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 work towards 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 pursue 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

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.

Start Your Strategy

Personalized investment advice and support to help grow your portfolio