Welcome to Lucia Capital Group
Your local and valued partner in investing and financial planning.
Our team of experienced advisors is dedicated to helping you pursue your financial goals through customized strategies tailored to your unique needs.
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Gain clarity regarding your financial future.
Receive a personal financial dashboard tailored to your specific goals.
Stay on track to manage your goals.
Get financial guidance and advice from a team of seasoned professionals.
Enjoy a personalized investing experience.
Benefit from a wide array of investment options aligning with your unique needs.
Investment management for investors of all account sizes
At Lucia Capital Group, we believe that ALL investors should have access to top-tier investment strategies, regardless of their account size. Whether you’re just starting out or have a sizable portfolio, we can help you build and manage your wealth.
Financial organization for Millennials and Gen X
If you’re a millennial or Gen Xer, your financial needs are a lot different from those of a Boomer or a “Gen Zer.” We can help you with things like saving for your kids’ college education, debt management, budgeting, saving for retirement, and more.
Retirement income maximization using The Bucket Strategy®
If you’re nearing retirement age, your biggest concern is making sure your money lasts as long as you do. At Lucia Capital Group, we specialize in creating your retirement cash flow through a Bucket Strategy that’s personalized just for you: one that optimizes your retirement income while managing taxes to help preserve your wealth.
Wealth management for business owners
As a business owner, your primary focus is growing your business and serving your clients/customers. At Lucia Capital Group, our focus is on the financial details that can help you to pursue your business goals. We’ll create for you a comprehensive financial plan that considers both your personal and business finances, including business succession planning, estate planning, risk management, and tax-efficient investment strategies.
Legacy planning for high-net-worth investors
If you’re a high-net-worth investor, your finances require a unique approach that involves knowledge in areas like tax and estate planning, gifting strategies, charitable giving, and trust and estate administration. The Lucia Capital Group advisors have the experience and the resources to help you manage each of these complex issues, and more.
Your Future. Managed.
Lucia Capital Group focuses on financial planning, retirement planning, and investing
At Lucia Capital Group, we believe in transparency and building strong relationships with our clients. We’ll keep you informed every step of the way, providing regular updates on your portfolio’s performance while making periodic adjustments as needed to ensure that you’re on track to manage your financial goals.
Contact us today to schedule a consultation and learn more about how we may help you achieve financial success.
We’re here to help you every step of the way
We understand that managing your finances can be overwhelming and stressful.
We at Lucia Capital Group are committed to helping you pursue your financial goals. As longtime residents of San Diego, and proud sponsors of San Diego Loyal, we’re loyal to you and to the community at large. Contact us today to learn more about our services and how we can help you work towards financial success!
Meet Sarah
Sarah is in her mid-thirties, works for a biotech company, and makes a good salary. Despite that, she’s constantly concerned about whether or not she’s on the right track financially.
Sarah, we get it. You’re trying to balance your student loans, you’re saving for a down payment on a home, doing all you can to maximize your employer benefits, and concerned for your future. We’ll help you take control of your finances so that you can be less concerned about your finances and can focus instead on what’s most important to you.
We’ll help you navigate your employer benefits and 401k, create a budget, set financial goals, and develop a plan to work towards them. We do this for our clients every single day, and we can do it for you.
Meet Tom and Diane
Diane and Tom are married and are nearing retirement. They’ve worked hard all their lives, they’ve saved their money, and are now looking forward to enjoying life. But despite their diligent savings, they’re still concerned about having enough income to last through their retirement. What if they live a long time? How do they keep from running out of money?
Diane and Tom, we get it. At Lucia Capital Group, we design retirement income strategies using the bucket strategy approach, which can help provide you with a steady stream of income throughout your retirement years – money you can’t outlive. Retirement should be a time of relaxation and enjoyment, not stress and worry. Let us help you get there.
Meet Juan
Juan owns a small business, and while he knows a lot about his industry, his concern is that he has virtually no expertise on the financial side. Can he afford an employee or two? How does he best save for retirement? How can his business save on taxes?
Juan, we get it. Running a business can be tough, and it’s challenging to balance your personal and business finances. That’s why we offer specialized wealth management services that consider both your personal and your business finances. We can develop a strategy that may help you minimize taxes both personally and professionally, and can help you plan for future growth in your business.
Meet the Garcia family
The Garcias are a high-net worth family and want to make sure that there’s a legacy left for their children and grandchildren.
Mr. and Mrs. Garcia, we get it. Preserving your wealth and leaving a legacy is important to you. At Lucia Capital Group, we offer customized wealth management services that will help you navigate the complex tax and estate planning issues so that you can leave a legacy that reflects your values and your vision.
We’ll help you create a tax-efficient portfolio that maximizes your after-tax returns, and we’ll provide you with access to unique investment opportunities and alternative investments that may help you achieve all your financial objectives.
This is a hypothetical situation based on real life examples. Names and circumstances have been changed.
Take Charge of Your Financial Future Today
It all comes down to strategy and having a plan
Here’s what’s included with your
Personal Retirement Plan from Lucia Capital Group
Our team of financial advisors accesses talent both inside and outside the firm to create a personalized strategy with a carefully selected assortment of investments for each investor. Here’s what’s included in your personalized retirement analysis.
A retirement income strategy for filling the gap between your Social Security benefits and your overall retirement income needs
An asset location strategy showing you tax-efficient ways to draw from your taxable, tax-deferred, and tax-free accounts
An investment implementation strategy that looks at your current investment portfolio before determining which investments best fit your new strategy (as well as recommendations for how your portfolio may be improved to fit your plan)
A deep dive into your specific Social Security situation to help you determine how Social Security fits into your overall retirement plan
A one-on-one consultation with a Lucia Capital Group financial advisor to be held in person, over the phone, or via video conference
Step 1: Schedule Your Appointment
It all starts with your introduction meeting with a Lucia Capital Group financial advisor. Just fill out the form on this page and a member of our team will reach out to schedule an appointment that works with your schedule.
Step 2: Complete the Financial Organizer
Next, a member of our financial planning team will call you at the scheduled time to ask you a few questions about your goals and your current situations. These questions provide us with a picture of your finances and will help us build your retirement income plan.
Step 3: Meet With Your Lucia Capital Group Financial Advisor
Finally, you’ll be presented with custom-tailored retirement income plan that fits your unique needs. You’ll also meet with your financial planning team to further review your goals and assets. With offices across the country, we can meet with you in person, over the phone, or via video chat.
Commonly Asked Questions
There is no cost. Our mission is to help people prepare for retirement and understand their current financial situation. We also believe that once you see what we’re able to do for you from a financial planning prospective (investing, planning, Social Security decisions, and more), you’ll want to continue the relationship and work with us over the long term.
In many cases, yes! With this offer, we’ll show you ways to potentially structure your portfolio in a tax-advantaged manner so that you won’t ever pay more taxes than you have to on your Social Security benefits—you may even pay no taxes at all!
Social Security taxation is the government’s way of taking back some of the Social Security benefits they’ve promised you’ll get, and it’s affecting a lot more people now than it used to.
The income thresholds for taxation of benefits have been fixed since they were implemented back in 1983 and 1993. Because of this, more people are required to pay taxes on at least some of their benefits now than ever before—and the amount of taxable benefits is going to continue to rise.
