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Lucas Hopkins - Financial Advisor

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Lucas Hopkins - Financial Advisor

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I help people grow and manage money

10/30/2026

The quarterly Employment Cost Index (ECI) just came out and I’m about to break it down for everybody.

Overall compensation for jobs in America rose 3.1% (the average raise) in the past year. This is showing employers are still paying workers more than a year ago.

Here is the sad news.

Inflation rose 3.7%, outpacing your average pay increase and resulting in a real wage growth of -0.6%. This means Americans are, on average, getting 0.6% less bang for the salary they earned a year ago.

If you are getting a 3% raise every year from your employer then I wouldn’t look at it as a raise.

How do you combat this?

Well you can either approach your boss and ask for a better raise, or put money into the market to outpace inflation.

10/29/2026

My 25th birthday is coming up so let’s do some hypothetical math.

The goal here is to accumulate $10,000,000 ($10M) in my investment portfolio by the time I am age 75.

Let’s say I contribute my first dollar towards this goal on my 25th birthday.

How much will I need to contribute per day to reach this number by age 75? Assuming a 10% annual return on my stock heavy investment portfolio.

The answer is $26/day

TWENTY SIX DOLLARS A DAY

10/22/2026

Most people think investing is only for retirement

But some of the smartest investors aren’t investing for retirement at all.

They’re investing for…

- A future home purchase
- Starting a business
- A child’s education
- Financial independence before age 65
- A country club membership (me)

A brokerage account can be a powerful tool when you have goals that fall somewhere between tomorrow and retirement.

Every dollar should have a purpose and the key is to make sure your money is working towards yours.

10/05/2026

Took a trip down Wall Street this past weekend to see the bull and the NYSE. It’s pretty cool to see where all of the magic happens…

09/28/2026

As we head into the last quarter of 2026, the market is continuing to flourish and the $VIX is indicating fear is low.

For every year (since 1950) the market has been up >10% by the end of September, the following quarter has had an average of 5.3% return with 18/21 of the years having positive Q4 returns

In summary, these are two indicators that now could be an opportune time to do many things such as…

- invest idle cash
- reallocate accounts
- rollover old 401ks

These are common things I help people do. It’s always nice to have your money work for you and not against you.

09/23/2026

—Questions to ask yourself as a pre-retiree—

What everyone thinks to ask is "Do I have enough?"

Better questions to ask yourself are:

1. Where will my income come from?

• SS, investments, retirement accounts?

2. How much will I actually need per year?

• Grandkids education, traveling, healthcare, taxes

3. What will taxes look like in retirement?
• You can't escape Uncle Sam

4. What happens if the market drops early in retirement?
• Plans for downturns are just as important as growing your portfolio

5. What do I actually want retirement to look like?
• Travel? Spend more time with family? A second career? Golf in the morning?

A reason people work with me is to delegate the time it takes to figure out all this stuff. My perfect client is one who recognizes that developing and managing a world-class investment process is a full-time job.

09/11/2026

Remembering those who lost their lives on 9/11/01 and honoring the first responders and heroes who made the ultimate sacrifice. Never forget.

09/09/2026

I’m grateful to share that I’ve joined Raymond James as a Financial Advisor.

I’m looking forward to continuing to grow my career in wealth management and to help individuals, families, and business owners make confident financial decisions, plan for the future, and build long-term wealth.

I’m thankful for everyone who has been part of my journey and supported me along the way. I’m looking forward to continuing to grow and make the most of this next chapter with Raymond James.

08/13/2026

Credit to for this visual and the numbers, but this chart shows how advantageous it can be to put your money in the stock market. The S&P 500 is a measure of the stock market, representing the largest 500 companies in the US.

If you put the same $10,000 into a CD with a (generous) interest rate of 4.5%, you would have $20,700. Compare this to $90,000.

CDs are good for known upcoming purchases (like a house) within the next year or two or retirees who want a guaranteed, taxable 4%.

Yes I am playing Monday morning quarterback, but this has always been the case, for over 100 years. Investing in the broad US stock market is like betting on America and historically that has been the right move.

05/01/2026

Did anyone know the market did 12% in April? It sure has felt like a negative year, but the markets are up almost 5% YTD.

2026 has been a volatile year so far, but when you sit on the sidelines and wait for things to “feel better,” you risk missing big time months like this.

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Peachtree Corners, GA

Telephone

+17064663715

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