Estate Planning Strategies
for the Affluent
Helping our clients gain financial freedom for over 30 years
Wealth Management for Every Stage of Life
Helping our clients gain financial freedom for over 30 years
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Our Financial Services
Financial Planning
Comprehensive guidance designed to bring together investments, retirement, income, taxes, insurance, and long-term financial goals into a coordinated strategy.
Investment Management & Portfolio Management
Personalized investment portfolios designed around each client’s goals, risk tolerance, income needs, and time horizon, with ongoing monitoring and management.
Tax-Aware Investment Planning
Structuring investment and retirement strategies with consideration for capital gains, taxable income, account types, withdrawals, and other potential tax consequences. LWA does not provide tax advice and coordinates with clients’ tax professionals when appropriate.
Retirement Planning
Helping clients prepare for and navigate retirement by evaluating savings, investments, anticipated expenses, income needs, risk, and long-term financial objectives.
Retirement Income Planning
Developing customized strategies designed to create sustainable and dependable income throughout retirement while balancing growth, liquidity, and risk.
Social Security & Retirement Distribution Planning
Helping clients coordinate Social Security, investment withdrawals, retirement accounts, required distributions, and other income sources as part of an overall retirement-income strategy.
401(k), IRA & Retirement Account Rollovers
Helping clients evaluate and manage retirement assets when retiring, changing employers, consolidating accounts, or transitioning into an IRA.
Roth Conversion Planning
Evaluating opportunities to strategically convert traditional retirement assets to Roth accounts as part of a client’s broader retirement and tax-planning strategy.
Annuity & Lifetime Income Strategies
Evaluating fixed, indexed, and other annuity solutions that may provide income, principal-protection features, or additional diversification within a retirement plan.
1031 Exchange & DST Guidance
Helping real estate investors evaluate DST investments that may serve as qualifying replacement property within a 1031 exchange, including investors facing the 45-day identification deadline, seeking passive real estate ownership, or transitioning away from actively managed properties.
Capital Gains Tax-Deferral Strategies
Helping investors and business owners explore investment strategies that may defer or manage capital gains associated with the sale of highly appreciated assets.
Opportunity Zone Investments
Helping eligible investors evaluate Qualified Opportunity Fund investments as a potential strategy for capital gains deferral and long-term investment planning.
Alternative Investments & Private Offerings
Evaluating select alternative investment opportunities, including private real estate and other nontraditional investments, where appropriate for a client’s financial situation and objectives.
Life Insurance & Wealth Protection
Helping clients evaluate life insurance strategies designed to protect families, provide liquidity, replace income, and support broader wealth-transfer objectives. Insurance products are offered separately from LWA’s investment advisory services.
Long-Term Care & Extended Care Planning
Helping clients prepare for potential long-term care expenses through traditional and hybrid insurance solutions and broader retirement planning.
Estate & Legacy Planning Coordination
Helping clients incorporate inheritance, beneficiary, wealth-transfer, and legacy objectives into their overall financial plan while coordinating with estate-planning attorneys and other professionals as needed.
Long-Term Care & Extended Care Planning
Helping clients prepare for potential long-term care expenses through traditional and hybrid insurance solutions and broader retirement planning.
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About us
Lucey Wealth Advisors is a family-owned and operated independent wealth management firm based in Sonoma County, California.
We work closely with individuals, families, retirees, business owners, and real estate investors to provide personalized financial guidance tailored to each client’s unique goals and circumstances.
Our services include retirement planning, investment management, income strategies, financial planning, insurance and annuity solutions, estate planning coordination, and capital gains tax deferral strategies.
As an independent firm, our focus is always on building long-term relationships centered around trust, transparency, and thoughtful planning. Our goal is to help clients feel confident about their financial future while providing honest guidance and personalized service every step of the way.
Michael Lucey
Founder & CEO
Michael Lucey has been in the Insurance Planning industry since 1989. Throughout this time he has provided valuable service to individuals and families with core values reflecting a conservative and secure discipline concerning their plans.
Michael has a Bachelor of Science Degree in Business Administration from San Francisco State University and earned two professional insurance designations in Estate Planning. Michael provides a sound foundation when working with clients to implement strategic financial strategies concerning his clients’ accumulation, protection, distribution and transfer of wealth goals. Michael has always been in a position to be of service to others, either as a trainer and coach, or as a Financial Advisor.
Through his planning strategies, his clients have experienced reduced exposure to stock volatility, income tax savings, and maximum lifelong income commensurate to their needs and goals. His current practice concentrates in offering information and knowledge as well as investment planning tools needed to make informed decisions regarding the implementation of a secure reliant financial plan.
Michael was raised and educated in Northern California. He is the father of three children and married to his wife Lori over 30 years.
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Our Client Process
We believe financial planning should feel personal, straightforward, and collaborative. Every relationship begins with understanding where you are today, what you want to accomplish, and what matters most to you.
Our goal is to build long-term relationships with our clients and serve as a trusted financial resource through every stage of their financial lives.
Get in touch
Mike@LuceyWealthAdvisors.com
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Call
(707) 217-0774