Managing Your Financial Future with Lucia Capital Group

You may have heard or read that Americans aren't saving enough for their retirement years.  If so, there's a good chance... Read more

Did you know that the location of your assets - 401(k), IRA, personal account, Roth - is a big determinant of your ultim... Read more

When taking out a mortgage, people often wonder if it's better to have a 15-year loan instead of a 30-year loan.  They t... Read more

Many people know that long-term care costs are expensive.  In spite of that, they're often reluctant to buy an insurance... Read more

Stock markets are volatile, people are hunkered down in their homes, and life as we know has been put on pause, at least... Read more

The standard, cookie-cutter portfolio often consists of just three main assets: stocks, bonds and cash.  One may argue t... Read more

Many people who aren't old enough to receive their benefits yet don't give much thought to Social Security. They figure ... Read more

With everything that's been going on these days in the stock market, the economy -- the uncertainty of it all -- you mig... Read more

With everything we have going on in our lives right now, with all the new things we have to deal with, it's important to... Read more

It's a fairly well-known and well-accepted fact within the investment world that market timing - attempting to get in or... Read more

During normal times, it's easy to put our financial lives on autopilot.  Our 401(k) contributions happen without us havi... Read more

One of the most potentially useful tools a financial planner has is the ability to create some form of lifetime income f... Read more

Fear does strange things to people.  It can motivate us to take immediate action when a threat is imminent, or it can ca... Read more

So the long bull market finally came to an end.  The drop in equity values was quick, sudden, but not unexpected.  The m... Read more

When it comes to finance, conflicting advice is everywhere.  This is especially true when people have questions about wh... Read more

A few episodes back, we talked about the benefits of charitable giving for both the recipient of the gift and the giver.... Read more

The current bull market is 11 years old as of March, 2020.  This seems to have given more than a few investors the mista... Read more

Between the CARES Act and the SECURE Act, both of which have been enacted, 2020 has turned out (so far) to be a year of ... Read more

The SECURE Act, passed by Congress at the end of 2019 and effective on January 1, 2020, provides several reforms to 401(... Read more

So maybe you looked at your 401(k) balance as recently as mid-February, and then decided you'd finally enough saved up t... Read more