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#014 Vaulted Views - Meet the Southern Savant of Retirement Planning

Retirement Planning Fundamentals and Lessons from 30-Year Industry Veteran Chris Lloyd, CFP, CHFC, MBA.

Author

Ray Lucia Jr
February 17, 2025

Hi Vaulted Viewer,  

I'm excited to share my latest episode of Vaulted Views, featuring my longtime friend and retirement income planning expert, Chris Lloyd, CFP, CHFC, MBA, whom I affectionately call the "retirement income planning Southern Savant." It was a fascinating conversation with a look into the world of financial planning, annuities, and the importance of collaborating with a community of financial advisors.

Here are three key takeaways from this episode:   

  1. The Importance of Collaboration: Chris emphasizes that financial advisors who collaborate alongside each other can enhance client service and improve outcomes. Mutual learning is vital in financial planning.

  2. Understanding Annuities: Annuities can be a complex topic, often misunderstood by both advisors and clients. Chris breaks down the differences between fixed annuities and fixed indexed annuities, explaining how they work and the importance of knowing the details before you make a decision. We both agree that many people have strong opinions about annuities, often based on past experiences or misinformation. This is where education becomes extremely important so that expectations align with reality.  

  1. The Role of Due Diligence: Something I really enjoyed talking with Chris about is the importance of thorough due diligence when it comes to financial products. Chris shares his process for how to fully understand an annuity before you buy.

Chris and I enjoyed Old Louisville Whiskey Co. Straight Bourbon Whiskey—and let me tell you, this is bourbon with a story to tell. Single Barrel. 11 years. That kind of aging brings some serious depth. From the first sip, you get rich toffee and dark cherry, followed by layers of caramelized oak, baking spice, and a hint of leather. The mouthfeel? Bold yet silky, coating the palate with a perfect balance of sweetness and spice.

If you’re looking for a bourbon that delivers complexity, character, and a bit of old-school charm, this one hits the mark.

As always, thank you for being a part of the Vaulted Views community!  

Cheers!
Ray Lucia Jr.

Host of Vaulted Views 

  1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

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