Ray Lucia Jr. is a financial executive, entrepreneur, and podcast host with a mission to help one million American households prepare for retirement. He is the founder and CEO of several companies, including Lucia Capital Group, Quotient Advisor Community, Quotient Advisor Partners, 15 Equity, BucketsFP, and LuciaPro. These firms form an integrated network that delivers financial planning, asset management, advisor support, and technology solutions. Through the Vaulted Views Podcast, he shares insights on business, finance, and leadership, offering what he calls a "Vaulted View" approach. He grew up in a household that emphasized financial clarity and long-term planning. Influenced by his father's retirement income strategy, he developed a strong interest in the financial industry from an early age. He went on to earn a Bachelor of Science in Accounting from Loyola Marymount University, which provided a foundation for his work as a CPA, advisor, and business leader. Since 2010, he has led a national wealth management firm headquartered in San Diego that specializes in a time-segmented retirement income strategy. In 2020, he launched a growth platform designed to support advisors in building their own independent practices, offering infrastructure in compliance, marketing, operations, and more. This vision expanded further in 2025 with the formation of a nationwide community that connects advisors through education, collaboration, and retirement planning resources. He also leads an asset management firm relaunched in 2020, which focuses on concentrated portfolios of resilient businesses. His fintech platform equips advisors to present and manage retirement income strategies tailored to their clients’ needs. Additionally, his creative and business services company supports advisors in scaling operations and building their market presence through brand development, financial services, and marketing support. With experience across advisory, brokerage, and portfolio management roles, he has earned recognition for his leadership and impact. He also remains active in philanthropy, youth programs, and mentoring entrepreneurs. Ray Lucia Jr. continues to dedicate his efforts to supporting advisors and helping families achieve long-term financial confidence.