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Lucia Capital Group Weekly

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

Why It’s Time to Review Your Bucket One
Investing and Personal Finance

Why It’s Time to Review Your Bucket One

January 20, 2023

We would like to spend just a couple of minutes talking about current fixed interest rates. Now, we probably don’t have to tell you that interest rates have moved up a lot in 2022. News of the Fed raising rates has been all over the financial news since March when they started the process. What… View Article

Value Averaging: The Key to Surviving Market Downturns?
Investing and Personal Finance

Value Averaging: The Key to Surviving Market Downturns?

January 12, 2023

A good retirement plan and investment strategy should take market ups and downs into account, capitalizing on both. That’s value averaging.

Don’t Fear Stocks in Retirement
Investing and Personal Finance

Don’t Fear Stocks in Retirement

January 5, 2023

One of the more common beliefs about retirement finance is that the older you are, the less exposure to equities you should have. In other words, with each passing year in retirement, you should cut back on your percentage of stocks in your portfolio. But we think that’s the wrong approach. In fact, you may want to do the exact opposite. 

Why You Should Consider Multiple Sources of Retirement Income
Investing and Personal Finance

Why You Should Consider Multiple Sources of Retirement Income

December 16, 2022

When it’s time for you to retire, it’s likely you’ll need a source of income to replace your salary. So how do you generate a reasonably stable income that will last as long as you do? 

Stocks and Bonds Are Both Down – Here’s What You Should Do
Investing and Personal Finance

Stocks and Bonds Are Both Down – Here’s What You Should Do

December 8, 2022

Traditionally, when saving for retirement, many people have been advised to divide their portfolio holdings up into a mixture of stocks and bonds.  A 60-40 combination is common, but that ratio varies depending on certain factors, like age.  The idea was that when stocks were up, so were investors’ portfolios.  And when stocks were having… View Article

Save Like a Pessimist, Invest Like an Optimist
Investing and Personal Finance

Save Like a Pessimist, Invest Like an Optimist

December 1, 2022

One of my favorite authors in the blogosphere is Morgan Housel, author of The Psychology of Money.  He said something recently that really got me to thinking about why we believe so much in the power of a Bucket Strategy.   His advice was this: Save Like a Pessimist and Invest Like an Optimist.  So… View Article

What to Do with Sudden Wealth
Investing and Personal Finance

What to Do with Sudden Wealth

November 17, 2022

Introduction Have you ever given any consideration to what you might do if you suddenly received a large sum of money? It’s fun to think about, for sure. Lots of people imagine themselves quitting their jobs and traveling the world, lounging on a beach somewhere sipping a margarita or two. And that’s fine, as far… 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.

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