Investing and Personal Finance Archives » Page 2 of 5

Deciding Between a Will and a Living Trust

April 6, 2023

Two of the most popular estate planning tools are a Will and a Living Trust. Both of these are estate planning documents that allow you to name beneficiaries for your assets so they’re distributed to your heirs after your death. But how do you determine which one might be better for you?

Investing and Personal Finance

Have you thought much about your 401k lately? One of the great features of the 401k is its design – you can set it up, forget about it, and let the markets do what they always do. But if you’re about 5 years away from retirement, it might be a good idea to take a second look at your 401(k) allocation.

Investing and Personal Finance

Is It Possible to Save Too Much for Retirement?

February 23, 2023

It probably goes without saying that building a nest egg for your retirement is a good thing. Having more money in retirement usually gives you more options, less stress, and maybe a better standard of living. So what we are talking about? Is over-saving really a problem?

Investing and Personal Finance

Know This Before You Transfer Assets to Your Heirs

February 9, 2023

Here at Lucia Capital Group, we do a lot of work with clients who are planning to pass their assets to their heirs once they’re gone – usually it’s their kids, but not always. In either event, it’s important to know what the benefits and consequences are of inheriting tax-deferred retirement accounts. It’s that… View Article

Investing and Personal Finance

Why Managing Risk May Be the Key to Financial Survival

February 2, 2023

When people talk about reaching their investment goals, they often focus their rate of return. Instead you should focus on instead is risk management: minimizing the damage of unforeseen events.

Investing and Personal Finance

How SECURE Act 2.0 Will Affect Your Income and Taxes

January 26, 2023

The SECURE Act 2.0 was passed at the end of 2022, and there are dozens of provisions in it that may potentially affect you and your retirement savings. What we want to focus on today has to do with Required Minimum Distributions, or RMDs. The RMD is what forces you to draw certain minimum amounts… View Article

Investing and Personal Finance

Why It’s Time to Review Your Bucket One

January 20, 2023

We would like to spend just a couple of minutes talking about current fixed interest rates. Now, we probably don’t have to tell you that interest rates have moved up a lot in 2022. News of the Fed raising rates has been all over the financial news since March when they started the process. What… View Article

Investing and Personal Finance

Value Averaging: The Key to Surviving Market Downturns?

January 12, 2023

A good retirement plan and investment strategy should take market ups and downs into account, capitalizing on both. That’s value averaging.

Investing and Personal Finance

Don’t Fear Stocks in Retirement

January 5, 2023

One of the more common beliefs about retirement finance is that the older you are, the less exposure to equities you should have. In other words, with each passing year in retirement, you should cut back on your percentage of stocks in your portfolio. But we think that’s the wrong approach. In fact, you may want to do the exact opposite.

Investing and Personal Finance

Why You Should Consider Multiple Sources of Retirement Income

December 16, 2022

When it’s time for you to retire, it’s likely you’ll need a source of income to replace your salary. So how do you generate a reasonably stable income that will last as long as you do?

Avoiding a Tax Audit

Are You At Risk For a Tax Audit?

Know This Before You Transfer Assets to Your Heirs

How SECURE Act 2.0 Will Affect Your Income and Taxes

Why It’s Time to Review Your Bucket One

Investing and Personal Finance

Deciding Between a Will and a Living Trust

Is It Time to Re-Think Your 401k Allocation?

Is It Possible to Save Too Much for Retirement?

Why Managing Risk May Be the Key to Financial Survival

Value Averaging: The Key to Surviving Market Downturns?

Don’t Fear Stocks in Retirement

Why You Should Consider Multiple Sources of Retirement Income

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