Lucia Capital Group Weekly

Investing and Personal Finance

Sequence-of-Returns Risk: What If You Retire at the Wrong Time?

January 10, 2019

One question that we often get from people who have a little bit of extra money to save is whether or not they should invest that money, or should they use it to pay down (or pay off) their mortgage?

Investing and Personal Finance

Diversification Can Make a Difference

January 3, 2019

One question that we often get from people who have a little bit of extra money to save is whether or not they should invest that money, or should they use it to pay down (or pay off) their mortgage?

Investing and Personal Finance

Tax Management at Retirement

December 12, 2018

One question that we often get from people who have a little bit of extra money to save is whether or not they should invest that money, or should they use it to pay down (or pay off) their mortgage?

Investing and Personal Finance

Pay Off the Mortgage or Invest the Money?

December 6, 2018

One question that we often get from people who have a little bit of extra money to save is whether or not they should invest that money, or should they use it to pay down (or pay off) their mortgage?

Investing and Personal Finance

4 Year-End Planning Tips

November 29, 2018

You may have noticed that 2018 is quickly coming to an end. When it comes to retirement and tax planning, right now can be a really good time to take care of some things that need to be done before the year is out. Unfortunately, this is also a time where people tend to make some not-so-good decisions about RMDs, Roth conversions, asset appreciation – things like that.

Investing and Personal Finance

3 Tips for Buying or Selling a Home

November 14, 2018

If you’re thinking about buying or selling your home, you probably have some questions. The process can be long and stressful, and many of the rules have changed over the past couple of decades. So whether you’re a buyer or a seller (or both), here are 3 tips to help you play it smart.

Lucia Capital Group Weekly

How to Determine Your Retirement Income Needs

November 7, 2018

Everyone’s retirement situation is unique. This means the amount of money you’ll need for income in retirement can be a lot more, or a lot less, than that needed by others your age. However, it’s still a good idea to come up with a personal estimate—one that will put you somewhere in the ballpark of where you may need to be.

Lucia Capital Group Weekly

Avoiding Tax Headaches

November 1, 2018

Do you want to know how to make your life a bit simpler, more organized, and easier for your family to deal with once you’re no longer around? Here’s an idea: start ditching some of those unnecessary financial documents taking up space.

Lucia Capital Group Weekly

These Crazy Markets

October 25, 2018

Do you want to know how to make your life a bit simpler, more organized, and easier for your family to deal with once you’re no longer around? Here’s an idea: start ditching some of those unnecessary financial documents taking up space.

Lucia Capital Group Weekly

Are You Drowning in Financial Documents?

October 17, 2018

Do you want to know how to make your life a bit simpler, more organized, and easier for your family to deal with once you’re no longer around? Here’s an idea: start ditching some of those unnecessary financial documents taking up space.

Lucia Capital Group Weekly

A Better Time to Take Your Required Minimum Distributions

October 11, 2018

During the year you turn 70 ½, you have to begin paying taxes on a certain portion of your tax-deferred retirement accounts, your Required Minimum Distributions (RMDs). The penalty for not distributing at least the minimum is a big one: 50% of the shortfall. Since you’re obliged by tax law to remove this money from its pre-tax status and move it to the post-tax world, when should you consider taking it?

Insurance

Saying Goodbye to “Use It or Lose It” Long-Term Care Insurance

October 3, 2018

Two things are happening with long‐term care: the costs of care keep going up, and along with it, so do the premiums for long-term care insurance. And did you know that your premiums can rise, even though you’ve already got a policy in force?