Financial Planning for Your Future

A wealth management platform designed with you in mind

Personalized Planning

It begins with a Strategy First® approach

Understanding your needs is our top priority. We offer comprehensive, integrated financial planning and wealth management services to our clients. The firm’s wealth managers have years of experience in the areas of financial planning, asset management, investment brokerage services, and insurance.

When designing your portfolio, your needs come first. While many firms immediately focus on investing, we take the time to get to know you and your goals. Our Strategy First® approach means that we put financial planning first, which is something we feel is very unique to our business.

We’ll design a strategy aimed at helping you reach your goals that is custom tailored to your specific financial situation. Then we’ll find appropriate investments suited to your unique goals and objectives. The only factor driving our recommendations is what we believe fits your specific situation.

Personalized Financial Planning
Tax Management

Planning for tax efficiency

We work with our clients to find tax-efficient strategies and investments whenever possible. Whether you are in an accumulation phase and trying to minimize turnover in your after-tax accounts, a business owner trying to manage your tax bracket by coming up with savings strategies to reduce your taxable income, or designing tax-efficient withdrawal strategies for retirement, we are here for you. Managing for tax efficiency is a key component of our financial planning approach.

Planning for tax efficiency
Financial Planning

A personalized approach to wealth management

Our wealth management program is a household fee-based program providing a high level of personalized investing. The platform allows you to invest in a combination of professionally managed investment strategies and products to help you meet your goals.

Our financial advisors prepare a financial plan and give you the tools to help you organize all of your financial information in one place while providing ongoing advice and monitoring all of your accounts, including investments outside of our fee-based management programs.

A Personalized Approach to Wealth Management
The Accumulation Phase

Growing your wealth

Growing your nest egg requires asset allocation, individualized asset location, and tax management. You’ve got some time; use it wisely! Our goal is to position all of your assets, utilizing allocation and location, with an eye on tax management and growth.

Individuals and families have needs that must be met in the event of an untimely occurrence. We use insurance planning techniques that may help you minimize or eliminate the aftershocks.

Saving for Retirement
Planning for Retirement

Your retirement is not too far away

You’ve accumulated your assets and look toward drawing a portion of them down once the paychecks stop coming in. Like a pilot guiding an aircraft, our goal is to help you to make vital yet necessary adjustments to achieve a smooth landing.

The Bucket Strategy®

Your income should not be decided by market conditions. The Bucket Strategy® aims to match your short-term financial needs to your short-term assets and your longer-term needs to your longer-term assets.

Healthcare and long-term care

Healthcare and long-term care needs are often ignored until it’s too late. We’ve got a variety of strategies and products designed to take over when the unexpected occurs.

Tax management

Taxes can be the largest drag on your portfolio’s returns; therefore, tax management is one of the biggest components of our retirement strategies.

Estate Planning

Leaving a legacy is not just for the ultra-wealthy

Your estate consists of everything you own. Your plan should map your assets for you now as well as for your heirs down the road.

Family concerns and trust services

Passing assets from one generation to the next can be costly and time-consuming—but it doesn’t have to be. We will coordinate with your estate planning attorney and devise a plan that aims to efficiently transfer your estate according to your wishes.

Philanthropic giving

If you’re charitably inclined, you may have some options available to you that could lower your tax bill both now and in the future: QCDs, CRTs, and other “alphabet soup” strategies are just some of the options you may consider on the advice of your advisor.

Leaving a Legacy
Small Business Consulting

Your business is your craft, and you know it well

We’ll help you devise a plan that aims to keep your small business growing and thriving.

Small business owners have challenges and needs specific to both their goals and the goals of their business ventures. Growing a business requires careful thought toward taxes, labor laws, incorporation, and a host of other details. If you have employees, you may want to set up retirement plans for them (such as an employer-sponsored plan, a defined contribution plan, or a defined benefit plan), as well as one for yourself. Or maybe you’re ready to retire and it’s time to let someone else take over the reins.

Whatever your situation, Lucia Capital Group’s advisors have decades of combined experience with small business planning, and our goal is to help your business thrive—not merely survive.

Small Business Consulting
Ready to Learn More?

Watch recent videos on retirement planning

The Top 3 Risks in Retirement
Lucia Capital Group Weekly

The Top 3 Risks in Retirement

December 5, 2019

What is the essence of financial planning? At its most basic level, it’s really all about risk management. This is true about any kind of planning, really. Whether you’re planning a vacation, a wedding, or a big project at work, it’s the risk side that gets the most attention. The greater you feel your potential risks are, the more detailed your plan is likely to be. When it comes to retirement, people often face more risks than they did during their working years. And while there are probably a dozen or more different types of risk that retired people face, most of them can be placed into three distinct categories: living too long, dying too soon, and getting sick along the way.

Social Security’s Unintended Consequence
Lucia Capital Group Weekly

Social Security’s Unintended Consequence

November 21, 2019

You may have heard that Social Security Administration provides something called “survivor benefits,” where qualifying surviving spouses can receive benefit payments as long as certain conditions are met. These benefits were established back in 1940, when there was primarily one household wage-earner and one stay-at-home spouse. The intent was to ensure that if the wage-earner (i.e., the one with the Social Security benefit) died, the survivor would continue to receive that benefit and not have to worry about taking a cut in income. But now that there are so many two-income households, and thus (often) two Social Security benefits, the survivor benefit rules may actually create the unintended consequence of a real cut in your total benefit amount: ironically, the very problem that the benefit is supposed to solve.

Turn Your Roth IRA Into a Super-Roth
Lucia Capital Group Weekly

Turn Your Roth IRA Into a Super-Roth

November 14, 2019

Roth IRAs can be wonderful savings instruments for people looking for tax-free growth potential. But because a Roth IRA is (of course) an IRA, that means you’re stuck with the relatively low IRA contribution limits of $6,000 (or $7,000 if you’re at least age 50). A 401(k) plan, though, has much higher contribution limits at $19,000 (or $25,000 age 50+). Further, some employers also allow for after-tax contributions to their 401(k) plan, meaning that you could potentially contribute up to $62,000 to your company retirement plan, depending on your age and some other factors. These higher deferral limits may offer you the rare opportunity to eventually roll all of your post-tax money from your 401(k) into your Roth IRA – WITHOUT having to do so on a pre-tax/post-tax pro-rata basis.

Why Your Home May Be Your Best Tax Friend
Lucia Capital Group Weekly

Why Your Home May Be Your Best Tax Friend

November 7, 2019

So have you thought recently about selling your home? If so, you might be selling at a good time.  The Case-Shiller US National Home Price Index tells us that the average price of homes across the country has gone up about 56 percent since its most recent low level back in February of 2012.  For some people in certain housing markets, that adds up to a lot of gain, especially if they’ve owned their primary home for the past seven years or more. But you might also be concerned that you’ll have to pay a bunch of taxes when you sell because your home has gone up so much in value.  Well, there may be some good news for you.  You may be able to keep most – if not all – of the money you get from the sale of your home.

Start Your Strategy

Personalized investment advice and support to help grow your portfolio