Lucia Capital Group

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

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10/09/2026

The biggest retirement regret I hear? Wishing they'd planned sooner.

After decades of working with retirees, Lucia Capital Group President Joe P. Lucia has heard this phrase time and time again.

And it's not always about wishing they'd saved more. It's about wishing they'd planned more.

Retirement planning goes beyond building your savings. It means thinking through taxes, preparing for healthcare costs, and creating a retirement income strategy before you need to start withdrawing from your investments.

Because retirement isn't just a date on the calendar. It's a transition that could last 25 to 30 years.

The best time to start planning for retirement is before you need that plan.

📅 Approaching retirement? Meet with a Lucia Capital Group Wealth Manager to build a strategy for the years ahead: luciacap.com/invest-today

The 4% rule, spending taxable accounts first, and planning for expenses to rise every year are three of the most repeate...
10/07/2026

The 4% rule, spending taxable accounts first, and planning for expenses to rise every year are three of the most repeated pieces of retirement advice.

Here's what each one leaves out.

Is the 4% rule still a safe withdrawal rate?

It's a starting point. It doesn't account for when you'll claim Social Security, how your withdrawals are taxed, or how your spending changes over time. Morningstar's base-case safe starting withdrawal rate for new retirees is 3.9% for 2026, up from 3.7% the year before. The number changes every year.

Which retirement account should you withdraw from first?

Often, more than one. Spending taxable accounts first may lower taxes today, but tax-deferred accounts keep growing until required minimum distributions begin at 73 (75 for those born in 1960 or later). A mix of tax-deferred, taxable and Roth withdrawals, along with Roth conversions in lower-income years, is designed to help lower lifetime taxes, not just this year's.

Do retirement expenses go up every year?
Research in the Journal of Financial Planning (Blanchett, 2014) found inflation-adjusted spending falls about 1% a year in retirement on average. Many retirees spend more in their active early years and less as they slow down.

Before you retire, know:
✅ Your Social Security claiming age, and why
✅ Your withdrawal mix across account types
✅ When your RMDs begin
✅ Your early-retirement budget vs. later years
✅ That you have income assets set aside, so you don't have to sell growth assets when the market is down

👉 Want help building yours? Book a complimentary 30-minute review with Lucia Capital Group. Link in comments.

At Lucia Capital Group, we truly see our clients as family. What better way to celebrate family than to throw a big birt...
10/07/2026

At Lucia Capital Group, we truly see our clients as family. What better way to celebrate family than to throw a big birthday bash every month? We’re excited to announce that, starting this month, we’re hosting monthly client birthday parties. 🥳 Oktoberfest was a blast! Thank you for your trust and partnership! 🤝 Joe P. Lucia Ray Lucia Jr. CPA/PFS Josh Hotsenpiller

10/07/2026

At Lucia Capital Group, we truly see our clients as family. What better way to celebrate family than to throw a big birthday bash every month? We’re excited to announce that, starting this month, we’re hosting monthly client birthday parties. Oktoberfest was a blast. Thank you for your trust and partnership.

09/24/2026

What happens if the market drops the year you retire? The Bucket Strategy® is a time-tested 3-bucket allocation framework. Bucket 1 is engineered to help buffer 3–7 years of spending money, so your growth assets have time to recover instead of being sold at a loss.

As our president, Joe P. Lucia reminds us: "Your risk profile may be different from someone else's risk profile. Your strategy should be designed for you."

Get your complimentary Bucket Strategy plan today at luciacap.com/invest-today.

09/09/2026

Josh Hotsenpiller has built and sold multiple companies. He knows how to take an idea to market, build a brand, and get traction.

What he didn't know: tax law. Roth conversions. How to structure withdrawals in the most tax-efficient way. The stuff that determines whether the wealth he built actually works for him long-term.

In this conversation with Lucia Capital Group President and Wealth Manager Joe P. Lucia, Josh makes the case plainly: You can't specialize in everything. Being great at building a business doesn't make you great at managing what it produces.

That's the gap a wealth advisor fills. Not just the numbers, but the strategy behind them.

Watch the full conversation with Joe and Josh on our YouTube channel. Check the comments for the link.

09/07/2026

Happy Labor Day from Lucia Capital Group!

Check out our latest San Diego Business Journal Wealth Roundtable article featuring Lucia Capital Group President Joe P....
08/31/2026

Check out our latest San Diego Business Journal Wealth Roundtable article featuring Lucia Capital Group President Joe P. Lucia.

“Many successful business owners pay more in taxes than necessary because they evaluate an investment property on appreciation and rental income alone. The better question is how the property fits into an overall wealth strategy.” Swipe to read the full article.

08/27/2026

What should you do with an old 401(k) when you retire or change jobs?

Rolling it into an IRA might seem like the obvious answer. But Lucia Capital Group President Joe P. Lucia says not so fast.

Your age, taxes, investment options, withdrawal strategy and even company stock can all affect whether a 401(k) rollover makes sense.

Sometimes rolling over is the right move. Sometimes leaving your 401(k) where it is may be the better choice.

Before moving hundreds of thousands of dollars, make sure the decision fits your retirement strategy.

📅 Have an old 401(k)? Meet with a Lucia Capital Group Wealth Manager before you make your next move: luciacap.com/invest-today

08/25/2026

At Lucia Capital Group, we take managing your financial future very seriously. We take punctuality and the push-up rule very seriously, too.

Ray had a lot of fun shooting in the studio with the interns to end out the summer. Best of luck to them in their future endeavors!

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16789 Bernardo Center Drive
San Diego, CA
92128

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