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.
#012 Vaulted Views - The Entrepreneurial Mindset: Lessons Learned from Startups and Beyond
Executive Coach, Keynote Speaker, and CEO Stacey McKibbin's lessons for entrepreneurs, managers, and aspiring Leaders.
#013 Vaulted Views - How to Build Community Through Technology
Explore the intersection of entrepreneurship, community-building, and innovation in the tech world with entrepreneur Josh Hotsenpiller.
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#014 Vaulted Views - Meet the Southern Savant of Retirement Planning
Retirement Planning Fundamentals and Lessons from 30-Year Industry Veteran Chris Lloyd, CFP, CHFC, MBA.
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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.
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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.
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.
#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.
#007 Vaulted Views - Dr. Kam Ghandehari, DDS: Inside the Business of Dentistry
#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.
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#005 Vaulted Views - Dr. Pete Sciabarra: Leadership Lessons from a Navy Captain
Pete shares how his father's military background influenced his path.
#004 Vaulted Views Mark Scalzo: From Investment Banking to Portfolio Management
Mark brings a unique perspective to the world of finance, and believe me, he’s not your typical portfolio manager.
#003 Vaulted Views Marni von Wilpert: The Making of a City Councilmember
Marni shares how the events of September 11th shaped her path and led her to join the Peace Corps.
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.