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.
#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.
How Fiduciary Advisors Build Enterprise Value and Retain Clients in Volatile Markets
The finale of Season 2 and what's next for Vaulted Views.
Leadership Lessons from Sports, Hollywood, and Hospitality
Paul Speaker emphasizes the importance of adaptability, creativity, and the willingness to learn from others.
The Hidden Costs of Index Funds: What Every Investor Must Know
Ray Lucia Jr. uncovers the hidden fees quietly eating away at investor returns, why over-diversification might be holding you back, and how financial advisors can build stronger portfolios with high-conviction investing.
The #1 Retirement Fear (And How to Avoid It)
Ray Lucia Jr. explores what constitutes a sound financial decision, applies a business mindset to wealth structuring, and breaks down the real value of having a financial advisor.
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AI & Insurance: Closing the Deal with Craig Bender
Learn how a young entrepreneur is leveraging AI technology to transform the insurance and sales industry.
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Entrepreneurship, Risk-Taking & Bourbon: The Story of Cask & Coast Bourbon
Dive into Cask & Coast CEO and former San Diego City Council Member Mark Kersey's journey to bourbon entrepreneurship.
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.