(800) 644-1150
  • Manage Your Future
  • Client Access
  • How We Help You
    • Financial Planning
    • Investing for Your Future
    • Managing Your Retirement Income
    • Managing Your Risk
  • Wealth Education
    • Articles and Videos
    • Events
    • Podcast: Managing Your Financial Future
  • About Lucia Capital Group
    • Meet the Team
    • Locations
    • Careers
    • Contact Us
  • FINRA BrokerCheck
Lucia Capital Group
  • (800) 644-1150
  • Contact Us
  • FINRA BrokerCheck
  • Client Access
  • How We Help You
    • Financial Planning
      Full-service financial planning
    • Investing for Your Future
      Investment and asset management
    • Managing Your Retirement Income
      The Bucket Strategy®
    • Managing Your Risk
      Insurance, annuities, and long-term care
  • About Us
    • About the Firm
      Learn what sets us apart from the pack
    • Meet Our People
      We aim to exceed your expectations
    • Locations
      Find the office closest to you
    • Careers
      Join the Lucia Capital Group team
    • Contact Us
      We want to hear from you
  • Wealth Education and Events
    • Articles and Videos
      The full list of articles, videos, and resources
    • Events
      Register today for a live event or webinar
    • Podcast: Managing Your Financial Future
      A podcast all about financial strategies
  • Manage Your Future
Lucia Capital Group

Tax Planning

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.

How to Take Advantage of Your Zero-Percent Tax Bracket
Lucia Capital Group Weekly

How to Take Advantage of Your Zero-Percent Tax Bracket

September 9, 2022

Introduction We talk a lot about tax management, and for good reason. Knowing how various kinds of income are taxed may allow you to minimize your tax bill by taking advantage of what the tax brackets and tax laws give us. For example, did you know that the first $26,000 or so of income for… View Article

Your Guide to This Year’s Tax Forms and More
Articles

Your Guide to This Year’s Tax Forms and More

January 19, 2022

As the new tax season has officially begun, we’ve been getting some questions from clients who want to know what forms and documents (i.e., 1099s, form 5498, etc.) they should expect to receive over the coming days and weeks.

What to Do If (When) Your Taxes Start Going Up
Articles

What to Do If (When) Your Taxes Start Going Up

December 6, 2021

Not knowing what Congress will do should not stop you from planning One variable that is hard to plan for in retirement is taxes. There are steps you can take, though, despite the uncertain tax landscape. We don’t even know what the tax rates will be next year, so how can you plan for 20… View Article

Two Roth Rules You Need to Know
Lucia Capital Group Weekly

Two Roth Rules You Need to Know

September 14, 2021

The Roth IRA was made available to us back in 1998, and for many people it’s been a useful tax-advantaged tool to help save for retirement.  If you’re unfamiliar with the Roth IRA, it works like this: You put money in on a post-tax basis, and, if you follow the rules properly, any potential gains you realize from… View Article

Four Things You Must Do at Age 50
Lucia Capital Group Weekly

Four Things You Must Do at Age 50

April 9, 2020

A person in their 20s seems to have just about all the time in the world – or so it may seem to them. And that may be a somewhat correct assumption when it comes to their long-term finances, like saving for retirement. But ask just about anyone who’s at least age 50, and they’ll tell you that the time went by quickly, and now that their retirement date is much closer, they realize they have far less margin for error. If you’ve reached the age of 50 and your retirement date is approaching, but still a decade or more away, you may have a unique opportunity to take care of a few very important things. In fact, making a few small changes or updates right now could potentially save you time, money and aggravation when you finally make it to retirement.

The College Saving Dilemma
Lucia Capital Group Weekly

The College Saving Dilemma

April 2, 2020

Every parent wants what’s best for their kids, so it’s natural for them to feel the need to help them wherever they can. As a result, many new parents begin to save for their child’s college education immediately, guessing (perhaps correctly) that tuition costs 18 years from now will have risen almost unimaginably high. And that may be a very good idea. What’s not a good idea, though, is to take the money you were saving for your own retirement and redirect it to a college savings account for your children. Shortchanging your retirement savings, especially in the earlier stages of your working life, can ultimately cause much bigger problems for you down the line.

This Is Why We Strategize!
Lucia Capital Group Weekly

This Is Why We Strategize!

March 13, 2020

When markets are good, when equity values are rising, it can be difficult to be the lone voice that sets out to remind people that the good times don’t last forever. It’s a tough sell. But as we’ve seen over just the past several days, things can turn around, and turn around quickly. We can’t predict when, why or how – we only know they will. Absent a fully-functioning crystal ball, the only thing we really can do is to be ready when it hits. This is why we say that having a strategy is absolutely crucial. Buildings have fire exits, homes have storm cellars, and prudent investors have a plan. And while no plan or strategy is completely infallible, it’s a good bet that those who strategize for the bad times may be better prepared when they occur. True, the up-markets don’t last forever, but then again, neither do the down-markets. Lucia Capital Group Chairman and CEO Ray Lucia Jr. offers some words of encouragement in this Bonus Edition of Lucia Capital Group Weekly.

Is It Time to Restructure Your 401(k)?
Lucia Capital Group Weekly

Is It Time to Restructure Your 401(k)?

March 5, 2020

One of the nice things about a 401(k) plan is that it’s automatic. You set it up, create your allocation, decide what percentage of your income will go in each pay period, and just let it happen from there. Many people don’t give it much thought after that. And that may be fine, if you’ve still got 10 years or more until retirement. But as the date gets closer to when you’ll actually need to access that 401(k) money, the set-it-and-forget-it approach often becomes less beneficial. You begin to subject yourself to market risks if you don’t change your allocation to include some less-volatile assets. Many people recognize this, and actually do make changes to their 401(k) allocation. But there’s another step that you may be missing — a crucial step that you need to consider, well before you retire.

The 4 Steps of Retirement Income
Lucia Capital Group Weekly

The 4 Steps of Retirement Income

February 27, 2020

Financial planning is our business; it’s what we do every single day. And since no two people have the exact same goals, risk tolerances, investments, and income needs, every single plan we put together is different. Much of the planning process boils down to this: How do we create enough retirement income for you to live the way you want to live, without having to worry about how long your money will last? Some people have all the income they’ll ever need, and more. Others require some extra careful planning to meet their goals. But while the details of each plan may be vastly different, there are some common basic steps that we use to formulate each one.

3 Questions Every Confident Investor Should Ask
Lucia Capital Group Weekly

3 Questions Every Confident Investor Should Ask

February 21, 2020

The current bull market for stocks began on March 9, 2009. But the belief among some investors at that time was that stocks still had farther to fall, and the worst was still to come. They were wrong. Now, nearly 11 years later, we still have not seen another bear market in the S&P 500. This situation has created in the minds of some investors that stocks will continue to climb forever – a mistaken idea that could have dangerous consequences. When markets are flying high (or, conversely, when they’re sinking into oblivion), it can create a recency-bias mentality that may cause you to stray from your stated investing objectives. You may be tempted to make a risky move in response that you’ll later wish you hadn’t: a move that may be irreversible. Before you make a move like that, either out of fear or elation, you should ask yourself three important questions.

Can You Control the Uncontrollable and Forget the Rest?
Lucia Capital Group Weekly

Can You Control the Uncontrollable and Forget the Rest?

February 13, 2020

In last week’s video, we explained why it’s often better to manage the amount of risk you take in your portfolio, rather than trying to achieve a high rate of return.  We showed how two sets of hypothetical portfolios, both with the exact same investments over a 10-year period of time, could have entirely different outcomes — simply by changing the date that a retiree began taking withdrawals. In this week’s edition of Lucia Capital Group Weekly, our “Professor” Rick Plum takes that same hypothetical scenario and expands the time horizon by another ten years.  How did these two (imaginary) identical portfolios fare after a 20-year time horizon? You may be surprised.  

Posts navigation

1 2 Next

Select a Topic

  • All Articles and Videos
  • Lucia Capital Group Weekly
  • Podcast: Managing Your Financial Future
  • Market Commentary
  • Investing and Personal Finance
    IRAs, BDCs, REITs, ETFs—Tired of wading through alphabet soup? Let us clearly explain the investing basics you need to know.
  • Retirement Planning
    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.
  • Life Planning
    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.
  • Tax Planning
    Are you missing valuable deductions and over paying on taxes? Get educated and find out.

Take control of your financial future

Get Started Now or call us (800) 644-1150

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.

About

  • Our Firm
  • Meet the Team
  • Locations
  • Careers
  • Contact Us

Education

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

Important Links

  • Client Access
  • Disclosures and Privacy Policy
  • Important Disclosure Regarding Your Personal Financial Dashboard
  • FINRA BrokerCheck

Important Information

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.

© 2023 Copyright Lucia Capital Group