About Ray Lucia Jr.

I am on a mission to help 1 million investors with their retirement through my network of independent financial advisors

I am blessed to have such a wide range of experiences over the past 20-plus years of my professional career. I began my career as an accountant at Deloitte in Los Angeles in the 90s. While at Deloitte I was a financial statement auditor, individual and business tax accountant and supported the personal financial consulting team. I left Deloitte in 2000 to join the family financial planning business with the mission to grow it beyond the local San Diego location. From 2000 to 2010 I raised capital to grow the firm, formed strategic partnerships, built a seven-figure personal financial advisory practice, hired and trained financial advisors and opened several new locations resulting in 10x growth for the firm. I acquired the assets of the family business in 2010 and formed Lucia Capital Group, LLC. From 2010 to 2020 I launched and managed a full service broker/dealer firm, created and managed a registered mutual fund, acquired two RIA firms, created custom retirement income software, and built a digital marketing company.

All of these experiences helped me realize my true calling, helping investors pursue their best possible financial life by managing their wealth with the advice of a personal financial advisor. I believe the best way to help as many investors as possible is by building relationships with financial advisors and helping them with their practice.

I am currently the CEO of Lucia Capital Group (LCG), LCG Financial Partners and 15 Equity. LCG is a wealth management firm specializing in helping retirement investors manage their wealth. LCG Financial Partners is a division of LCG focused on providing a platform of services that help independent financial advisors run their businesses more efficiently so they can spend more time focusing on their clients. 15 Equity is a registered investment advisory firm primarily offering its flagship Focused Equity Strategy to financial advisors through institutional platforms.

Fun Fact

I met my wife, Devin, when we were both in the third grade. By the time we were seventh graders, we’d started dating. Today are happily married for over 2 decades with two wonderful children: son Tre and daughter Sienna.

My Professional Journey

Lucia Capital Group

Chief Executive Officer (Owner)
2010 to Present

Lucia Capital Group (LCG) is a wealth management firm specializing in helping Retirement focused investors plan and invest for retirement. Headquartered in San Diego, CA with office locations in multiple states, the firm employs over 60 people including 20 financial advisors, services over 4,000 households representing $2 Billion in client investments.

LCG Financial Partners (Division of LCG)

Chief Executive Officer (Owner)
2022 to Present

LCG Financial Partners (LCGFP) is a division of LCG that specializes in helping independent financial advisors manage and grow their business so they can spend more time focusing on helping their clients. We offer a platform of services available to financial advisors who decide to affiliate with LCG including financial planning, investment management, back office support, virtual administrative assistants, practice management, M&A support and succession planning, marketing and other professional services.

15 Equity, LLC

Chief Executive Officer (Owner)
2020 to Present

15 Equity is a Registered Investment Adviser Firm registered with the SEC that specializes in managing its flagship Focused Equity strategy. The Focused Equity strategy is a US All Cap strategy that typically contains 15 or less individual stock positions. The 15 Equity portfolio managers has its origin going back to the year 2000 when it started as small firm called West Coast Asset Management (WCAM). The Focused Equity Strategy has an audited track record over 20 years.

The Bucket Strategy®

2000 to Present

The Bucket Strategy® is a retirement income approach used by financial advisors based on the concept of segmenting a portfolio into multiple buckets by matching investment assets to retirement income needs or liabilities.

The Bucket Strategy® Wealth Analysis is cloud-based software for financial advisors available for licensing and white labeled partnerships.

LuciaPro

2010 to Present

Lucia Pro is a subsidiary business of Lucia Capital Group offering professional services to financial advisors and Registered Investment Advisory firms including accounting & payroll, benefits, technology services, digital marketing and content creation services.

Validus Growth Investing

2014 to 2020

I am an investor in Validus, a Registered Investment Adviser firm specializing in global growth investing. Validus primarily provides its services directly to financial institutions and financial advisors. Validus has been awarded several PSN awards for its Global Growth and International Strategies.

Lucia Securities, LLC and Lucia Wealth Services, LLC

Chief Executive Officer (Owner)
2010 to 2020

Lucia Securities, LLC was a FINRA registered broker dealer I owned and operated from 2010 to 2020. Lucia Wealth Services was a SEC Registered Investment Adviser firm I owned and operated from 2010 to 2020. Both firms provided services primarily to individual investors and made up our retail financial services offering.

In 2020, I decided to partner with LPL Financial, the nation’s largest independent broker dealer firm and Fortune 500 company. This decision not only put my Firm’s financial advisors in a better position to focus on our clients, it also greatly simplified my business so I can focus on my mission of helping financial advisors better service their clients.

Multi-Strategy Growth & Income Fund

2012 to 2018

In 2012 I founded one of the first Alternative Investment focused Closed-End Interval Funds called the Multi-Strategy Growth & Income Fund. The fund’s structure created access for non-accredited investors to a diversified allocation of institutional alternative investments.

During my involvement with the Fund, I created a selling group of over 50 firms and thousands of advisors across the country, I served as the founding Portfolio Manager, President of the Fund, and Chairman of the Board of Trustees. The fund’s net assets grew over $200 Million before the fund’s advisory contract was sold in 2018.