Articles and Videos

Capitalize

CAPitalize Your Child’s Financial Future- Season 2: Episode 14

January 18, 2022

If you’re a parent, you want to see your child succeed. And if you’re a brand new parent, you want to start your child off right, most likely from Day 1. Good idea! And yes – that includes getting them started on their own finances. This doesn’t necessarily mean you’re going to hand them a… View Article

Lucia Capital Group Weekly

Don’t Be Surprised By These Taxes In Retirement

January 13, 2022

Throughout your working years, you earn your paycheck, and that paycheck is subject to various forms of taxation: federal taxes, state taxes, FICA, Medicare, and maybe a few others.  And the higher your paycheck, the greater the taxes you have to pay. At least that’s the idea. So if that’s the case, it would stand… View Article

Lucia Capital Group Weekly

How To Calculate Your Future Retirement Income

January 6, 2022

Figuring out how much income you’ll need for retirement can be one of the biggest challenges in financial planning. This is especially true if your retirement is still 20 or 30 years away. So what’s a good way to estimate how much income you’ll need in retirement? For those whose retirement is at least a couple of decades… View Article

Capitalize

CAPitalize on What Money Goes Where- Season 2: Episode 13

January 3, 2022

Do you have a retirement plan at work? Speaking here about a 401k, 403b, or a 457 plan for governmental and certain nongovernmental employers. If so, you’ve got an opportunity to do some real saving here! What about Roth or traditional IRAs? Where do those come in? After all, those are types of personal retirement savings plans, and with a finite amount of money to put away each month, you might be confused about where your funds may be the most effective.

Articles

Moving our San Diego Headquarters

December 20, 2021

After almost two decades in our current Sabre Springs location, we are excited to announce that on December 16, 2021 we are moving our San Diego headquarters to a NEW LOCATION at 16789 Bernardo Center Drive, San Diego, CA 92128. The new office space in Rancho Bernardo is in the former Pacific Western Bank building…. View Article

Capitalize

CAPitalize Your “Gap” Money – Season 2: Episode 12

December 20, 2021

If you have money left over after your expenses are taken care of, what should you do with it?  This is what we call “gap” money, and where that money ultimately goes may be crucial to your financial success. Before you go off and spend your extra cash on riotous living, you need to ask yourself several (or dozens) of questions first.  What are your options at this point?

Lucia Capital Group Weekly

Year-End Tax Limits for 2021

December 16, 2021

As we get to the end of 2021, it’s a good idea to go over some of the tax laws – and specifically the tax limits – that we have here before the year actually draws to a close.  These are things you need to be aware of as you get ready to fill out that all-important tax… View Article

Lucia Capital Group Weekly

Nearing Retirement? Your 401k Needs Some Attention!

December 9, 2021

By its very design, the 401k plan is more or less a kind of “set it and forget it” type of plan. The idea is that if you save money regularly on a pretax basis, and never see the money in your paycheck, you won’t pay much attention to it, you won’t meddle with it,… View Article

Capitalize

CAPitalize Your Cash Flow – Season 2: Episode 11

December 6, 2021

I read a few surveys that I found to be rather astonishing. It seems that nearly 70 percent of Americans have no household budget, and that 45 percent have absolutely nothing saved for retirement! What’s also interesting (and pleasantly surprising) is that the average American also seems to have a rather large amount of free cash flow each month. Whether you have a lot or a little doesn’t necessarily matter; what matters is what you do with it. In this week’s episode, I talk about what it means to CAPitalize your cash flow and how you may be able to CAPitalize your future without sacrificing your enjoyment of the present. Tune in and find out more!

Articles

What to Do If (When) Your Taxes Start Going Up

December 6, 2021

Not knowing what Congress will do should not stop you from planning One variable that is hard to plan for in retirement is taxes. There are steps you can take, though, despite the uncertain tax landscape. We don’t even know what the tax rates will be next year, so how can you plan for 20… View Article

Lucia Capital Group Weekly

What To Do if You Forgot Your RMD

December 2, 2021

If you’re at least 72 years old this year, here’s a really important question for you: did you take your required minimum distributions (or “RMDs”) from your pre-tax retirement accounts for this year yet? If not, it’s probably a good idea to get that taken care of sooner rather than later.

Articles

Weekly Market Commentary

December 1, 2021

Each week the LPL Financial Research team assembles thoughtful insight on market news.