Ray Lucia Jr

Ray Lucia Jr. is a financial executive, entrepreneur, and podcast host dedicated to helping independent financial advisors succeed and guiding American families in planning for retirement. He is the founder and CEO of Lucia Capital Group, Quotient Advisor Community, Quotient Advisor Partners, 15 Equity, BucketsFP, and LuciaPro. Together, these companies create a unified system that blends financial planning, asset management, advisor infrastructure, technology, and business support. He also hosts the Vaulted Views Podcast, where he shares perspectives on finance, leadership, and long-term thinking. He was raised in a family that strongly emphasized financial discipline and retirement planning. Influenced early on by his father's retirement income strategy, he developed a passion for economic education. He went on to earn a Bachelor of Science in Accounting from Loyola Marymount University, which provided the foundation for his early work as a CPA, financial advisor, and business leader. Since 2010, he has led a San Diego-based wealth management firm focused on delivering time-segmented retirement income strategies to individuals, families, and business owners. In 2020, he launched a platform to help advisors build and scale their own independent firms, providing complete operational and marketing support. In 2025, he expanded this mission by forming a national community designed to foster advisor collaboration, education, and planning excellence. He also oversees an asset management firm relaunched in 2020, focused on concentrated portfolios of companies with strong fundamentals and consistent revenue. His fintech platform equips advisors with tools to illustrate and manage bucket-based retirement strategies. His creative and business services firm delivers branding, marketing, operations, and financial support, allowing advisors to grow efficiently and sustainably. With experience across advisory, brokerage, and investment management roles, he has earned recognition for his contributions to the industry. He remains active in philanthropy, youth mentorship, and supporting small businesses. Ray Lucia Jr. continues to focus on building long-term value for advisors and helping families achieve financial confidence and retirement success.