Ray Lucia Jr

Ray Lucia Jr. is a financial executive, entrepreneur, and podcast host committed to improving how independent financial advisors serve clients and how American households prepare for retirement. As the founder and CEO of Lucia Capital Group, Quotient Advisor Community, Quotient Advisor Partners, 15 Equity, BucketsFP, and LuciaPro, he has built a network of companies focused on financial planning, asset management, advisor support, and technology. He also hosts the Vaulted Views Podcast, where he explores finance, business, and leadership with a long-term perspective.

He was raised in an environment that valued financial education, heavily influenced by his father's retirement-income strategy. This early exposure inspired a passion for financial planning and innovation. He earned a Bachelor of Science in Accounting from Loyola Marymount University, providing a strong academic base for his work as a CPA, advisor, and business leader.

His career began in accounting, but over the past two decades, he has led a series of ventures that have formed a complete ecosystem for wealth management. Since 2010, he has served as CEO of a San Diego-based firm that uses a time-segmented strategy to help clients convert savings into reliable retirement income. In 2020, he founded a platform to help advisors launch and scale independent practices. By 2025, he introduced a nationwide community offering collaboration, education, and retirement planning resources to advisors seeking to enhance their skills and services.

He also leads an asset management firm relaunched in 2020, focused on concentrated portfolios of resilient companies. His fintech platform allows advisors to build and manage retirement strategies aligned with client goals. His creative and operations firm provides branding, marketing, and administrative support to help advisors grow without taking on excess overhead.

His leadership experience spans advisory, brokerage, and investment roles. He has received recognition for his work and remains actively involved in community service, mentorship, and philanthropic initiatives. Ray Lucia Jr. continues to dedicate his efforts to helping advisors succeed and families build lasting financial security.