Лучшие подкасты про Lucia Capital Group (2024)

1
Six Financial Lessons Everyone Should Know 36:59

5d ago36:59

36:59

Very few things in life are universal, especially when it comes to finances. What’s right for one person may be completely wrong for another. Yet there are certain lessons with money that everyone could benefit from knowing, no matter what a person’s individual circumstances may be. After careful review, we’ve narrowed them down to six. What are th…

1
Should You Pay Cash For a Home, Or Get a Mortgage? 36:42

12d ago36:42

36:42

You may have noticed that real estate prices have been ticking up at a steady rate for the past several years. For many people, that means they have no choice but to take out a mortgage. At the same time, there are those who have either enough current gains or enough cash on hand to consider buying a home with cash. Having the cash to pay for a hom…

1
Roth, Personal, or IRA Funds: Which Should You Spend First? 36:21

19d ago36:21

36:21

Once you hit retirement, you'll probably have money in several types of accounts: a 401(k) from work, some personal money in a brokerage account, your regular checking account at the bank, and maybe some Roth IRAs, to name a few. Once it's time to start withdrawing that money, the important question you should ask yourself is this: from which accou…

1
IRA vs. 401(k) - Which Is Better? 35:52

26d ago35:52

35:52

There are many ways to save for retirement. Two of the most popular are the 401(k) and the IRA. Both are savings vehicles, but both have different attributes that may make one of them better for you. There are advantages and disadvantages to both. Do you need a tax break now? Are you able to deduct contributions to an IRA? Does your company have a …

1
What Percentage of Stocks Should You Own in Retirement? 35:51

1M ago35:51

35:51

You may have heard that stocks are too volatile for retired people to own. In fact, there’s an old rule-of-thumb formula that says you should decrease your stock holdings by 1 percent every year and replace them with bonds. These generic “guidelines,” though, are hardly prudent advice for most people, because everyone’s situation requires a differe…

1
It's Time For Your Mid-Year Money Checklist! 35:44

1M ago35:44

35:44

We're half way through 2024, and it's time to get your financial house in order! What moves, if any, should you have made at this point? What about going forward? There's still time to do some tax management, maybe take a look at your 401(k) plan, and decide how you may want to allocate your investments before the year is out. So what's left to do?…

1
Why Time Is Your Most Valuable Asset in Investing 34:52

2M ago34:52

34:52

What’s your most valuable asset when it comes to investing? Is it maybe knowing the right stock to buy and when? How about a spreadsheet of things like P/E ratios, or being diversified across dozens of different classes? No – as it turns out, your most valuable asset with investing is time. The stock market, despite what you may have heard, is a lo…

1
Why Your Bonds May Not Be Paying What You Think 34:39

2M ago34:39

34:39

When you buy a bond, you might expect that the amount of interest stated on the coupon is the amount of interest that you’ll be receiving. So if you have, say, a $10,000 bond paying 5 percent interest, you probably figure it will pay you $500 each year. But that isn’t always the case. This is where it’s important to understand not just the bond’s c…

1
THIS Is Why We Love The Bucket Strategy® 34:15

2M ago34:15

34:15

It’s been said that the most important rule of finance is to not consistently mess things up. In other words, you need to survive the short-term chaos – and there’s lots of it – to reap the potential long-term rewards. If you can buy enough time to weather the constant storms, you may find yourself in a very good position down the road. The Bucket …

1
Why Engineers May Make Great Financial Planners 35:23

2M ago35:23

35:23

Many times in life, we see how one career field translates extremely well into another. Engineering is a great example of this. A good engineer needs to know what a project’s goal is, put the pieces together in a way that works, and then stress test it to make sure it works in all conditions. Financial planning is a lot like this. What does each in…

1
Roth IRA Strategies for High-Income Earners 35:52

3M ago35:52

35:52

If you're at all familiar with the Roth IRA, you probably know that there are income limits for people who want to make a contribution to a Roth. These limits generally go up a little bit each year, but anyone who makes over a certain amount of money is ineligible to make a Roth contribution. But that doesn't mean those with a high income have no a…

1
The New Rules on Inherited IRAs - What to Know 33:13

3M ago33:13

33:13

Are you in line to inherit an IRA? While inheriting almost any asset is generally a good thing, it's helpful to know the rules - mainly tax rules - that come along with it, especially if you plan on keeping as much of that money as you can. Some new laws went into effect on inherited IRAs within the past few months, and when you combine those with …

1
Is There Really a Charitable Giving Strategy With No Downside? 34:51

4M ago34:51

34:51

Many people who are at Required Minimum Distribution age find themselves wanting to give some of that distribution to charity. They don't need the money to live on, and they'd like to help out their favorite organizations or causes in any way they can. A standard way to do that is to take possession of the RMD, then turn around and write a check to…

1
How Much Money Do You Need to Retire Comfortably? 33:55

4M ago33:55

33:55

How much money does it take for you to retire in comfort? Is it $1 million? $2 million? Far more than that? Far less? Large investment firms and many media outlets often throw out big "retirement" numbers based on small surveys they took of people who may or may not have any clue about how much money they actually need. But it's a fair question. An…

1
What Is Your Wealth Distribution Strategy? 35:23

4M ago35:23

35:23

There are two distinct phases of your financial life. The first one is the years (decades) that you spend accumulating assets: building your savings, investing in retirement plans, etc. The second phase is when you begin taking those accumulated assets as distributions and live off of that income in retirement. The first phase is usually the one th…

1
5 Things You Didn't Know About Your Social Security Benefits 33:49

4M ago33:49

33:49

Social Security is vital part of many people's retirement income. It forms the foundation of a retirement plan and helps to determine how much (if any) money an individual's portfolio will have to provide throughout their retirement. But it's also extremely complex. There's much more to it than simply turning on an income stream once you're eligibl…

1
Your Pension Options: Which One May Be Best for You? 36:23

5M ago36:23

36:23

If you have a pension, the decision of how and when to take the payments is an important one. Are you offered the choice to take the entire amount as a lump sum? If so, is that option potentially better than a stream of monthly payments? What about your other choices? For married people who want to get as much as they can now, are they sacrificing …

1
How to Overcome Your Single Biggest Financial Fear 37:18

5M ago37:18

37:18

What are people's most prominent financial fears? There are many: losing a job, not saving enough for retirement, financial emergencies, and many others. But it all seems to boil down to one basic concern: Not having money available when you need it the most. This creates a lot of anxiety for people - especially for retirees, who rely on a steady s…

1
Why “Blending” Your Buckets May Produce Better Results 35:24

5M ago35:24

35:24

You may have heard that a basic Bucket Strategy® consists of a 3-, 4- or 5-Bucket plan, with each bucket separated into groups of short-term, mid-term, and long-term assets. What you may not have heard is that a good Bucket Strategy will often “blend” buckets to potentially give a retiree a much better overall outcome. What do we mean by “blending”…

1
Tying Your Social Security Benefits Into Your Investment Portfolio 35:44

5M ago35:44

35:44

When you get to retirement, your portfolio - that is, your savings - will presumably provide you with the money you need. The more guaranteed income you have from other sources (like Social Security and pensions), the less your portfolio will have to kick out to you. This is a crucial part of the financial planning process. The time when you begin …

1
Could Value Averaging Be the Key to Surviving Market Downturns? 35:31

6M ago35:31

35:31

It’s just a fact of investing life that the stock market is unpredictable. There will be months or years where the market exceeds expectations, and there will be other times when it underperforms and winds up below where you expected it to be – sometimes, way below. If you don’t have a strong risk management approach to investing, as years like 202…

1
What Are the Biggest Regrets that Retirees Have? 36:56

6M ago36:56

36:56

There aren't many people who make it through their working years without having at least a few things they wish they'd done differently. And while most people can eventually come to terms with any "poor" choices they may have made, it can be very instructive to know what common regrets they have. Did they save enough? Did they work too hard? Did th…

1
Can You Safely Ignore the 4% Rule? 35:32

6M ago35:32

35:32

There’s a popular “rule of thumb” that’s been around for about 30 years known as the “4-percent Rule.” The main idea is that your portfolio has a better chance of surviving for 30 years if you withdraw no more than 4 percent of the total each year. Some have said it should be even lower than that, depending on your investments. But is this so-calle…

1
What Can Trigger an IRS Audit 35:05

6M ago35:05

35:05

If you've ever gotten a letter from the IRS, even if you're sure you've done nothing wrong, you know how stressful that can be. An even greater stress would be to see the word "audit" somewhere in the letter. Your best bet is to be thorough enough on your tax return so as to avoid any and all correspondence with the IRS when it comes to your taxes.…

1
Why (Almost) Everyone Needs an Estate Plan 34:15

7M ago34:15

34:15

Do you care what happens to your money and your assets after you die? Most people would probably answer that with an emphatic “yes,” even if they don’t have multiple millions saved up. Whether you know exactly where you want your money to go, or you only know where you DON’T want your money to go, it’s crucial to have the legal documents in place t…

1
A Peek Inside a Bucket Strategy 35:39

7M ago35:39

35:39

“Everyone’s situation is different.” If you’re a regular listener to this podcast, you’ve heard that many times. Because of that, the Bucket Strategy can take many different forms, each one dependent on a person’s individual goals, risk tolerances, and temperaments. Have you ever wondered how an advisor might put together someone’s strategy, given …

1
How to Make Use of the Zero-Percent Tax Bracket 36:33

7M ago36:33

36:33

If you look at the tax tables, you’ll see that there are seven different tax brackets listed: 10%, 12%, 22%, and on up to the highest bracket at 37%. But did you know that there’s also a certain amount of money you can earn that’s not taxed at all? While there’s not an official “0% tax bracket,” the truth is that the first $14,600 you earn as a sin…

1
Is a Fixed Annuity a Better Alternative to Bonds? 35:18

8M ago35:18

35:18

Today’s topic is a follow-up to a similar discussion we had on this podcast in late 2022. Back then, interest rates had risen as bond values (and stock values) took a nosedive. The question at the time was: where should you go for your “non-volatile” asset class, if bonds don’t seem as attractive? Now that interest rates have somewhat stabilized, b…

1
What Is Your RMD Withdrawal Strategy? 34:10

8M ago34:10

34:10

A few episodes ago we talked about how to keep your tax bill down when planning for Required Minimum Distributions (RMDs). After that show aired, we received a good question from a listener in Arizona who wanted to know what a good withdrawal plan would be for someone who is actually taking their RMDs. For example, would it be prudent for someone t…

1
Can You Really Pay Less in Taxes on Your Social Security Benefits? 34:25

8M ago34:25

34:25

For most people, taxes are just a fact of life. Even your Social Security benefits – for which you had to pay taxes to be eligible to receive – are subject to taxation under certain circumstances. And this tax bite can hit you unexpectedly and put a sizable dent in your benefit income. Is there anything you can do about this? First, you need to rec…

1
Why Risk and Volatility Are Not the Same, and Why That Matters to You 32:59

8M ago32:59

32:59

What creates fear and anxiety when it comes to stock market investing? Usually, it's when the markets are behaving erratically. Put another way, it's when the markets are volatile. Or to put it yet another way, it's during virtually every short-term measurable time period. Stocks are always volatile in the short run. But stock market investing shou…

1
Why Having Protected Income Is Vital in Retirement 35:04

9M ago35:04

35:04

One of the most valuable things you can have, both before and after you retire, is a steady stream of income. What makes it more valuable to you is if that income is protected (meaning "guaranteed") by some entity, like the federal government, the PBGC, or the claims-paying ability of an insurance company. Two forms of protected income that people …

1
Is Right Now a Good Time to Do a Roth Conversion? 32:23

9M ago32:23

32:23

Converting your traditional IRA to a Roth IRA is not a decision that should be taken lightly. While tax-free growth is always nice, sometimes the price you have to pay – mostly income taxes on the conversion – makes it not worth doing. But for many people, right now may be the perfect time to convert their pre-tax funds into a Roth. How do you know…

1
How to Retire in Any Market Conditions 34:49

9M ago34:49

34:49

Many people have a retirement savings goal in mind, a level of money that they believe is enough. Once they reach that goal, they feel they’re ready to retire. And that’s a good plan. But what happens if your nest egg takes a big hit from the stock market just after you hang it all up for good? Do you really have to either go back to work, or maybe…

1
Why You Need the Right Portfolio Withdrawal Strategy 38:37

9M ago38:37

38:37

People tend to focus a lot of their attention on building their nest egg: which investment strategies to 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 …

1
The 2023 RMD Rules Have Changed: How to Keep Your Tax Bill Down 37:31

10M ago37:31

37:31

Just a few years ago, the rules regarding Required Minimum Distributions (RMDs) were fairly simple: you turned age 70 ½, you had an RMD. But since the passage of the SECURE Acts, you may – or may not – be required to take an RMD this year. How do you know? That answer isn’t necessarily an easy one, for both IRA owners and for those who are the bene…

1
Is Sequence of Returns Risk a Threat to Your Nest Egg? 35:26

11M ago35:26

35:26

After years of building your savings, there are a number of scenarios that threaten to deplete it. One of them is called Sequence of Returns Risk. Simply put, this means that if you retire just when the stock market takes a downturn, and you're selling stocks to provide yourself with an income, you're courting disaster. What can you do about this? …

1
Strategies To Protect Your Family's Wealth 35:03

11M ago35:03

35:03

Most people are aware that there are two phases of your financial life: building your life savings, and then distributing that money to you at retirement. But there's a third phase that happens after you're gone, which many people pay less attention to than they should: distributing your life's assets to your heirs. Making sure your money and your …

1
How to Know If Your 401k Is Properly Structured 32:14

1y ago32:14

32:14

The 401k is designed to be a “set it and forget it” type of retirement plan: Set your allocation based on your age and risk tolerance, then contribute money each pay period, and let compounding do its job from there. And that’s a good thing. But part of the potential success of your 401k plan has to do with how it’s structured to begin with. You ma…

1
What Are The Best (and Worst) Assets to Inherit? 32:32

1y ago32:32

32:32

If you've been a diligent saver, chances are good that you have a variety of assets in your name: cash, CDs, bonds, stocks, funds, retirement accounts, insurance products, a home, etc. At some point, though, you'll no longer be around and those assets will wind up going to your designated heirs. And while everyone likes to receive money in any way …

1
How To Build a Net Worth - And How To Keep It 36:04

1y ago36:04

36:04

Building up a nest egg over a period of years does not have to be complicated, in spite of what many investment professionals might tell you. The real "secret" is to simply save money, and save it on a regular basis. When time is on your side, you have a certain amount of freedom to take an element of risk. Doing so, investing even during market do…

1
Do Higher Interest Rates Change Your Bucket Strategy? 34:09

1y ago34:09

34:09

The past 18 months or so have seen interest rates rise from near zero to levels we haven’t seen in more than a decade. This is great for savers, especially those who have become accustomed to earning little to nothing on their non-volatile assets. Of course, a key part of the Bucket Strategy® involves taking income (cash flow) from those non-volati…

1
What Some Critics Get Wrong About Buckets 36:45

1y ago36:45

36:45

One of the biggest fears that retirees have is that they'll run short of money. A Bucket Strategy® aims to solve that problem by matching assets to liabilities, so that you're never in a situation where you need to sell a volatile asset in order to meet your spending needs. The key, though, is that the strategy must be set up properly. How much saf…

1
Will Your Nest Egg Last Longer Than You Do? 36:41

1y ago36:41

36:41

You may have heard that if you take no more than 4 percent of your portfolio's value every year, it will (statistically) last at least 30 years. But does following this "4-percent rule" actually guarantee that you won't run out of money? It does not. Too many factors can come into play over the course of a retirement that can interrupt - or complet…

1
More Questions from Our Podcast Listeners Answered! 37:29

1y ago37:29

37:29

Rather than focus on a single topic this week, we thought we’d take some time to answer the many and varied questions we’ve been getting via email from our podcast subscribers and listeners. Just a few of the topics we’re covering this week: the sale of a primary residence, inheriting a home, annuity payments, taxes, Roth IRAs, and more. Tune in an…

1
401k or IRA – Where Should You Keep Your Retirement Money? 35:43

1y ago35:43

35:43

Maybe you’ve been saving most of your working life in a 401k. Great! But what happens when you retire? Should you leave that money in the 401k, or transfer it to an IRA? The answer, as it turns out, is “it depends.” Today’s episode starts off with an email asking why someone may want to do one or the other – or both. Further along, we answer more o…

1
Why Target Date Funds Are Not What They Seem to Be 30:49

1y ago30:49

30:49

The idea behind a Target Date Fund would seem logical – a kind of “set and forget it” investment that (presumably) gets safer as you age, giving you less exposure to stock market volatility the closer you get to retirement. But on closer examination, Target Date Funds are not the panacea they appear to be. Yes, there are some qualities that make th…

1
Why You Might Consider Owning Alternative Investments 35:51

1y ago35:51

35:51

"Traditional" investments consist mainly of stocks, bonds, and cash. Many people get by just fine with these, and simply alter their allocation as they age or as their goals and needs change. Others, though, may want to consider investments that fall outside of the traditional group. Why? They may be looking for further portfolio diversification, o…

1
Should You Really Own Fewer Stocks in Retirement? 34:14

1y ago34:14

34:14

It would seem to make sense that if you're retired, you can't "afford" the volatility of the stock market - thus, as you age, common advice is that you should own fewer stocks in retirement. But is that good advice? The answer may depend on your withdrawal strategy. Do you need to access the money in your portfolio to help fund your near-term liabi…

1
Figuring Out When You're Actually Able to Retire 33:07

1+ y ago33:07

33:07

You've been working your whole life, and retirement for you has always been "at some date in the future." As you get older, the question becomes more real, and will eventually require an answer. This is something that financial advisors and planners deal with every day. How do you know when you're really able to hang it all up? Maybe your portfolio…

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