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Lucia Capital Group

Lucia Capital Group Weekly

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.

A Tax Strategy That Could Save You Thousands of Dollars
Lucia Capital Group Weekly

A Tax Strategy That Could Save You Thousands of Dollars

March 3, 2023

Did you ever think that tax management could be fun? Probably not. Our team is comprised with people whom really enjoy figuring out ways to strategize on taxes. And as we make our way through this year’s tax season, we wanted to pass along a strategy that you might want to consider sometime this year.

Is It Possible to Save Too Much for Retirement?
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? 

Know This Before You Transfer Assets to Your Heirs
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

Why Managing Risk May Be the Key to Financial Survival
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. 

How SECURE Act 2.0 Will Affect Your Income and Taxes
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

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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.
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    IRAs, BDCs, REITs, ETFs—Tired of wading through alphabet soup? Let us clearly explain the investing basics you need to know.
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    Are you missing valuable deductions and over paying on taxes? Get educated and protect your nest egg.
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    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.

No client or prospective client should assume that the presentation (or any component thereof) serves as the receipt of, or a substitute for, personalized advice from Lucia Capital Group or from any other investment professional.

The investment professionals are registered representatives with, and securities and advisory services offered through LPL Financial, a registered investment advisor and member FINRA/SIPC. The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. The investment professionals are affiliated with LPL Financial and are conducting business using the name Lucia Capital Group, a separate entity from LPL Financial. No offers may be made or accepted from any resident of any other state.

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