Lucia Capital Group Weekly Archives

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

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.

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

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

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

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

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

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.

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

Investing and Personal Finance

Want to “Mega-Fund” Your Roth IRA?

July 13, 2023

We’ve discussed in a previous video about the potential benefits of having money inside a Roth IRA: specifically, that qualified distributions from a Roth don’t count against you when calculating the taxability of your Social Security benefits. Whether it’s a Roth IRA or 401(k), the potential tax-free nature of Roth withdrawals can make them an… View Article

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

How the “Conventional Wisdom” May Cost You in Taxes

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

Why Building Wealth and Keeping It Are Two Different Things

How Can You Build a Substantial Nest Egg?

Did Your Paycheck Suddenly Increase by 6.2%?

Retirement or College: Which Should You Fund First?

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

Want to “Mega-Fund” Your Roth IRA?

Lucia Capital Group Weekly

How Protected Income May Greatly Enhance Your Retirement

Top 5 Must-Know Facts About Required Minimum Distributions

Why Never and Always Are Bad Investment Words

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