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Lucia Capital Group Weekly

Will Social Security Benefits Be Taxable?
Lucia Capital Group Weekly

Will Social Security Benefits Be Taxable?

June 29, 2023

Social Security is often a significant source of income for many retirees or people with disabilities. In some cases, it’s their primary source of income. But one aspect that’s often left out of the discussion is whether these benefits are taxable to the recipient. And yes, Social Security benefits are sometimes taxed. 

Why an Over-Diversified Portfolio Is a Problem
Investing and Personal Finance

Why an Over-Diversified Portfolio Is a Problem

June 14, 2023

Life is filled with risks. Some risks are controllable, others are not. It’s no different with investing. Some investing risks are out of your hands completely, while others may at least be minimized by using certain strategies, like diversification. You’ve probably heard that diversification of your investments is a good thing. And it seems to… View Article

Should You Consider Alternative Investments In Your Portfolio?
Lucia Capital Group Weekly

Should You Consider Alternative Investments In Your Portfolio?

June 1, 2023

You’ve probably heard that it’s important to have what we call “diversification among asset classes.” Strictly speaking, this simply means “don’t put all your eggs into one basket.” And that makes sense on many levels, because it’s almost never a good idea to make a bet on one single sector, or one asset class, or one stock, or… View Article

Should You Take the Roth 401k Option?
Lucia Capital Group Weekly

Should You Take the Roth 401k Option?

May 25, 2023

When given a choice between the traditional 401(k) and the Roth 401(k), how do you decide which one may be better for you?

4 Things Everyone Age 50 or Older Should Do Right Now
Featured

4 Things Everyone Age 50 or Older Should Do Right Now

May 18, 2023

When you’re young, you generally have time on your side.  That’s one of the many great things about youth. Most minor mistakes you make, and even a few major ones, can be solved (or at least diminished) by the passage of time.   As you get older, though, your time window becomes smaller, and suddenly the… View Article

How Much Will You Actually Spend in Retirement?
Lucia Capital Group Weekly

How Much Will You Actually Spend in Retirement?

May 11, 2023

One of the most common retirement questions people ask themselves is this: Will I have enough money to spend in retirement? It’s also a question that we financial planners spend a lot of time thinking about.  I’ve talked before about one of the more popular rules of thumb – the old “4 percent rule,” which… View Article

Yes, Tax Knowledge Is Important
Lucia Capital Group Weekly

Yes, Tax Knowledge Is Important

April 27, 2023

When it comes to investing and financial planning, being well-informed about a particular topic gives you an edge that others don’t have. Even with something as complicated as taxes, just a little bit of knowledge can go a long way.

Three Unique Benefits of a Roth IRA
Investing and Personal Finance

Three Unique Benefits of a Roth IRA

April 13, 2023

Individual Retirement Accounts, or IRAs, are (as the name implies) savings vehicles for your retirement. Pretty simple. You contribute money to it over the years, allow it to grow and compound, and once you turn age 59½, you can begin taking penalty-free distributions if you so desire.  And that’s generally true for all IRAs, whether… View Article

Deciding Between a Will and a Living Trust
Investing and Personal Finance

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? 

Avoiding a Tax Audit
Investing and Personal Finance

Avoiding a Tax Audit

March 31, 2023

Last week we talked about some of the things that might trigger a tax audit.  If you missed that video, we’ll have a link for you in the description. Sometimes, being audited is just pure random chance, but as mentioned in that video, your odds of being audited can go up significantly if your tax… View Article

Are You At Risk For a Tax Audit?
Investing and Personal Finance

Are You At Risk For a Tax Audit?

March 23, 2023

Have you ever gotten something in the mail from the IRS?  It’s kind of scary, isn’t it?  Even if you’re sure you’ve done nothing wrong, just getting that letter seems to trigger an anxiety response, and makes you question yourself before you even read it: “Did I miss something?”    Sure, it’s a scary feeling, but… View Article

Is It Time to Re-Think Your 401k Allocation?
Investing and Personal Finance

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

March 9, 2023

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.

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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.

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    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.

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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.

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