Lucia Capital Group Weekly

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?

Lucia Capital Group Weekly

Is Now a Good Time to Convert Your Roth IRA?

July 19, 2018

The new tax law passed last year created some generally lower tax rates that are set to expire at the end of 2025. Now may be a good time to take advantage of this window to do Roth conversions before tax rates potentially go back up to 2017 levels or higher.

Investing and Personal Finance

What Does It Take to Be Wealthy?

July 11, 2018

If you were to ask people what their personal definition of “wealth” is, you’d probably get a different answer from just about everyone. You might think that “having lots of money” would be the standard definition, but according to a survey for the Modern Wealth Index from Charles Schwab, only 11% gave that answer.

Lucia Capital Group Weekly

Introducing Your Personal Financial Dashboard

May 24, 2018

Here at Lucia Capital Group, we continually strive to deliver enhanced services to you. We have been working diligently behind the scenes, setting up our client accounts on a new wealth management platform that will give our financial advisors more capabilities when illustrating our advice to you and your family.

Life Planning

Open Enrollment for the Affordable Care Act

October 26, 2017

Open Enrollment time for the health insurance marketplaces starts on November 1. This means that individuals and their families will have a short window of time to apply for new health insurance, or to switch to a different health care plan in the marketplace under the Affordable Care Act.

Lucia Capital Group Weekly

Qualified Charitable Contributions

October 12, 2017

Here’s a little known piece of advice: Qualified Charitable Contributions allow you to make charitable contributions directly from your IRA to qualified public charities, where the amount is excluded from your income. They can also satisfy an upcoming RMD.