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Retirement Planning

Conquering Your Financial Fears
Lucia Capital Group Weekly

Conquering Your Financial Fears

April 19, 2022

For a lot of people, finances are a scary thing. The complicated nature of saving, investing, and planning, along with the fear of not having enough money to survive, often causes people to make bad financial decisions. But it doesn’t have to be that way. Here are a few of the most common financial fears along with a few suggestions on how to deal with them,

Five Important Financial Moves to Make at Age 50
Lucia Capital Group Weekly

Five Important Financial Moves to Make at Age 50

April 6, 2022

As you get older, time gets tighter, and your margin for error starts to go way down. With that in mind, if you’re over the age of 50, here are a five money moves that you should take care of in short order.

Four Things to Know About RMDs
Lucia Capital Group Weekly

Four Things to Know About RMDs

March 30, 2022

Required Minimum Distributions (RMDs) from your retirement plans can be a really tricky thing to navigate. As you probably know, RMDs are withdrawals you have to make from most retirement plans when you reach the age of 72 (it was 70 ½ for those of you born before July 1, 1949). The amount you’re required… View Article

Why We Don’t Panic When the Markets Are Down
Lucia Capital Group Weekly

Why We Don’t Panic When the Markets Are Down

March 23, 2022

In any crisis, “playing it safe” to avoid losing your money can seem like the only rational strategy. This is why many investors tend to bail out at the first sign of trouble, which of course sends the markets down even further. But over the past 60 years, we’ve seen repeating patterns of crises, and yet, the market has been resilient, and so far, has recovered every time. 

Ignoring Conventional Advice on Social Security
Lucia Capital Group Weekly

Ignoring Conventional Advice on Social Security

March 10, 2022

Conventional advice says it’s always best to wait as long as possible to take your Social Security benefits so that you can take advantage of the delayed retirement credits that will increase your benefits for each month you wait, up until age 70. Waiting longer means a larger check. And that advice does make sense – sometimes.

The Retirement Crisis That Isn’t
Lucia Capital Group Weekly

The Retirement Crisis That Isn’t

March 3, 2022

You may have heard that there’s a huge retirement crisis in America. They say people aren’t saving nearly enough, they’ll have to rely only on Social Security, and retirees are doomed to run out of money. Even Bankrate tells us that 21% of working Americans aren’t saving anything at all! Sounds pretty scary, doesn’t it?

Target Date Funds: Hidden Risks in Your 401k?
Lucia Capital Group Weekly

Target Date Funds: Hidden Risks in Your 401k?

February 24, 2022

If you’ve got a retirement plan at work, like a 401(k), there’s a pretty good chance that some of your investment options include something called target-date funds.  

It’s Time to Break the 4% Rule
Lucia Capital Group Weekly

It’s Time to Break the 4% Rule

February 17, 2022

If you’ve ever read anything about taking withdrawals from your portfolio at retirement, you probably came across something called the “4% rule.” This idea, which came from a few studies done more than 25 years ago, says you should aim to take no more than about 4% of your portfolio starting value as an annual withdrawal, adjusted annually for inflation, if you want it to potentially last for 30 years.   

Extensions and Due Dates and Forms – Oh, My!
Lucia Capital Group Weekly

Extensions and Due Dates and Forms – Oh, My!

February 10, 2022

Recently we sent out a quick fact sheet on which forms and documents you should expect to receive from your IRA Custodian over the coming days and weeks, along with some tax filing dates for 2022 that you need to be aware of. This week, we wanted to send you this video that gives you a little more information on them.

A Social Security Filing Strategy You May Want to Consider
Lucia Capital Group Weekly

A Social Security Filing Strategy You May Want to Consider

February 3, 2022

Here at Lucia Capital Group, one of the ways we often help our clients is with their decisions about when they should begin filing for their Social Security retirement benefits. This is a decision that causes real concern among some people.

Your Most Valuable Asset May Also Be Your Best Tax Friend
Lucia Capital Group Weekly

Your Most Valuable Asset May Also Be Your Best Tax Friend

January 27, 2022

Have you thought recently about selling your home?   If so, you might be selling at a pretty good time. The Case-Shiller US National Home Price Index tells us that the average price of homes across the country has gone up more than 104 percent since January of 2012, ten years ago. That really adds up to a lot of… View Article

Don’t Be Surprised By These Taxes In Retirement
Lucia Capital Group Weekly

Don’t Be Surprised By These Taxes In Retirement

January 13, 2022

Throughout your working years, you earn your paycheck, and that paycheck is subject to various forms of taxation: federal taxes, state taxes, FICA, Medicare, and maybe a few others.  And the higher your paycheck, the greater the taxes you have to pay. At least that’s the idea. So if that’s the case, it would stand… 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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    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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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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