Securities and advisory services offered through LPL Financial, a registered investment advisor and member SIPC. https://teapaw.org/t.co/ByaEosHXVh
San Diego, CA
Joined November 2014
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Which account should you spend first in retirement?
Your IRA, Roth IRA, or brokerage account?
Most people want one answer.
The truth: the wrong withdrawal strategy can cost you thousands in taxes.
#RetirementPlanning #TaxPlanning
Everyone wants to know:
"How much can I safely withdraw in retirement?"
Wrong question.
The better question is: Where will your income come from when markets fall?
That's where most retirement plans break. Manage your future: luciacap.com/invest-today
#RetirementPlanning
Two retirees. Same portfolio. Same average return.
One runs out of money. The other doesn't.
The difference? Sequence of returns risk.
President Joe P. Lucia explains why the first 5 years of retirement matter more than most people realize.
Contact Us: luciacap.com/invest-today
Lucia Capital Group retweeted
Why the 60/40 portfolio isn’t enough. Learn how financial advisors can improve outcomes with better systems, sequence risk planning, and The Bucket Strategy® in the latest episode of Vaulted Views: rayluciajr.com/podcast/the-e…
Lucia Capital Group retweeted
The fastest way to differentiate as a financial advisor?
Stop showing pie charts.
Start showing time.
Clients don’t live in asset classes.
They live in income needs.
Buckets create clarity.
Clarity builds trust.
Full episode of Vaulted Views drops tomorrow at rayluciajr.com.
#financialadvisor #practicemanagement #retirementplanning
Can you retire at the “wrong time”?
Market timing shouldn’t dictate your retirement.
A strong retirement plan is built to handle volatility — not depend on it.
🎧 Listen: luciacap.com/podcast/financi…
#retirementplanning #financialplanning #marketvolatility
Most people don’t fail at investing because of bad investments. They fail because of behavior, expectations & chasing shortcuts. In this episode, we break down 5 financial truths that can make or break your long-term wealth. luciacap.com/podcast/financi…
#RetirementPlanning #Investing
Think about this: Is stock exposure really the right place to start, or should the focus be on how much of your portfolio needs to be safe to support your income? Find out from Johnny Dean and Rick “The Professor” Plum. luciacap.com/podcast/financi… #retirementplanning #personalfinance
How do you structure your withdrawals so that market downturns do not translate into spending cuts? Johnny Dean and Rick “The Professor” Plum, CFP® tell you how to potentially protect both the short- AND long-term on our new episode: luciacap.com/podcast/financi… #retirementplanning
Most retirement conversations focus on growing assets.
But the real question is:
Will your family actually receive them the way you intend? Beneficiary designations, wills, trusts, taxes, and probate can change everything.
luciacap.com/podcast/financi… #EstatePlanning
Think you get both Social Security checks if your spouse passes away?
In most cases, you receive the higher benefit — not both combined.
Know the survivor benefit rules. luciacap.com/podcast/financi…
#SocialSecurity #RetirementPlanning
Listen to the latest episode of the Managing Your Financial Future Podcast: What Retirees Wish They Had Done Differently - luciacap.com/podcast/financi… #retirementplanning #personalfinance #wealthmanagement
Good investments aren’t enough in retirement.
Where your assets are held impacts taxes, Social Security, and required minimum distributions.
Asset location is a key part of smart retirement income planning. Review your strategy with Lucia Capital Group:👉luciacap.com
The latest episode of the Managing Your Financial Future podcast is out. How much does it matter where your money lives? And how can getting it wrong turn taxes into a long-term problem instead of a short-term nuisance? luciacap.com/podcast/financi…
Lucia Capital Group retweeted
Thank you to @LuciaCapital and @RioVegas and our existing and future partners for spending the night with us at Wayne’s Tailgate Whiskey Tasting & Game.
We’re truly grateful for your continued support and partnership.
Lucia Capital Group retweeted
What a night! 🥂
Thank you once again to @LuciaCapital, @RioVegas, and our existing and future partners for an incredible Saturday night with at Wayne’s Tailgate Whiskey Tasting & Game.
Average returns can be misleading in retirement.
When you’re taking withdrawals, your real return can be far lower, sometimes even negative, even if the portfolio shows strong historical performance.
🎧 Managing Your Financial Future: luciacap.com/podcast/financi…
The 4% rule is a guideline, not a retirement strategy. Your withdrawal rate should reflect your timeline, Social Security decisions, and changing income needs. Not a one-size-fits-all rule: 246 - Debunking 3 Ideas of "Conventional Wisdom" » Lucia Capital Group
#RetirementPlanning
Lucia Capital Group retweeted
On the latest episode of From The Nest brought to you by @LuciaCapital, @Aaron_Cooney talks with returning Spengler Cup All-Star Nikolas Brouillard about his time representing Team Canada.
Full episode available at sandiegogulls.com/podcast.
The Managing Your Financial Future podcast has over 100,000 downloads! Thanks for listening to us over the years. We're happy to help take the fear out of finance. buzzsprout.com/1298675/achie…
