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.
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.
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
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.
Partial listing of common brokerage investments
- Money Market Accounts
- Mutual Funds
- Exchange Traded Funds
Brokerage Account Types
Partial listing of common brokerage account types
- 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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