Your Retirement Plan May Be Off-Track
The investments people choose in their employer-sponsored retirement plans often don’t match their risk tolerance or their long-term financial goals
A mismatch of investment allocations can be very costly if not addressed and can hinder your long-term success. Work with a Lucia Capital Group financial advisor for a professional review of your qualified retirement plan, including 401(k) plans, 403b, 457, TSA plans, and more.
Retirement Planning
The wrong investment allocations can hurt your employer-sponsored retirement plan
With so many investment options available, many people choose something they don’t understand, or they let their company choose the investments for them. If your investments aren’t compatible with your retirement goals, you may be opening yourself up to undue risk or muted growth potential. What’s more, if you plan to retire soon and your 401(k) has too many volatile assets, you’re putting your nest egg at serious risk if the market falls at or near retirement.
If your retirement is a long time from now but you’re invested in a fund that’s weighted down with bonds, you could be missing out on some large potential gains.
Retirement Plan Investment Review
How we can help
At Lucia Capital Group, we developed a program to help you get a more custom-tailored 401(k) allocation that aims to align more closely to your specific situation.
Assesses your risk tolerance, defines your investment goals and works toward optimizing your savings levels
Addresses and potentially maximizes any company match that is offered
Helps you selects more appropriate 401(k) funds that are suitable for your goals and risk tolerance
Works toward potentially minimizing the impact of market declines on your account
Investing in your 401(k) is not a one-time event. It requires monitoring and adjustments so your investments remain on track. Market conditions, economic factors, and personal circumstances can all change over time, which is why it’s important to adapt your investment strategy accordingly, when appropriate. Don’t jeopardize your retirement by having an improper allocation.
Meet with a Financial Advisor
Sign up for a professional investment review of your qualified retirement plan.
Our approach aims to place you in funds that align most closely with your goals and risk tolerance. We employ the same fund due diligence process used by our portfolio management team to construct portfolios for institutional level investors
The cost to review your employer sponsored retirement accounts (401(k), 403(b), 457, TSA plans, etc.) is $497 up front and $20/month, and includes:
Initial consultation with a CFP professional
Review of all investible funds within the retirement plan with allocation list by our portfolio manager, a holder of the CFA designation
Ongoing access to Lucia Capital Group, our advisors, and our resources
An annual review, annual allocation update and ongoing monitoring
Fill out the form on this page and let’s talk about how Lucia Capital Group can help you with your retirement planning.
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There is no guarantee that any investment strategy will meet its stated objective. All investments involve risk, including potential loss of principal. An asset allocation strategy does not ensure a profit or protect against loss.
Before investing, carefully consider a mutual fund’s investment objectives, risks, charges, and expenses. Read the prospectus carefully before investing.
Securities and advisory services offered through LPL Financial, a registered investment advisor and member FINRA/SIPC. The investment professionals are affiliated with LPL Financial and are conducting business using the name Lucia Capital Group, a separate entity from LPL Financial.