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Podcasts

Will You Be in a Lower Tax Bracket in Retirement?- Episode 129
Managing Your Financial Future

Will You Be in a Lower Tax Bracket in Retirement?- Episode 129

March 14, 2023

Does retirement increase or decrease the amount of taxes you have to pay? You might think that once you begin retirement, your tax bill will tend to go up at first, since people normally have much (if not most) of their retirement funds in a company retirement plan (401k, 403b, etc.) – all of which are taxable upon withdrawal at ordinary income rates. But is this really the case?  Should retirees simply resign themselves to giving up a big chunk of their retirement savings to Uncle Sam?

Roth IRA vs. 401k: Which Is Better?- Episode 128
Managing Your Financial Future

Roth IRA vs. 401k: Which Is Better?- Episode 128

March 7, 2023

So you’ve got some money to save for retirement… Where should you put it? Would it be better for you to take a tax deduction right now by contributing to your 401k plan, or would paying the taxes now and socking it away in the Roth, with the potential to take it out tax free later on, be a wiser course of action?  This is a common dilemma for many people. What may be the better option for you?

What’s a “Safe” Amount of Money to Take from Your Portfolio?- Episode 127
Managing Your Financial Future

What’s a “Safe” Amount of Money to Take from Your Portfolio?- Episode 127

February 28, 2023

You’ve finally made it to retirement, and, presumably, you’ve got a certain amount of money saved up that you’ll need to tap into from time to time.  But the problem is that you don’t want to take too much, because you don’t know how long you’ll live, and thus have no idea how much is “too much” to take out. This is a common dilemma for retirees.  You need a certain amount to meet your basic expenses, but the money may have to last at least a few decades.  Is there a “safe” amount you can withdraw each month so that you won’t outlive your savings?

Why Guaranteed Income in Retirement Is So Important- Episode 126
Managing Your Financial Future

Why Guaranteed Income in Retirement Is So Important- Episode 126

February 22, 2023

A steady stream of cash flow is one of the most valuable things you can have, both before and after you retire.  If that income is guaranteed by some entity — the federal government, the PBGC, or the claims-paying ability of an insurance company — then so much the better. Pensions and Social Security are two forms of guaranteed income that people receive usually after they’ve retired. They form the basis of your financial plan and help determine how much extra income (if any) your portfolio will need to provide for you. In other words, the more guaranteed income you have, the less you’ll have to rely on your savings. Why is this so important?

Can an Ex-Spouse Collect Social Security Benefits on Your Work Record?- Episode 125
Managing Your Financial Future

Can an Ex-Spouse Collect Social Security Benefits on Your Work Record?- Episode 125

February 14, 2023

You may have heard that Social Security has something called “Spousal Benefits,” where your current spouse can receive a benefit based on your work record, even if they never held a job in which they paid FICA taxes.  But did you know this rule may also apply to an ex-spouse? We’ve had questions about this in the past, with many people wondering how they can PREVENT an ex from taking a Social Security benefit from them.  But the truth is, while there’s nothing you can do about it, it also won’t have any effect at all on your own benefits. We’ll also answer two other common questions: can I work and still collect a Social Security benefit?  And: are my kids ever eligible to receive a benefit? 

Why Understanding Tax Brackets Is Crucial- Episode 124
Managing Your Financial Future

Why Understanding Tax Brackets Is Crucial- Episode 124

February 7, 2023

The US tax system is by design a complicated beast, and trying to understand it all is a futile challenge. And yet, it’s extremely important that people understand how certain elements of it work. As we so often say, tax knowledge is tax power. Most taxpayers assume that the amount of tax they pay is determined by which tax bracket they’re currently in. This is both a true and untrue statement. If you’re in the 24 percent bracket, does that mean every dollar you earn is taxed at that rate?  Going forward, yes; looking backward, no.

It’s Tax Time: Here’s What You Need to Do Now- Episode 123
Managing Your Financial Future

It’s Tax Time: Here’s What You Need to Do Now- Episode 123

January 31, 2023

It’s tax time! Although tax returns aren’t officially due until mid-April, the first quarter of every year is when the forms arrive in the mail, as we start to compile information to begin the dreaded process of filing. With the myriad forms that so many people have to deal with, it’s good to know which… View Article

RMD Age Is Now Higher – But Should You Really Delay Your IRA Distributions?- Episode 122
Managing Your Financial Future

RMD Age Is Now Higher – But Should You Really Delay Your IRA Distributions?- Episode 122

January 24, 2023

As of 2023, the age when you must begin taking Required Minimum Distributions from your IRAs has been increased. This means you may have as many as three extra years to allow your savings to grow tax deferred. This may sound like a great idea: why pay taxes now when you can delay the inevitable… View Article

Secure Act 2.0: Your Financial Life Is About to Change- Episode 121
Managing Your Financial Future

Secure Act 2.0: Your Financial Life Is About to Change- Episode 121

January 17, 2023

The SECURE 2.0 Act is now law. The legislation was signed by the president in late December of 2022, and it provides a whole slate of changes that are designed to help strengthen the retirement system—and Americans’ financial readiness for retirement. The Act itself contains dozens of provisions, building on earlier legislation that, among other… View Article

Buckets: Taking Advantage of Higher Interest Rates- Episode 120
Managing Your Financial Future

Buckets: Taking Advantage of Higher Interest Rates- Episode 120

January 10, 2023

Interest rates went up quite a bit in 2022 – did you notice?  It’s a pretty sure bet that you did, since everything from mortgages to credit cards to the value of the stock market were affected. But are higher interest rates good or bad?  Depends on whom you ask.  To borrowers, it’s not so… View Article

It’s a New Year – Let’s Get Your Financial House in Order!- Episode 119
Managing Your Financial Future

It’s a New Year – Let’s Get Your Financial House in Order!- Episode 119

January 3, 2023

The new year brings with it some new opportunities, on both the planning and the saving sides. There are new contribution limits on your retirement plans, a fairly large cost of living adjustment on your Social Security benefits, a slight decrease in your Medicare premiums, and much more. Beyond that, there are also new opportunities… View Article

How Your Pension May Reduce or Eliminate Your Social Security Benefits- Episode 118
Managing Your Financial Future

How Your Pension May Reduce or Eliminate Your Social Security Benefits- Episode 118

December 6, 2022

It’s a common scenario: you decide to take your Social Security early, maybe age 62 or 63, and then at age 65 you’ll begin taking your pension benefits.  You’ve already calculated what both your Social Security and pension payments will be, and so you set up your budget and your lifestyle accordingly. But once your… 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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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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