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Insights

You may have heard of the so-called “4% Rule” which is the idea that a retiree can withdraw 4% of a portfolio’s original value per year and still be reasonably certain that their money will last as long as they do. But what if you’re a lot younger than the average retirement age?

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On behalf of all of us at Lucia Capital Group, we wish you a happy holidays!

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On behalf of all of us at Lucia Capital Group, we wish you a happy Thanksgiving!

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We are excited to announce the release of our 2017 third quarter market commentary and investment update. Join Ray Lucia Jr. and the investment team as they share their thoughts on the markets, the economy, and what it means for your money.

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Open Enrollment time for the health insurance marketplaces starts on November 1. This means that individuals and their families will have a short window of time to apply for new health insurance, or to switch to a different health care plan in the marketplace under the Affordable Care Act.

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For many people, the Roth IRA has been a great retirement savings tool thanks to the potential tax benefits that come with withdrawals. Unfortunately, due to income limits, not everyone qualifies. But all is not lost for those over limits thanks to a strategy called the “Roth Two-Step.”

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Here’s a little known piece of advice: Qualified Charitable Contributions allow you to make charitable contributions directly from your IRA to qualified public charities, where the amount is excluded from your income. They can also satisfy an upcoming RMD.

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As the end of the year slowly approaches, remember you still have time to make sure that your 2017 Required Minimum Distribution is satisfied. If you don’t take out the required minimum on time, you’ll pay an extra penalty tax of 50 percent of the amount that you missed. If you don’t need the money from your IRA or other retirement accounts, there’s nothing you can do about having to take your minimum distributions. But if your concern is that you don’t want to sell the securities in those accounts to meet the RMDs because you believe it’s a bad time to sell them, I’m going to let you in on a little-known secret: you can take what’s called an “in-kind distribution” from your retirement plan.

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Roth IRAs have certain stipulations associated with them to make sure their tax-favored status isn’t abused. In particular, there are two different five-year rules that are attached to Roth accounts that you need to be aware of.

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Good financial planning decisions go far beyond how and where you invest – they can potentially enhance your lifetime standard of living. It’s important to understand that, because success may not always equal a higher portfolio return in the short term. Here are five intangible ways that a financial advisor can potentially add value to you.

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