Michael Lucia
Michael Lucia is a ChFC-designated registered investment advisor at Integrity Alliance, LLC, based in Poway, CA, with 33 years of industry experience. Michael operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Investment Management. Their firm serves 14,148 clients with $2.4B in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
Integrity Alliance offers investment management through various programs.
Edge Program:
- Fees include a program fee (up to 0.35% annually), an advisor fee (up to 2.00% annually), and potential third-party sub-advisor fees.
Select Program:
- Fees range from 1.00% to 2.80% annually on the first $1,000,000, 1.00% to 2.20% on the next $2,000,000, and 0.50% to 1.75% on assets over $3,000,000.
- A 0.10% trading platform fee is added to the maximum account fee for accounts with the broker-dealer arm.
Fees are assessed on all assets, including cash and money market balances. Margin accounts may incur additional fees. Fees are typically charged quarterly in advance, pro-rated for mid-quarter openings, and adjusted for significant deposits or withdrawals.
Location
Poway, CA
Get directionsHistory
Regulatory History (13)
Customer Dispute
July 2020Judgment / Lien
January 2019Judgment / Lien
February 2018Judgment / Lien
July 2017Judgment / Lien
January 2017Judgment / Lien
May 2016Judgment / Lien
March 2016Customer Dispute
October 2015Judgment / Lien
May 2015Judgment / Lien
January 2015Judgment / Lien
November 2014Judgment / Lien
November 2013Customer Dispute
October 2005Other Business ActivitiesSells Insurance
Michael owns rental property and is the owner of Michael J. Lucia and Associates, a DBA for insurance, securities, and advisory products, taking about half of his time. He is also the CEO of MJL Insurance Marketing Solutions, Inc., dedicating about a quarter of his time to insurance sales and supporting agents of fixed insurance products.
Employment History
Current Registrations
Integrity Alliance, LLC
Integrity Alliance, LLC.Broker
Previous Registrations
H. Beck, INC.
H. Beck, INC.Broker
Morgan Stanley Smith Barney LLC
Morgan Stanley Smith BarneyBroker
Citigroup Global Markets INC.
Citigroup Global Markets INC.Broker
Lucia Financial LLCBroker
Rjl Advisors
Securities America, INC.Broker
Raymond J. Lucia Companies, INC.
The Advisors Group, INC.
The Advisors Group, INC.Broker
John Hancock Mutual Life Insurance CompanyBroker
John Hancock Distributors, INC.Broker
State Registrations17 states
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.