Managing Your Financial Future with Lucia Capital Group

Managing Your Financial Future with Johnny Dean and "Professor" Rick Plum, CFP® Brought to you by the advisors and investment professionals at Lucia Capital Group, a registered investment advisor. Integrating financial planning and investing decisions, designed to help you reach your own financial goals. Want the best tips on which hot stocks you should buy this week? Go somewhere else - we don't do that. It's all about planning, strategy, managing your future and taking control of your financial life. Securities offered through LPL Financial, member FINRA/SIPC.

Managing Your Financial Future with Lucia Capital Group is a business podcast hosted by Unknown Host, with 277 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts Managing Your Financial Future with Lucia Capital Group, a business show with 277 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #276

  The Biggest Misunderstandings About Buckets

  Aug 14, 202634 min

  The Bucket Strategy gets talked about a lot, but not every explanation (outside of this program) gets it right. Some descriptions make it sound like you just set aside a little cash, invest the rest for growth, and that's that. But when the strategy is done correctly, there's a lot more going on beneath the surface. A true Bucket Strategy matches each dollar to a purpose, a time horizon, and a level of risk that fits the job it needs to do. Cash flow, market downturns, taxes, timing, and investor behavior all have to be part of the discussion. What do people often misunderstand about the Bucket Strategy, and why do those details matter so much? Find out from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

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  Episode #275

  What If You Live Too Long?

  Aug 10, 202631 min

  Most people understand the risk of dying too soon or getting sick along the way. But there's another retirement risk that can be harder to think about: living longer than expected. A long life can be a great thing, but from a planning standpoint, those extra years still have to be funded. If you build your plan only around average life expectancy, that can leave too much to chance. Some money may need to provide stability, while other money still needs room to grow. The REAL challenge is making sure your plan can last without forcing you to live too cautiously. How can you reduce the risk of outliving your money without giving up the ability to enjoy retirement? Learn more from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

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  Episode #274

  The 3 Financial Principles That Matter Most

  Aug 3, 202636 min

  We've discussed many different topics on this podcast over the years: retirement income, Social Security, taxes, Roth conversions, and the Bucket Strategy, to name a few. But there are certain core principles underneath nearly every planning conversation, and they can change the way you think about your money. What assumptions are you making about market swings, your time horizon, and the way your money should be invested? Are you treating every dollar the same, or does each part of your portfolio have a specific reason for being there? And when you shift from saving to distribution, does your strategy need to shift with it? Learn all about the core financial principles that guide the way we think about retirement planning from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

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  Episode #273

  5 Ways Your Social Security Benefits Can Be Reduced

  Jul 27, 202633 min

  Social Security is thought of as one of the most predictable parts of a retirement plan. You look at your statement, estimate your benefit, and assume that number will be there when you need it. But the amount you expect and the amount that actually hits your bank account are not always the same. What choices or circumstances could reduce your benefit? How much does timing matter when deciding when to claim? Could Medicare premiums, taxes, continued work, or the loss of a spouse change the income you were counting on? And are there ways to plan around some of these reductions before they catch you by surprise? Fact is, your net Social Security check could turn out to be smaller than you expected. Learn more from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

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  Episode #272

  The Trickiest Bucket to Fill

  Jul 20, 202634 min

  The Bucket Strategy sounds simple in broad terms. One bucket is designed for money you may need soon, another is built for long-term growth, and the middle bucket sits somewhere in between. But that middle bucket may be the hardest one to get right. How much growth should you try to capture without taking too much risk? How much stability do you need so the first bucket can be replenished when the time comes? And should the middle bucket be treated as one investment area, or broken into smaller pieces with different time horizons and different jobs? Important questions, all. Why is Bucket 2 so challenging, and how should it be structured inside your retirement income plan? Find out from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

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