Managing Your Financial Future with Lucia Capital Group

Hosted by Lucia Capital Group

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266

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Jun 2026

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About the show

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.

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June 16, 2026Episode 26737 min

The 2 Most Misrepresented Financial Products We've Seen

Annuities and whole life insurance tend to create strong opinions. Some people treat them like miracle products, while others dismiss them completely. The truth, though, is more practical. They are financial tools, and like any tool, they only make sense when they are used for the right job.So how do you know when one of these products might actually help you as opposed to just getting a sales pitch? What should you watch for with annuity rates, surrender charges, fees, and income guarantees? And when it comes to whole life insurance or “bank on yourself” strategies, who might benefit, who probably should not, and what costs are often left out of the conversation?It's time to clear the air about these two widely-used – and often misrepresented – financial instruments. Learn more from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

June 9, 2026Episode 26635 min

Your Most Common Email Questions Answered

Time for some emails! Listener questions tend to get specific, but they can point to larger issues that many people are trying to understand. Today, the focus turns to two email topics that come up again and again: 401(k)s and the Bucket Strategy®. On the 401(k) side, how does your employer match actually work? What happens if you max out your 401(k) at one job and then change employers? Are there ways to access retirement plan money early? And when it comes to buckets, what happens if the market stays down for several years, or your portfolio ends up holding more stocks as you get older?Learn about our most common email questions regarding your 401(k) and your retirement income strategy from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

June 2, 2026Episode 26534 min

3 Roth IRA Rules You Need to Know

Roth IRAs are pretty simple in structure: Pay taxes now, enjoy tax-free income later. It’s one of the most appealing concepts in retirement planning. But like most things in the tax world, the details matter, and missing them can lead to unexpected taxes at exactly the wrong time. What does it really take to make your withdrawals completely tax-free? How do the different five-year rules actually work, and why do they trip so many people up? And what happens to a Roth IRA after you’re gone… does it stay tax-free forever, or are there strings attached for your beneficiaries? Learn how you can potentially use these rules to your advantage from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

May 26, 2026Episode 26434 min

3 Personal Finance Hacks That Everyone Can Use

Everyone loves a good “hack,” especially when it comes to money. The promise is always the same: faster results, less effort, and a shortcut to building wealth. The problem is that most of those shortcuts don’t hold up when markets move, taxes come due, or real life gets in the way.And yet there are certain strategies – “hacks," if you want to call them that – which can be used by virtually everyone with their own personal finances. Are these strategies actually shortcuts, free of a downside to everyone? No. Nothing worthwhile comes cost-free. But they can potentially benefit everyone who's willing to "pay" those costs after considering their own situation.What are these three “personal finance hacks?" Find out from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

May 19, 2026Episode 26334 min

How to Build Wealth and How to Keep It

Most financial advice is built around one idea: how to grow your money. Invest more, stay the course, think long term. And that may potentially work. But what happens when you reach the point where growth is no longer your only goal, and the question changes from "how much can I make?" to "how do I not lose what I’ve built?"The skills required to build your nest egg are NOT the same ones you need to keep it. During your working years, volatility can be your ally. Time is on your side, and short-term swings don’t matter much. But in retirement, those allies can quickly turn into enemies. What happens when you need cash flow from your portfolio while the market is down? And where should the line be drawn between stability and opportunity?Learn all about navigating that transition while avoiding taking unnecessary risks from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

April 28, 2026Episode 26235 min

The 1 Big Risk Most Retirees Aren't Prepared For

What's a $345,000 retirement expense that most people never plan for? Long-term care is one of those risks people know exist, yet tend to ignore. It’s not fun to think about, it’s not easy to predict, and for many, the assumption is that something else will cover it. But what if it doesn’t? The bigger issue, beyond the expense, is the ripple effect. How does one spouse needing care impact the other? What happens to income, to investments, to the overall plan that once looked pretty solid? Is there maybe a better way to approach it today that doesn't feel like you're throwing your money away?How should you think about this risk, and what options are actually worth considering? Find out from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

April 21, 2026Episode 26132 min

What If You Retire at the "Wrong" Time?

What if you retire at the "wrong" time? It’s a question that sounds reasonable, especially when headlines suggest that market conditions should dictate when you stop working. But what does a “wrong time” even mean, and is it something you can actually plan around?In this episode, Johnny Dean and Rick “The Professor” Plum, CFP®, take a closer look at the idea of a “retirement window” and whether your retirement date should actually depend on what the market happens to be doing at that moment. If the market drops right before you retire, does that mean you should delay? Should you REALLY cut your spending? Or is the real issue something deeper about how your income is structured in the first place?Tune in and find out why tying your retirement decisions to market performance can create more problems than it solves, and how a properly structured plan may remove that uncertainty altogether.

April 14, 2026Episode 26031 min

5 Financial Truths Most People Don’t Know

Before you ever get to investment strategies, there are a handful of core financial truths that shape almost every success or failure story with money. The problem is most people either overlook them or don’t fully understand how they apply in real life.In this episode, 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?Along the way, the conversation ties these ideas back to real-world planning, especially how strategies like the Bucket Strategy are designed to work with these realities, not against them. Tune in and learn all about the five basic financial truths!

April 7, 2026Episode 25934 min

5 Things You Didn't Know About Estate Planning

Estate planning tends to get treated like something you only worry about after you're gone. But the truth is that some of the most important parts of an estate plan are the documents and decisions that matter while you're still alive. Think about this: Would your family be able to act on your behalf if you became incapacitated? Do you know which of your assets would actually follow your will and which would pass by beneficiary designation or title instead? Could probate delay things, make your affairs public, or create unnecessary costs? And if you have a trust, have you actually funded it so it can do the job it was created to do?Learn all about the top 5 things you didn't know about estate planning with podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

March 31, 2026Episode 25833 min

Should You Own More or Fewer Stocks in Retirement?

The idea that you should own fewer stocks as you get older is one of the most common rules of thumb in retirement planning. The logic says that stocks are supposedly "risky,” so as you age, you should reduce your exposure. But that simple rule may be asking the wrong question and leading to the wrong conclusion.Think about this: Is stock exposure really the right place to start, or should the focus be on how much of your portfolio needs to be safe to support your income? Does owning fewer stocks actually reduce risk, or does it depend on when and why you might need to sell them? And if your safer assets are structured to cover your cash flow needs, does that change how much of your portfolio can remain invested for long-term growth?Should you really own fewer stocks in retirement, or could the opposite be true under the right structure? Find out from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!