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

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.  
Manage Risk, Not Return
Lucia Capital Group Weekly

Manage Risk, Not Return

February 6, 2020

When it comes to investing, people often make the mistake of focusing on the wrong goal. Certainly, most everyone would like to see a good rate of return on their investments, and it’s nice when that happens, but trying to manage your way into achieving a high rate of return is almost always a fool’s game. Day trading, chasing yield, acting on short-term market predictions, and other gambits are not only time-consuming, but also time wasting. There is simply too much that is out of your control. A better way to go may be to focus instead on what is actually manageable: the amount of risk you take. While lower risk usually offers lower rewards, it may also potentially protect your portfolio from loss. This may be especially true over longer periods of time — and when it comes to stock (equity) investments, a long time horizon is essential.

Two Roth Rules You Need to Know
Lucia Capital Group Weekly

Two Roth Rules You Need to Know

January 30, 2020

Roth IRAs have been around for more than two decades, and their tax-free withdrawal potential is an important retirement planning asset for many people. But violating the rules of the Roth can easily create a taxable event for you — thus defeating the purpose of having a Roth in the first place. That’s why it’s a good idea to understand how they work. Two important rules that people tend to overlook have to do with what we call the “five-year clock.” Earnings within a Roth IRA sometimes have to wait out this clock before they’re eligible for tax-free (or penalty-free) status. It often depends on how the money got into your Roth in the first place.

Start Your Strategy

Personalized investment advice and support to help grow your portfolio