Ray Lucia Jr. is a financial executive, entrepreneur, and advocate for retirement planning and wealth management. As the founder and CEO of several companies, including firms in planning, investment, fintech, operations, and advisor services, he has built a coordinated structure to help independent financial advisors grow and support one million American households in preparing for retirement. He also hosts the Vaulted Views Podcast, where he explores business, finance, and leadership topics from a strategic perspective he calls the “Vaulted View.”
Early Life and Education
Ray was raised in a family environment that valued financial understanding and structure. His father introduced a retirement-income strategy to convert long-term assets into sustainable income, which sparked an early interest in financial literacy and planning.
He earned a Bachelor of Science degree in Accounting from Loyola Marymount University. This education laid the groundwork for his early work as a CPA and supported his development into an advisor and executive in the financial services industry.
Entrepreneurial Ventures and Leadership Roles
Ray began his career in accounting and went on to establish and lead multiple businesses, each playing a specific role within a larger ecosystem serving financial professionals and clients nationwide.
Lucia Capital Group (LCG)
Founded in 2010 and based in San Diego, this national wealth management firm specializes in retirement income planning. As Chairman and CEO, he leads a team that includes planners, investment specialists, and tax coordinators. The firm uses a time-segmented approach known as The Bucket Strategy® to help individuals and families convert savings into steady income throughout retirement.
Quotient Advisor Partners
Established in 2020 under a previous name and rebranded in 2025, this platform supports independent advisors by offering infrastructure designed to launch, grow, and scale advisory firms. The platform includes services for compliance, marketing, technology, asset management, and operations, helping advisors increase efficiency while focusing on long-term client relationships.
Quotient Advisor Community
Formed in 2025, this national network provides financial advisors with opportunities to connect and collaborate. It includes weekly virtual meetings, mastermind groups, and learning resources. Members also gain access to a planning system and software that illustrates how a client’s wealth can translate into a reliable income during retirement.
15 Equity
In 2014, Ray acquired a Santa Barbara-based investment advisory firm, later relaunching it in 2020 under a new brand. This boutique asset manager follows a focused approach, building portfolios around roughly 15 companies selected for their substantial recurring revenue and durable business models. With a track record spanning over 20 years, the firm provides investment solutions to private clients and advisors nationwide.
BucketsFP
Ray developed this fintech platform to help financial advisors model and manage bucket-based retirement strategies. Designed for enterprise use, the software can be white-labeled to reflect firm branding, compliance needs, and tech integrations. It allows advisors to clearly present segmented income strategies to clients and monitor ongoing performance.
LuciaPro
Ray leads this in-house creative and business operations team, which supports advisors through branding, storytelling, and business infrastructure. Creative services include strategy development and content creation, while operational support covers accounting, payroll, real estate, employee benefits, and marketing. This allows advisors to focus on growth without added administrative burden.
Prior Leadership Roles
He has held key leadership roles across the financial services industry. From 2010 to 2021, he served as CEO of a FINRA-registered broker-dealer. From 2011 to 2020, he served as CEO of a registered investment adviser. During the same period, he was also Portfolio Manager and Chairman of the Board of Trustees for a closed-end interval fund focused on alternative investments. These experiences gave him firsthand knowledge of building and managing complex advisory and investment platforms.
Media and Thought Leadership
In 2024, he launched the Vaulted Views Podcast, recorded in a real bank vault. The show discusses the mindset and systems required to build lasting businesses, deepen client relationships, and make long-term financial decisions. It contrasts short-term reactions with the “Vaulted View,” a disciplined approach to leadership and planning.
Awards and Recognitions
In 2016, Ray received the AICPA Standing Ovation Award, recognizing 22 CPAs under age 40 for excellence in financial planning. He has also been nominated for the Vistage Lifetime Achievement Award and the CEO of the Year award. He was included in The 500 Most Influential People In San Diego list by a regional business journal. His contributions to the local business and civic communities have been acknowledged by organizations such as the Rotary Club and a regional Business Chamber.
Philanthropy and Community Engagement
Ray has supported a community organization in Rancho Santa Fe for over a decade, contributing to efforts focused on families, children, and health programs. He also donates to a Catholic high school and helps fund youth sports initiatives in his local area.
In addition to financial contributions, he mentors small business leaders and founders, helping them identify growth opportunities and implement operational systems. He collaborates with civic and business groups focused on supporting economic development and entrepreneurship in the region.
Personal Life
He and his wife recently celebrated their 25th wedding anniversary. They have two children, one plays NCAA basketball, and the other is active in high school golf and boxing. Family remains a central focus in his life, alongside his professional commitments.
Ray Lucia Jr. continues to lead with a long-term focus, working to support financial advisors and empower families to achieve their retirement goals with structure and confidence.
Portfolio: https://rayluciajrsandiego.com/
Website 1: https://ray-luciajr.com/
Website 2: https://rayluciajr.com/
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