See Your Practice from a Higher View
Every week, Ray Lucia Jr. takes you inside the vault—where real advisors, real strategies, and real transformation happen. The difference between an average practice and a thriving enterprise is perspective.
Unlocking the Vault: The Vaulted Views Origin Story!
Step inside my podcasting journey and discover the personal story behind “Vaulted Views”
The Podcast for Advisors Who Think Like CEOs
Every week, Ray takes you inside the vault—where real advisors, real strategies, and real transformation happen. The difference between an average practice and a thriving enterprise is perspective.
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How Should Financial Advisors Build Their AI Tech Stack? | Jessica Perez
Jessica Perez has spent more than 20 years in financial services, including senior leadership at Carson Group, and today works with advisory firms at MileMarker. She joins me on Vaulted Views to talk about something I think is going to become increasingly important as AI makes its way deeper into wealth management: Who owns your data, and what are you actually building your firm on? We get into why connecting individual tools isn't the same as building a unified data infrastructure, what happens when AI only sees one piece of your business, and why owning your firm's data and context could eventually matter to the enterprise value of your practice. Jessica also shares a great real-world example: one MileMarker partner says they're saving 38 hours a month just on basic reporting. That's where this gets interesting to me. Technology should give advisors time back to actually advise.
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What Is Your Financial Advisory Practice Actually Worth? | James Hughes
What makes one financial advisory practice worth more than another? You can spend 20 or 30 years building a book of business. But if you wait until you're ready to sell to start thinking about valuation and succession, you've probably waited too long. I wanted to understand what this looks like from the financing side.
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The AI Advantage Most Financial Advisors Are Completely Missing
In this episode of Vaulted Views, I sit down with Chris Mendoza, Head of Research at 15 Equity and one of the few people I know who lives at the intersection of artificial intelligence, investment research, and financial advisory businesses.
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Former SEC Attorney Explains What Every Financial Advisor Should Know
Learn what financial advisors should know about SEC exams, compliance, and enforcement from former SEC Trial Counsel Nick Morgan.
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Your AI Playbook for Financial Advisors (Where to Start)
Everyone is talking about AI. Very few are showing financial advisors where to start. In this episode of Vaulted Views, I share the exact playbook we've been building inside Quotient to help advisors move beyond experimenting with AI and start building real systems
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How Financial Advisors Build Scale with AI
Everyone is talking about AI. The real question is who's building with it. In this episode of Vaulted Views, I take you behind the scenes and show you exactly how we're using AI inside the Quotient Advisor ecosystem.
#006 Vaulted Views - Chris Thorne: Transforming Military Experience into Community Impact
Chris's journey is a testament to the idea that success doesn't always follow a straight line.
#007 Vaulted Views - Dr. Kam Ghandehari, DDS: Inside the Business of Dentistry
#008 Vaulted Views - Rick Plum, CFP®: Life Lessons from "The Professor" of Retirement Planning
Rick shares his story of how he pivoted from his original desire to fly fighter jets to discovering an even greater passion for financial planning.
#009 Vaulted Views - Sarah Jeltema: Dive into the World of Whiskey
#010 Vaulted Views - Tackling Money and Football: Lessons from the Gridiron with Rashard Cook
Rashard's journey from NFL to Financial Advisor is one of resilience. Tune in!
#011 Vaulted Views - Pivoting in Style: How Adaptability Drives Business Success
How Lucas Lujano's innovation and adaptability fueled business growth amid unexpected challenges.
Meet Ray Lucia Jr.: Builder, Leader, Second-Generation Visionary
From legacy advisor to CEO of a vertically integrated wealth-management ecosystem—Ray knows what it takes to build, scale, and lead with purpose.
As the founder and CEO of Lucia Capital Group, 15 Equity, BucketsFP, LuciaPro, and Quotient Advisor Partners, Ray has spent two decades constructing an interconnected ecosystem that serves advisors and investors at every level.
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Ray Lucia Jr.
Ray Lucia Jr. isn't just talking about building a better advisory practice—he's lived it.Growing up watching his father, Ray Lucia Sr., pioneer the groundbreaking Buckets of Money® retirement strategy, Ray learned early that financial clarity can transform lives. But he also saw the gap between great advice and great business—and dedicated his career to closing it.
Today, Ray leads multiple firms, mentors advisors nationwide, and hosts Vaulted Views to share the lessons, systems, and mindset shifts that separate reactive advisors from strategic leaders. Whether he's discussing AI automation, team capacity planning, or the psychology of risk, Ray brings real-world experience from inside the trenches—and the vault.
The Low View vs. The Vaulted View
Every episode helps you make the shift from reactive advisor to strategic CEO—without losing the heart of what makes you great at serving clients.
The Low View Says:
With
Highlights from Our Podcast
Every episode helps you make the shift from reactive advisor to strategic CEO—without losing the heart of what makes you great at serving clients.
Let’s Start the Conversation
Whether you’re an advisor looking to grow, an investor seeking clarity, or a community partner with a shared vision — Ray welcomes the opportunity to connect.
Every great relationship starts with a conversation, and every conversation begins with a question. Step inside the vault and reach out below.
For Financial Advisors
If you’re interested in collaboration, partnerships, or joining the Quotient ecosystem, start by joining the Quotient Advisor Community — it’s where ideas turn into action.
For Investors
If you’d like to connect with a wealth advisor from Lucia Capital Group or Quotient Advisor Partners to explore your financial plan, we’ll connect you with the right team.
For Media & Speaking Inquiries
Interviews • Events • Podcast Collaborations
Ray frequently speaks on leadership, innovation, and the evolution of wealth management.
For Financial Advisors
If you’re interested in collaboration, partnerships, or joining the Quotient ecosystem, start by joining the Quotient Advisor Community — it’s where ideas turn into action.
For Investors
If you’d like to connect with a wealth advisor from Lucia Capital Group or Quotient Advisor Partners to explore your financial plan, we’ll connect you with the right team.
For Media & Speaking Inquiries
Interviews • Events • Podcast Collaborations
Ray frequently speaks on leadership, innovation, and the evolution of wealth management.