How We Help You » Michael J. Lucia & Associates

Financial Planning

Developing a financial plan is a key component to helping you make informed decisions with confidence.At Michael J. Lucia & Associates we begin each client relationship with an analysis of current financial holdings, a determination of the appropriate risk tolerance and time horizon, and a review of short-term and long-term goals unique to each client.

Following on the initial analysis, we prepare comprehensive financial plans that provide our clients with a detailed “x-ray” of their current scenario as well as a road map outlining how we feel they can pursue their financial goals.

Components of a Financial Plan

While many client needs and goals are unique, so too is each financial plan. See below for a list of the typical components included in our standard financial plans.

Portfolio Holdings & Net Worth

A detailed examination of current assets and liabilities organized by account classification, tax status, annual savings and account owner.

Cash Flow & Budget

A review of current cash flow, expenses and budget OR a projected analysis of inflation-adjusted retirement cash flow. Both with an analysis of tax implications and strategies for reducing the impact of taxes on cash flow.

Education Funding

A plan for funding children’s or grandchildren’s education as well as an analysis of the various account types available, tax implications and how to balance the dual goals of education funding with planning for retirement.

Investment Portfolio Management & Asset Management

The development of an asset management program that balances each client’s risk tolerance with their long-term objectives with the goals of reducing risk exposure and increasing return.

Tax Planning

A review of the tax implications of various investment accounts and individual investments in order to help clients form portfolio growth and income distribution strategies that create favorable tax scenarios.*

Retirement Planning

Transitioning from the stage of portfolio growth (pre-retirement) to the stage of portfolio income distribution (retirement) requires an understanding of income protection and strategies for generating inflation adjusted income for life.

Estate Planning

An evaluation of the client’s estate to develop strategies and techniques for reducing estate taxes and other costs. Recommendations are also made to assure that the estate is distributed according to the client’s wishes.

Risk Management & Insurance Planning

A review of the client’s current insurance and possible alternatives can provide the client with adequate levels of protection for their family, portfolio, income and estate.

Retirement Income Planning

Investors work and save their entire lives with the hopes of a safe and secure retirement. However, the transition from saving for retirement to income distribution during retirement is a topic that most investors may be unfamiliar with.

Components of a Retirement Income Plan

At Michael J. Lucia & Associates we assist clients in the creation of a retirement income plan that can help them generate inflation-adjusted income for life while reducing market risk. This may be achieved through various financial products.

Retirement Income Goals & Projections

Upon reviewing each client’s income goals, our team will provide advice regarding the range of retirement income the client’s portfolio should be able to sustain.

Retirement Income Tax Management

Reducing taxes during retirement may have a significant impact on a retiree’s spending power. We’ll help yous understand which accounts to take distributions from first, when to consider larger distributions and strategies for balancing portfolio income with other sources.

Fixed Income Investment Strategies

The list of fixed income investment options may be daunting but we’ll help you understand which investment options may be most effective.

Growth Investment Strategies

Retirement is still a time when many investors need to maintain an exposure to growth investments in order to provide potential long-term growth that keeps pace with inflation. We’ll help you determine which growth investments are appropriate for your goals.

Asset Management

Our Asset Management services involve the determination of suitable long-term growth strategies and investment options that most effectively align with your goals and current portfolio holdings. Our goal is to pursue consistently above-benchmark returns with controlled levels of risk.

We offer you the asset-class diversification to help reduce your risks and better meet your investment goals. Asset Management programs and investments available through our firm include:

Professional, Institutional Level Asset Management
Mutual Funds
Exchange Traded Funds
Stocks & Equities
Alternative Investments

Brokerage Services

As an investment advisor representative of Brokers International Financial Services, LLC, the team at Michael J. Lucia & Associates offers clients access to a full suite of traditional brokerage services.

Brokerage Investments

Partial listing of common brokerage investments

Money Market Accounts
CDs
Bonds
Stocks
Mutual Funds
Exchange Traded Funds

Brokerage Account Types

Partial listing of common brokerage account types

IRAs
Roth IRAs
Individual Accounts
Trust Accounts
Business Accounts
Education Accounts

Insurance & Annuities

The benefits of insurance and annuity products offer clients income and portfolio growth tools that compliment pre-retirement and retirement asset management strategies.

Working with Michael J. Lucia & Associates, we will provide you with a detailed insurance analysis outlining potential risks to you, your family and your portfolio. Next we present various strategies to help alleviate these risks. This may be accomplished with insurance/annuity products currently held in your portfolio or with the use of new insurance/annuity vehicles.

Insurance services and products we offer include

Term Life
Permanent Life, Whole Life
Variable Life
Variable Universal Life
Disability Insurance
Long Term Care Insurance

Annuity products and services we offer include

Immediate Annuities
Fixed Annuities
Variable Annuities
Variable Annuities with Guaranteed Lifetime Income
Equity Indexed Annuities

Independence is our priority.

Michael J. Lucia & Associates is a San Diego based financial management firm that provides individuals and business owners with financial, investment and insurance services through Brokers International Financial Services, LLC. With over two decades of dedicated service to our clients, we are keenly positioned to help you plan for your financial future.

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