Retirement Planning

Lucia Capital Group Weekly

The Two Five-Year Roth Rules

September 28, 2017

Roth IRAs have certain stipulations associated with them to make sure their tax-favored status isn’t abused. In particular, there are two different five-year rules that are attached to Roth accounts that you need to be aware of.

Lucia Capital Group Weekly

From Bucket Strategy to Bucket List

September 7, 2017

Retirement can be the perfect opportunity to take a look at your bucket list and possibly make some of those wishes come true. Maybe even invent some new ones that you’d never thought of before. It seems like there’s never been a better chance than now, at your retirement, to make it all happen.

Lucia Capital Group Weekly

Top 3 Unexpected Retirement Expenses

June 28, 2017

You want your money to out-live you, not the other way around, so how do you plan for the unexpected? It may help to know what you’re up against.

Lucia Capital Group Weekly

4 Helpful Tips When Inheriting an IRA

June 7, 2017

IRAs can be wonderful tools for saving for retirement. As it happens, though, many IRAs are not depleted of funds before the account owner passes away, and they wind up in the hands of a beneficiary. If you’ve inherited an IRA, here are four things you should be aware of.

Lucia Capital Group Weekly

When Planning for Retirement, Start Early

April 6, 2017

One of the primary reasons that people come to us as financial advisers is to find out if, and when, they can retire. And you know something? Often times, just the very thought of retirement can cause worry for people… and this can leave them overwhelmed and under-prepared.

Lucia Capital Group Weekly

Lower Taxes in Retirement

March 15, 2017

Here’s something I’ve been hearing a lot lately: that people are foolish for putting money in their 401(k) plans. They say that deferring taxes now and paying them at retirement will cost you because your taxes will be substantially higher in retirement. But for many retirees, that is untrue.

Lucia Capital Group Weekly

Multiple Retirement Income Sources

March 7, 2017

If you’re concerned that your retirement savings won’t last as long as you do, you’re not alone. According to a 2016 Northwestern Mutual study, two-thirds of Americans believe there is some chance that they, unfortunately, will outlive their savings.

Lucia Capital Group Weekly

Turbo-Charge your Roth!

February 15, 2017

I’ve spoken before about the potential benefits of having some tax diversification within your portfolio. There can be a distinct advantage to having both pre-tax accounts, and holding assets in post-tax brokerage accounts which may qualify for special capital gains tax treatment when sold. But maybe the greatest advantage of all could come from post-tax monies invested in Roth IRAs and Roth 401(k)s which can produce tax-free withdrawals and tax free income in retirement. By blending the tax treatment on distributions from different types of retirement accounts, wealthy and even not-so-wealthy retirees and their heirs, could enjoy significant benefits from having a Roth.

Lucia Capital Group Weekly

To Roth, or Not to Roth

January 25, 2017

To Roth, or not to Roth? That’s a question that confronts both financial advisors and their clients alike. Here are three factors that may determine if a Roth IRA might be better for you than a Traditional IRA.

Lucia Capital Group Weekly

What the Department of Labor Fiduciary Ruling Means to You

January 4, 2017

You may have heard about the Labor Department’s so-called fiduciary rule, which requires brokers and others who give retirement advice to act in their clients’ best interests, where previously their advice just had to be “suitable” for a retirement investor. So how could this ruling affect you?

Lucia Capital Group Weekly

The Retirement Age Bands

November 16, 2016

The traditional approach to saving for retirement has been to accumulate a nest egg that’s large enough to replace your income once you’ve stopped working, and to sustain a stable standard of living throughout your retirement. If you don’t have enough money saved up to maintain your current lifestyle for the next few decades, well, you’re not ready to retire, right?

Lucia Capital Group Weekly

5 Things Veterans Need to Know About Retirement Benefits

November 9, 2016

November 11 is Veterans Day, when we all take time to honor those who have served in the US Armed Forces. There are 22 million veterans in the United States, but according to the National Center for Veterans Analysis and Statistics, less than half of that number used some kind of Veterans Benefits Administration service last year. Here are five things every veteran needs to know about their retirement benefits.