If you’re nearing retirement, or if you’ve already retired, you need to know that your nest egg will last at least as long as you do.
Let's start building your personalized retirement plan
Our specialty is the implementation of The Bucket Strategy®, a retirement strategy that strives to provide you with the income you need in retirement no matter what the current economic and market conditions may be. It’s all about confidence. Your confidence.
Complete the form below to speak to a Lucia Capital Group financial advisor and build your personalized Bucket Strategy plan.
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Gain clarity regarding your financial future.
Receive a personal financial dashboard tailored to your specific goals.
Stay on track to manage your goals.
Get financial guidance and advice from a team of seasoned professionals.
Enjoy a personalized investing experience.
Benefit from a wide array of investment options aligning with your unique needs.
Financial Planning and Investment Management
Financial services to help you and those you love most
We are entirely focused on you.
Our company, our advisory teams, and our investment portfolios were built with you in mind.
We’ll work with you to design a strategy aimed at helping you work toward your unique goals. Then we’ll find suitable investments to match your objectives. We make decisions with your well-being in mind—not our compensation.
Personalized Planning
It begins with a Strategy First® approach
Understanding your needs is our top priority.
We offer comprehensive, integrated financial planning and wealth management services to our clients. The firm’s wealth managers have years of experience in the areas of financial planning, asset management, investment brokerage services, and insurance.
What makes Lucia Capital Group Different
Team Approach and Deep Expertise with Credentialed Professionals
Lucia Capital Group stands out for its deep expertise, boasting a team of financial advisors who hold designations such as Certified Financial Planners (CFPs), Chartered Financial Analysts (CFAs), Certified Public Accountants (CPAs), and Chartered Financial Consultants (ChFCs). With this diverse range of qualifications and specialized knowledge, our professionals bring a comprehensive understanding of financial planning, investment analysis, taxation, and insurance to provide well-rounded guidance tailored to your unique needs.
Lucia Capital Group stands out for its deep expertise, boasting a team of financial advisors who hold designations such as Certified Financial Planners (CFPs), Chartered Financial Analysts (CFAs), Certified Public Accountants (CPAs), and Chartered Financial Consultants (ChFCs). With this diverse range of qualifications and specialized knowledge, our professionals bring a comprehensive understanding of financial planning, investment analysis, taxation, and insurance to provide well-rounded guidance tailored to your unique needs.
Trust, Transparency and Family-Like Culture
Trust and transparency are fundamental values embraced by Lucia Capital Group. We treat both clients and team members like family, fostering a culture of strong relationships and open communication. This commitment to trust ensures that clients feel confident and valued throughout their financial journey.
The Bucket Strategy®: Personalized Investment Allocation
At Lucia Capital Group, we believe in a personalized approach to each client engagement. Our financial advisors work closely with clients to create a comprehensive financial plan that addresses their unique goals and objectives. As part of this process, our advisors develop personalized strategies, including social security claiming, Roth conversion, tax management, and retirement income strategies, before recommending investments.
We employ The Bucket Strategy® approach to determine your investment allocations. By considering different timelines, risk tolerance, and withdrawal requirements, we design a personalized investment strategy that aligns with the overall financial plan, ensuring a disciplined and tailored approach to your wealth management.
The Bucket Strategy® Experience
Discovery Consultation
We begin with an in-depth discovery consultation to understand your unique financial goals, aspirations, and challenges. We take the time to listen to your needs and gather essential information to lay the foundation for a personalized plan.
Customized Plan Presentation with The Bucket Strategy®
Based on the insights gained during the discovery phase, we develop a customized plan tailored to your specific goals. Utilizing our expertise and The Bucket Strategy®, we design an asset allocation strategy that aligns with your risk tolerance and time horizon. This strategy divides your investments into different “buckets” based on their intended purpose and time frame, allowing for a disciplined and balanced approach to wealth management.
Commitment and Account Transfer
After the plan is presented, we ask for your commitment to the plan. We believe in the importance of a strong partnership and mutual commitment. Once you commit to the plan, we’ll guide you through the seamless process of transferring your existing accounts to our custodial partner. Our team takes care of the necessary paperwork, ensuring a smooth transition and consolidation of your investments.
Thoughtful Analysis and Recommendations
As part of our commitment to your financial success, we conduct a thorough analysis of your existing holdings. We carefully assess your current investments, taking into consideration their performance, fees, and alignment with your goals. Our goal is to identify areas where your existing portfolio can be optimized and enhanced while preserving the aspects that align with your objectives. We provide thoughtful recommendations on what should be retained and what may need to be adjusted, ensuring a seamless integration of your current investments with our tailored strategies.
Tax-Sensitive Investment Implementation with Precision
With your accounts already transferred and open, our team moves forward with the tax-sensitive implementation of investments in accordance with your approved plan. We understand the importance of tax efficiency in wealth management. Our experienced professionals carefully consider tax implications and employ strategies to minimize tax burdens while aligning with your financial goals. By strategically managing asset location and employing tax-efficient investment vehicles, we aim to optimize your after-tax returns and enhance the overall tax efficiency of your portfolio.
Ongoing Review and Adaptation
We believe in the importance of continuous monitoring and adaptation. Through regular reviews, we track the progress of your financial plan, assess any changes in your circumstances, and make necessary adjustments to keep you on track towards your goals. We keep you informed about the performance of your investments and provide proactive guidance as market conditions evolve.
Take Charge of Your Financial Future Today
It all comes down to strategy and having a plan.
Personal Retirement Plan from Lucia Capital Group
Don’t let uncertainty and fear overshadow your retirement dreams. Take control of your financial future with The Bucket Strategy®. Contact us today to schedule a consultation with one of our knowledgeable advisors. Let us show you how The Bucket Strategy® can provide the confidence, security, and peace of mind you deserve in retirement.
Our team of financial advisors accesses talent both inside and outside the firm to create a personalized strategy with a carefully selected assortment of investments for each investor. Here’s what’s included in your personalized retirement analysis.
A retirement income strategy for filling the gap between your Social Security benefits and your overall retirement income needs
An asset location strategy showing you tax-efficient ways to draw from your taxable, tax-deferred, and tax-free accounts
An investment implementation strategy that looks at your current investment portfolio before determining which investments best fit your new strategy (as well as recommendations for how your portfolio may be improved to fit your plan)
A deep dive into your specific Social Security situation to help you determine how Social Security fits into your overall retirement plan
A one-on-one consultation with a Lucia Capital Group financial advisor to be held in person, over the phone, or via video conference
Step 1: Schedule Your Appointment
It all starts with your introduction meeting with a Lucia Capital Group financial advisor. Just fill out the form on this page and a member of our team will reach out to schedule an appointment that works with your schedule.
Step 2: Complete the Financial Organizer
Next, a member of our financial planning team will call you at the scheduled time to ask you a few questions about your goals and your current situations. These questions provide us with a picture of your finances and will help us build your retirement income plan.
Step 3: Meet With Your Lucia Capital Group Financial Advisor
Finally, you’ll be presented with custom-tailored retirement income plan that fits your unique needs. You’ll also meet with your financial planning team to further review your goals and assets. With offices across the country, we can meet with you in person, over the phone, or via video chat.