Articles and Videos

Investing and Personal Finance

How to Take Money from Your 401k Before Age 59 ½ Without a Penalty

September 15, 2022

If you’ve ever thought about retiring early – say, before age 60 – you’ve likely thought about how you’re going to be able to create the cash flow you need and to make it last for the rest of your life.   The problem is, you’re not yet old enough to take any Social Security retirement… View Article

Managing Your Financial Future

A Tale Of Two Retirements: One Good, One Bad- Episode 106

September 13, 2022

How is it possible that two individuals could retire with the exact same portfolio allocation and use the exact same withdrawal strategy, and yet one is still going strong after 40 years while the other is completely destroyed before year 10? The problem comes with the uncontrollable element of investing: the stock market itself. What happens with the markets in the first few years after retirement can determine the success or failure of a financial strategy. This is why your strategy needs to anticipate what may happen before it actually does happen. Learn more about how to potentially protect yourself from the uncontrollable market swings with podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

Lucia Capital Group Weekly

How to Take Advantage of Your Zero-Percent Tax Bracket

September 9, 2022

Introduction We talk a lot about tax management, and for good reason. Knowing how various kinds of income are taxed may allow you to minimize your tax bill by taking advantage of what the tax brackets and tax laws give us. For example, did you know that the first $26,000 or so of income for… View Article

Investing and Personal Finance

Are You Retired and Charitably Inclined? Try This Strategy!

September 1, 2022

If you’re at least age 72, you probably know that you’re in what’s called “Required Minimum Distribution” territory. This is when you’re required to take at least a minimum amount of money from your tax-deferred retirement accounts and pay taxes on that amount. For people with especially large accounts, taking even the minimum can result… View Article

Investing and Personal Finance

Why You Should Manage Risk In Your Portfolio

August 25, 2022

When you manage exclusively for returns, you tend to forget about risk; and risk is really the most important part of the equation. This is why it’s far better to manage the risk in your portfolio, because when it comes to investing, returns are not always what you want them to be when you need them. Risk, though, is pretty much guaranteed.

Investing and Personal Finance

Investing: Is It Sometimes Better to Do Nothing?

August 12, 2022

Introduction If you’re like most investors, you’ve probably been hit pretty hard here in 2022. As of mid-July, the S&P 500 index was down almost 19%… this, after having gained almost 27% and hitting all-time highs just the year before. The turnaround was sharp, as investors started heading for the hills toward what they thought… View Article

Managing Your Financial Future

Why Your Portfolio Withdrawal Strategy Matters – Episode 105

August 3, 2022

A lot of people’s attention is focused on building a nest egg: which investment strategies you should use in order to achieve a good rate of return. But surprisingly little notice is given to how you should extract that money at retirement. And this may be the more important aspect. No matter how much money you accumulate over your lifetime, if you’re careless with how it’s eventually spent, it could be gone well before your time is up. So how do you potentially make your money last at least as long as you do? Learn what you need to know about portfolio withdrawal strategies — like Buckets

Managing Your Financial Future

Inflation, Market Volatility and More with Advisor Jonathan Savona, CFP® – Episode 104

July 26, 2022

Are people in a panic about inflation and stock market volatility? Listen to this episode of Managing Your Financial Future with guest Jonathan Savona.

Managing Your Financial Future

Interest Rates, Markets, and More with Advisor Terry Keyes, ChFC® – Episode 103

July 19, 2022

Are people really concerned about interest rates, inflation, and a volatile stock market or are they able to ignore all the noise and just focus on living their lives? You may (or may not) be surprised to learn that those with a financial plan, a strategy that aims to deal with those issues, are far less worried about the future.

Investing and Personal Finance

Managing Sequence of Returns Risk in a Down Market

July 14, 2022

If your portfolio is down in value, taking money from that declining portfolio is a risky move that can have dire consequences. That risk has a name: it’s called Sequence of Returns.

Managing Your Financial Future

How To Pay No Federal Taxes on $100,000 of Income – Episode 102

July 12, 2022

Is it really possible to take a six-figure income and pay no federal taxes? Depending on your income sources, and how you use the tax brackets, it is indeed possible. What it all comes down to is knowing how the tax brackets work, and knowing what income is taxed at what rate. The bigger picture… View Article

Investing and Personal Finance

What the Fed’s Rate Increase Means to You

July 7, 2022

On June 15, 2022 the Fed’s policy-making committee announced a 75-basis point rate increase, the largest one-time hike since 1994. Here’s what the Fed move could mean for you.