Lucia Capital Group

Lucia Capital Group Your future. Managed. Get clear financial advice to help yourself and the ones you love most.

• Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC finra.org sipc.org

• Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.

• The f

inancial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

06/01/2026

When do you actually need this money? What’s it for? These are the questions that determine where it should be invested.

Rick “The Professor” Plum and Johnny Dean explore this further in “5 Financial Truths Most People Don’t Know” on the Managing Your Financial Future Podcast.

Listen to the full ep. 260 at the link in our bio or wherever you get your favorite podcasts.

Last Friday, the team spent the evening at the Homerun Deck for a Padres win. ⚾️ 🤎 🧢
05/28/2026

Last Friday, the team spent the evening at the Homerun Deck for a Padres win. ⚾️ 🤎 🧢

04/30/2026

Dive deep into estate planning in the Managing Your Financial Future podcast. In episode 259, Johnny Dean and Rick “The Professor Plum,” CFP break down the 5 things you didn’t know. Link in bio to listen.

Congratulations to CEO Ray Lucia Jr. CPA/PFS on being named as a finalist for San Diego Business Journal's CEO of the Ye...
04/14/2026

Congratulations to CEO Ray Lucia Jr. CPA/PFS on being named as a finalist for San Diego Business Journal's CEO of the Year Awards. We're very proud and grateful for your leadership, Ray!

In the latest episode of Managing Your Financial Future, Johnny Dean and Rick “The Professor” Plum, CFP®, explore five f...
04/14/2026

In the latest episode of Managing Your Financial Future, Johnny Dean and Rick “The Professor” Plum, CFP®, explore five financial truths that many people have heard but haven’t really absorbed.

Why do some people struggle to build wealth even with good investments? Why do others build it and then lose it? What role does behavior play in long-term success, and how much of your plan depends on things going exactly right? And perhaps most importantly, is there really such a thing as a shortcut when it comes to investing?

Listen now: https://www.luciacap.com/podcast/financial-future-podcast/5-financial-truths-most-people-dont-know/

Pre-Easter feast and Easter Egg hunt in the office!! Our offices and the financial markets are closed tomorrow. Enjoy yo...
04/02/2026

Pre-Easter feast and Easter Egg hunt in the office!! Our offices and the financial markets are closed tomorrow. Enjoy your weekend. 🐣

04/02/2026

Did you catch our latest podcast episode this week? Should you really own fewer stocks in retirement?

It’s one of the most common rules in retirement planning:
👉 “Reduce stock exposure as you age.”
But that may be asking the wrong question.

The real issue isn’t how many stocks you own, it’s whether your portfolio is structured to provide reliable retirement income and cash flow when you need it.

If your short-term income needs are covered by safer assets, your long-term investments may not need to be touched — which can completely change how you think about risk, market volatility, and growth in retirement.

Smart retirement planning isn’t about blindly reducing risk. It’s about structuring your portfolio to support both income and long-term growth.

🎧 From Managing Your Financial Future podcast. New episodes every Tuesday: https://www.luciacap.com/podcast/financial-future-podcast/should-you-own-more-or-fewer-stocks-in-retirement-258/

Proud to share VP Wealth Manager Ara Freedman was featured in . “You’re not just managing portfolios,” Ara says. “You’re...
03/24/2026

Proud to share VP Wealth Manager Ara Freedman was featured in . “You’re not just managing portfolios,” Ara says. “You’re serving neighbors.” Ara’s approach to wealth management helps families make decisions from a position of strength rather than stress.

To get in touch with Ara, visit our website at the link in our bio.

03/19/2026

The biggest retirement fear isn’t just running out of money… it’s losing control of your income.

Most retirees don’t just want their money to last — they want reliable cash flow to pay bills and enjoy life on their terms.

But relying on a systematic withdrawal strategy (like the 4% rule or RMDs) tied to a volatile market means your income can fluctuate — and suddenly, the market is in control of your spending.

That’s the real risk.
Smart retirement income planning isn’t just about growth. It’s about creating predictable income, managing market volatility, and staying in control of your financial future.

🎧 From Managing Your Financial Future. Listen at the link in our bio or wherever you get your favorite podcasts.

IncomePlanning

03/03/2026

What happens to Social Security when a spouse passes away?

Many people believe they’ll receive both their own benefit and their spouse’s full benefit.

That’s not how Social Security survivor benefits work.
In most cases, the surviving spouse receives the higher of the two benefits, not both combined.

Understanding this rule is critical for retirement income planning and protecting your spouse’s financial future.
🎧 From Managing Your Financial Future, episode 254. Listen to the full episode at the link in our bio!

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16789 Bernardo Center Drive
San Diego, CA
92128

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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