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Investing and Personal Finance

Guide to Financial Survival During the Outbreak
Articles

Guide to Financial Survival During the Outbreak

March 19, 2020

With everything going on around the world, you may have noticed that it’s not only difficult to find everyday grocery store items, but also basic information regarding your money. With that in mind, here’s our Guide to Financial Survival During the Outbreak, a collection of topics, links, and potential solutions to issues that we at Lucia Capital Group believe you or others may find useful.

The Risks, Rewards, and Who Should Own Preferred Stocks
Investing and Personal Finance

The Risks, Rewards, and Who Should Own Preferred Stocks

September 26, 2019

Preferred stocks are really designed to provide a steady income through dividend payments, and their yields tend to be higher than traditional fixed income investments.  For some people, this really adds to their appeal.  Most of them are traded on a stock exchange, so you may also see greater transparency with the price. However, there are some risks and potential rewards of owning preferred securities, along with the big question: how do you know if they’re suitable for YOU?

The Basics of Investing In Preferred Stocks
Investing and Personal Finance

The Basics of Investing In Preferred Stocks

September 18, 2019

There are people out there who may be saving too much for retirement—and you might be one of them! Don’t get us wrong, building your savings is a good thing. In fact, we’re in the business of helping people do just that. You certainly don’t want to under-save, but over-saving can also be a problem.

Should You Really Own Fewer Stocks in Retirement?
Investing and Personal Finance

Should You Really Own Fewer Stocks in Retirement?

March 28, 2019

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

What You Don’t Know about Volatility Can Hurt You
Investing and Personal Finance

What You Don’t Know about Volatility Can Hurt You

March 7, 2019

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

Are Two Incomes Really Better Than One?
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

Mixing Investments May Raise Retirement Confidence
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

Money-Saving Tips for Valentine’s Day
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

Retiring Young and the 4% Rule
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

5 Financial Planning Tips to Kick Off 2019
Investing and Personal Finance

5 Financial Planning Tips to Kick Off 2019

January 30, 2019

Now that 2019 is here and we’ve got most of the year left to look forward to, right now is a really good time to make sure your financial house is in order. The American Institute of Certified Public Accountants just issued several tips for those who are aiming to reach their financial goals, so… View Article

4 Ways to Pay For College Without Student Loans
Investing and Personal Finance

4 Ways to Pay For College Without Student Loans

January 24, 2019

A recent article in Forbes said that student loan debt is now the second-highest consumer debt category, second only to mortgage debt. In 2018, the average student owed about $37,000 in education loans. So with costs rising out of control, how does one build a plan to pay for college without using student loans? Here are… View Article

Are You Really Diversified?
Investing and Personal Finance

Are You Really Diversified?

January 17, 2019

Perhaps you’ve heard at one point or another that when it comes to investing, diversification is a good idea. It makes sense not to put all of your eggs in one basket, and if you spread your wealth across different asset classes and geographies, maybe you’ll avoid the potential catastrophic risk that can come with… View Article

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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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    Strive to make the most of your retirement. Get answers to your most pressing questions, and gain the knowledge necessary to make important decisions about your financial future.
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    IRAs, BDCs, REITs, ETFs—Tired of wading through alphabet soup? Let us clearly explain the investing basics you need to know.
  • Tax Planning
    Are you missing valuable deductions and over paying on taxes? Get educated and protect your nest egg.
  • Insurance
    Little is certain in life—don’t be blind sighted by unexpected circumstances. See what insurance can do for your portfolio.
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    Little is more important than making sure your loved ones are well taken care of. Let us help you establish education savings accounts, plan your estate, and more.

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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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The investment professionals are registered representatives with, and securities and advisory services offered through LPL Financial, a registered investment advisor and member FINRA/SIPC. The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

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