Lucia Capital Group (the “Firm”) believes that education is a key step toward addressing your financial goals. As such, the material we provide to you is designed to serve as an informational and educational resource. Accordingly, the material does not constitute an offer or investment advice and makes no direct or indirect recommendation of any particular product or the appropriateness of any particular investment-related option. Your needs, goals, and circumstances are unique, and they require the individualized attention of your financial advisor.
Reports or illustrations (“Reports”) are provided as a courtesy to you and are for informational purposes only. All Reports should be reviewed in conjunction with your fact summary and this Disclaimer page. Additionally, Reports may not reflect all holdings or transactions, their costs, or proceeds received by you.
Reports are provided to you via information obtained by third-party data aggregators under contractual agreement with the Firm. Reports are based on custodian account detail through automated feeds from unaffiliated third parties and/or from you, and they are provided for informational purposes only. Data shown is obtained from sources that the Firm considers reliable, but we cannot guarantee that such data reflects all of your holdings or transactions (or details about their costs or returns). In addition, there may be variations in the Data, because Data providers may implement different calculation methodologies. To the extent that Reports include personal assets that the Firm does not hold on your behalf (e.g., collectibles, real estate, intangible assets/intellectual property, checking and savings accounts, business ownership interests, insurance, personal property, etc.), the value of such assets has not been verified by the Firm and is included for informational purposes only. You should review and confirm the completeness and accuracy of all values before relying on this Data. Furthermore, you should compare the information with the statements, 1099s, and confirmations you receive from the custodian(s) for your account(s) and review and confirm the completeness and accuracy of all Data on a frequent basis to ensure that the results provided herein remain accurate, given any changes that may occur in your financial or personal situation. Assets listed may not be covered by FDIC or SIPC. Questions about coverage that may apply should be directed to the asset provider or sponsor.
Reports may be provided as part of the financial planning services being offered through Lucia Capital Group (“LCG”). However, the term “plan” or “planning,” when used within Reports, does not imply that a recommendation has been made to make a particular investment and may not contain general or specific recommendations for implementation. The results do not constitute an actual offer to buy, sell, or recommend a particular investment or product. All investments are inherently risky. You are under no obligation to implement any recommendations. If you choose, you may implement recommendations through your financial advisor associated with LCG. By doing so, the Firm may make a variety of products and services available to you. This may result in the payment of normal and customary advisory fees, commissions, or other types of compensation to the Firm. This compensation may be more or less, depending on the product(s) or service(s) that your advisor recommends. To the extent that your advisor recommends that you invest in products and services that will result in compensation being paid to the Firm and its advisors, this presents a conflict of interest. For more information about conflicts of interest, please see Lucia Capital Group’s Form ADV Part 2 disclosure brochure at www.luciacap.com.
The information contained in Reports is not written or intended as tax, legal, or specific investment advice. The information provided may not be relied on for the purposes of avoiding any federal tax penalties. You should consult your tax and/or legal advisors before implementing any transactions and/or strategies concerning your finances. The information provided is not intended to be a consolidated statement of your accounts, but rather a guide for planning purposes.
Past performance is no guarantee of future performance, and it is important to realize that actual results may differ from the projections contained in Reports. The presentation of investment returns in Reports does not reflect the deduction of any commissions. Projected valuations and/or rates of return may not take into account surrender charges on products you might own. Deduction of such charges will result in a lower rate of return.
Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy (including the investments purchased and/or investment strategies devised by LCG) will be either suitable or profitable for a client’s or prospective client’s portfolio; thus, investments may result in a loss of principal. Accordingly, no client or prospective client should assume that Reports (or any components thereof) serve as the receipt of, or a substitute for, personalized advice from LCG or any other investment professional.
Insurance product guarantees are subject to the claims-paying ability of the issuing insurance company and are subject to that company’s terms and conditions. Long-term care coverage policies and provisions may not be available in all states.
Approval may be subject to the terms and conditions of the insurance company. Insurance products are offered through Lucia Insurance Services, LLC (CA Insurance Lic. #0H40817).
Earnings from a 529 college savings plan can grow tax-deferred and may be withdrawn free of federal taxes when used for qualified education expenses. Non-qualified withdrawals are subject to a 10% penalty tax.
IRA withdrawals will be taxed at ordinary income rates. Withdrawals prior to age 59½ may also be subject to a 10% penalty tax.
Roth IRA distributions of principal from a Roth IRA are tax-free; however, any earnings will be taxed at ordinary income rates, and a 10% penalty tax will apply if withdrawn prior to age 59½ or within five years of the date the Roth IRA was established, whichever is longer.
You have received and read this Disclaimer. You understand this Disclaimer’s contents, the limitations of Reports, and that none of the calculations or presentations of investment returns are guaranteed.