(800) 644-1150
  • Manage Your Future
  • Client Access
  • How We Help You
    • Financial Planning
    • Investing for Your Future
    • Managing Your Retirement Income
    • Managing Your Risk
  • Wealth Education
    • Articles and Videos
    • Events
    • In the Press
    • Podcast: Managing Your Financial Future
  • About Lucia Capital Group
    • Meet the Team
    • Locations
    • Careers
    • Contact Us
  • FINRA BrokerCheck
Lucia Capital Group
  • (800) 644-1150
  • Contact Us
  • FINRA BrokerCheck
  • For Advisors
  • Client Access
  • How We Help You
    • Financial Planning
      Full-service financial planning
    • Investing for Your Future
      Investment and asset management
    • Managing Your Retirement Income
      The Bucket Strategy®
    • Managing Your Risk
      Insurance, annuities, and long-term care
  • About Us
    • About the Firm
      Learn what sets us apart from the pack
    • Meet Our People
      We aim to exceed your expectations
    • Locations
      Find the office closest to you
    • Careers
      Join the Lucia Capital Group team
    • Contact Us
      We want to hear from you
  • Wealth Education and Events
    • Articles and Videos
      The full list of articles, videos, and resources
    • Events
      Register today for a live event or webinar
    • In the News
      Discover the latest news and happenings
    • Podcast: Managing Your Financial Future
      A podcast all about financial strategies
  • Manage Your Future
Lucia Capital Group

Investing and Personal Finance

Is It Really Better to Own More Stocks in Retirement? – Episode 192
Investing and Personal Finance

Is It Really Better to Own More Stocks in Retirement? – Episode 192

October 15, 2024

If stocks are inherently risky, and if you’re retired and you’re risk-averse, doesn’t it make sense to lessen your exposure to the stock market as you get older?  That’s the logic behind certain “rules of thumb” that say the older you are, the less money you should have in stocks. But that logic is faulty.  It assumes that everyone’s situation is the same, and, even worse, that people should be selling stocks in order to fund their short-term income needs.  It’s time to revisit this idea. Could it actually be better to own more stocks in retirement?

The 3 Biggest Tax Surprises in Retirement and How to Avoid Them
Investing and Personal Finance

The 3 Biggest Tax Surprises in Retirement and How to Avoid Them

June 12, 2024

There are tax surprises in retirement?  Yes!  Will you have to pay those taxes? Let’s find out.  With this week’s edition of Lucia Capital Group Weekly, I’m Professor Rick Plum.  Taxes are a part of life, and most of us know the process: you have a job, you earn your paycheck, and then that paycheck… View Article

How the “Conventional Wisdom” May Cost You in Taxes
Investing and Personal Finance

How the “Conventional Wisdom” May Cost You in Taxes

May 29, 2024

Here’s a headline for you: The financial “conventional wisdom” may cost you BIG in taxes!  I’m Rick Plum, and welcome to this week’s edition of Lucia Capital Group Weekly.  One of the most common pieces of financial advice that’s out there (and it’s been around for years) says that a retired person should always spend… View Article

How Protected Income May Greatly Enhance Your Retirement
Investing and Personal Finance

How Protected Income May Greatly Enhance Your Retirement

February 29, 2024

A lifetime income annuity provides stable income, reduces financial risk, and enhances retirement security by ensuring cash flow for life.

Top 5 Must-Know Facts About Required Minimum Distributions
Investing and Personal Finance

Top 5 Must-Know Facts About Required Minimum Distributions

February 1, 2024

Top five must-known facts about RMDs: RMD age varies, first withdrawal grace period, consider early year withdrawal, manage multiple accounts for flexibility, and understand tax implications.

How to Pay ZERO Taxes On $100K of Income in Retirement
Investing and Personal Finance

How to Pay ZERO Taxes On $100K of Income in Retirement

October 5, 2023

Retirement planning can be tricky. But what if we told you that a retired couple could earn $100,000 yearly and pay zero federal income tax? It might sound impossible, but with the right strategies, it’s achievable. Setting the Stage: Imagine a retired couple, both 66 years old. They plan to claim their Social Security benefits… View Article

Why Building Wealth and Keeping It Are Two Different Things
Investing and Personal Finance

Why Building Wealth and Keeping It Are Two Different Things

September 20, 2023

In last week’s video we discussed the importance of saving, and how building a nest egg involves regular contributions over a long period of time. Investing in equal portions at regular intervals, like you would in a 401k, allows you to buy more shares when the market is down, and when the market is going… View Article

How Can You Build a Substantial Nest Egg?
Investing and Personal Finance

How Can You Build a Substantial Nest Egg?

September 14, 2023

People often ask this question: “What’s the best way to build wealth?”   Well, the simplest (and best) answer we can give to that question is this: “Save early and save often.” But that’s not very satisfying to hear, is it? It’s not glamorous, it offers no insight, and it doesn’t reveal any special secrets.  … View Article

Did Your Paycheck Suddenly Increase by 6.2%?
Investing and Personal Finance

Did Your Paycheck Suddenly Increase by 6.2%?

September 6, 2023

Do you ever look at your pay stub? These days, with automatic deposits and paperless transactions, you may not pay much attention to what’s being withheld from your check each pay period. What’s more, many people don’t understand how the whole payroll tax system works, which I get, because, yeah, it’s a bit complicated.    But… View Article

Retirement or College: Which Should You Fund First?
Investing and Personal Finance

Retirement or College: Which Should You Fund First?

August 23, 2023

Making big financial decisions by yourself can seem like a real gamble sometimes.  You don’t want to make a wrong move that may cost you big over the long term, but you also know that if you make no move at all, you’ll never reach your goals.   Many parents find themselves in this situation when… View Article

Why Never and Always Are Bad Investment Words
Investing and Personal Finance

Why Never and Always Are Bad Investment Words

August 10, 2023

Discover the pitfalls of following ‘always’ or ‘never’ financial advice. Learn how different tools like stocks, bonds, and insurance serve specific goals. At Lucia Capital Group, we guide you to informed decisions tailored to your objectives and risk tolerance. Learn more.

What Happens If You Have Post-Tax Money in Your IRA
Investing and Personal Finance

What Happens If You Have Post-Tax Money in Your IRA

July 27, 2023

If you’ve got an IRA that contains only pre-tax money and you take a distribution from that IRA, the taxation is pretty straightforward: the custodian reports the distribution to the IRS, and you pay ordinary income taxes on the amount you took out. If you’re under age 59 ½, then you’ll also owe an early… View Article

Posts pagination

1 2 3 … 5 Next

Select a Topic

  • All Articles and Videos
  • Lucia Capital Group Weekly
  • Podcast: Managing Your Financial Future
  • Market Commentary
  • Investing and Personal Finance
    IRAs, BDCs, REITs, ETFs—Tired of wading through alphabet soup? Let us clearly explain the investing basics you need to know.
  • Retirement Planning
    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.
  • Life Planning
    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.
  • Tax Planning
    Are you missing valuable deductions and over paying on taxes? Get educated and find out.

Take control of your financial future

Get Started Now or call us (800) 644-1150
Facebook Linkedin Instagram Twitter Youtube

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.

About

  • Our Firm
  • Meet the Team
  • Locations
  • Careers
  • Contact Us

Education

  • Retirement Planning
    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.
  • Investing and Personal Finance
    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.
  • Life Planning
    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.

Important Links

  • Client Access
  • Disclosures and Privacy Policy
  • Important Disclosure Regarding Your Personal Financial Dashboard
  • FINRA BrokerCheck
  • LPL Financial Form CRS

Important Information

Check the background of this firm on FINRA’s BrokerCheck.

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.

No client or prospective client should assume that the presentation (or any component thereof) serves as the receipt of, or a substitute for, personalized advice from Lucia Capital Group or from any other investment professional.

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. The investment professionals are affiliated with LPL Financial. No offers may be made or accepted from any resident of any other state.

© 2025 Copyright Lucia Capital Group

We use cookies to ensure that we give you the best experience on our website. If you continue to use this site we will assume that you are happy with it.AcceptDecline