6

September 27, 2021

People sometimes wonder if “Cash is King,” or if “Cash is Trash.”   What if the answer is neither…or both?   Something as simple as how much you need to have in savings truly depends on your individual situation — and the variables are endless.  Do you work for the government and have a steady income?  Are you an owner of a company where your income fluctuates?  Are you a dentist and perhaps struggle to understand how much cash to have in your personal savings and business account?   On today’s episode, I talk about how to be prudent with your savings (and where to store it)!

CAPitalize Your Expenses -Season 2: Episode 5
Capitalize

CAPitalize Your Expenses -Season 2: Episode 5

September 13, 2021

An often-overlooked aspect of personal finance is how much you spend each month — yet getting a grasp on it is “mission critical.” For many people, talking about spending and expenses is embarrassing, overwhelming, and sometimes downright despicable.  My question is this: why does it have to be that way? Wouldn’t it be great if you could have someone to listen to, who can calmly and systematically break down “Expenses 101” so you could walk away and feel confident about everything there is to know regarding your spending habits and needs? Well, guess what: you’ve come to the right place!

CAPitalizing Your Cash -Season 2: Episode 4
Capitalize

CAPitalizing Your Cash -Season 2: Episode 4

August 30, 2021

Cash: is it good or is it bad? Here’s a better question: How much is too much?  Believe it or not, there is such thing as having too much cash! On today’s Episode, “CAPitalizing Your Cash,” I take you through the good, bad and ugly in regards to this often-misunderstood asset.  Cash is both valuable and useless — so understanding the BALANCE is key. Tune in, and prepare to view cash in a totally different way!

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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.

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.

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