Timothy Sumer

Make Lucia Capital Group your first stop on the path to retirement. Watch live shows, view video clips on demand, and read our informative articles to get educated today! Visit for more Subscribe to our channel: Follow Lucia Capital Group on Twitter: Like Lucia Capital Group on Facebook: ... ( read more ) LEARN MORE ABOUT: Qualified Retirement Plans REVEALED: How To Invest During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing New Rules for Hardship Retirement Plan Distributions: A Guide for Savvy Investors Planning for retirement can be a challenge, and unexpected financial hardships can make it even more difficult. Fortunately, the recently updated rules for hardship retirement plan distributions aim to provide relief to individuals facing financial distress. These changes provide greater flexibility for retirement plan participants, allowing them to access their retirement savings when...

There are several potential tax benefits of owning a Roth IRA, and while a Roth is not ideal for everyone, it can provide some individuals with favorable tax-treatment options that a traditional IRA cannot. So if your goal is to get as much money as possible into a Roth IRA, but you’re hamstrung by the annual contribution limits, what options might you have for “amping up” your Roth savings plan? There may be a way to do it under certain specific circumstances – to “mega-fund” your Roth and potentially give you a more favorable tax treatment when you access that money at retirement. Find out more from “Professor” Rick Plum, CFP® on this week’s edition of Lucia Capital Group Weekly! Make Lucia Capital Group your first stop on the path to retirement. Watch live shows, view video clips on demand, and read our informative articles to get educated today! Visit for more Securities and advisory services offered through LPL Financial, a registered investment advisor and memb...

Workplace retirement plans have changed a lot over the years. And since the introduction of the Roth IRA back in 1998, more and more companies have begun offer the Roth option to their employees’ plans.  At first glance, it may seem that the tax-free choice of the Roth 401k would be the better way for most people to go. But that may not necessarily be the case. There are several things that you need to consider first before deciding between the two.  What do you need to know before you make this important decision?  Find out what “Professor” Rick Plum CFP®, has to say about it on this week’s edition of Lucia Capital Group Weekly! Make Lucia Capital Group your first stop on the path to retirement. Watch live shows, view video clips on demand, and read our informative articles to get educated today! Visit for more Securities and advisory services offered through LPL Financial, a registered investment advisor and member FINRA/SIPC. Subscribe to our channel: Follow Lucia C...

When you lose a loved one, the last thing on your mind is what to do with his or her retirement accounts. But as a beneficiary, you’ll have decisions to make—and the wrong moves could cost you. Watch this week's video for what you should know. Make Lucia Capital Group your first stop on the path to retirement. Watch live shows, view video clips on demand, and read our informative articles to get educated today! Visit for more Subscribe to our channel: Follow Lucia Capital Group on Twitter: Like Lucia Capital Group on Facebook: ... ( read more ) LEARN MORE ABOUT: IRA Accounts TRANSFER IRA TO GOLD: Gold IRA Account TRANSFER IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA Inheriting an Individual retirement account (IRA) can be a significant financial asset for heirs, but it's essential to understand the nuances of how the inheritance works. The laws governing inherited IRAs can be complex, so it's vital to seek professio...