Hi {{first_name|Vaulted Viewer}},

Season 2 of Vaulted Views wraps up today and I want to thank you for being part of the journey.

Whether you’ve been with us from the beginning or just jumped in recently, I’m grateful you’ve chosen to tune in, grow, and build alongside me.

In this final episode of the season, I’m speaking directly to my financial advisor community.

We’re diving deep into what it really means to be a fiduciary—and how implementing structured systems like The Bucket Strategy® not only creates peace of mind for your clients, but builds true enterprise value in your firm.

Plus, I share a real story about current market volatility—and how the advisors I work with are not getting panicked calls… because they’ve already done the work to prepare their clients.

It’s a short, powerful episode—and it’s the perfect setup for what’s coming next.

Starting in Season 3, Vaulted Views is evolving.

You’ll hear more solo episodes where I break down the frameworks I’ve used to help build a multi-billion-dollar wealth management firm—and you’ll also get exclusive interviews with business leaders, founders, and prominent individuals who have wisdom worth sharing with our community.

Watch or listen to the Season 2 finale now by clicking one of the buttons below.

Thanks again for being part of this. Let’s keep building—intentionally, strategically, and with a Vaulted View.

Talk soon,
Ray Lucia Jr.
Host of Vaulted Views

For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

For Financial Advisors: If you are a financial advisor looking for help growing, optimizing, or selling your business, click here to schedule a discovery meeting with me

Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on the Vaulted Views podcast, click here to apply

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi Vaulted Viewer,

What do pro surfing, the NFL, Hollywood film sets, and Jimmy Buffett have in common? A surprising amount—especially when it comes to business.

In this week’s episode of Vaulted Views, I sit down with a behind-the-scenes strategist who helped shape some of the biggest brands and entertainment platforms in the world. From scaling global businesses without a traditional plan to creating subscription models before streaming was even a thing, this episode is packed with unexpected insights for investors, business owners, and financial advisors looking to think bigger.

Here’s what you’ll take away from this episode:

✅ Why success in any industry starts with understanding people—not just numbers
✅ The real reason successful entrepreneurs think like marketers—not managers
✅ How to stay ahead of the competition by spotting trends before they go mainstream

This week, we raised a glass of Snow Leopard Vodka, a small-batch Polish vodka made from rare spelt grain and distilled six times for exceptional purity. It opens with a crisp floral aroma and a subtle hint of anise, giving way to smooth notes of vanilla, citrus, and a buttery, nutty finish. Clean, refined, and quietly complex—just the way we like it.

Thanks for being a part of Vaulted Views!

Cheers!
Ray Lucia Jr.
Host of Vaulted Views

For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

For Financial Advisors: If you are a financial advisor looking for help growing, optimizing, or selling your business, click here to schedule a discovery meeting with me

Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on the Vaulted Views podcast, click here to apply

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}},  

Index funds have long been marketed as the “set it and forget it” solution for investors, but what if they’re quietly costing you more than you realize? Between forced trades, rebalancing inefficiencies, and hidden fees, index investing might not be as cost-effective as it seems.

In this week’s episode of Vaulted Views, I take a deep dive into the real costs of index investing—and more importantly, what financial advisors and investors can do instead. I break down why Separately Managed Accounts (SMAs) and high-conviction investing could be a smarter alternative, offering greater transparency, tax efficiency, and control over your portfolio.

Here’s what you’ll take away from this episode:

✅ The hidden fees of index funds – How rebalancing inefficiencies and forced trades could be draining your investment returns.
✅ Why over-diversification could be hurting your portfolio – More stocks don’t always mean more stability; in fact, it can dilute your gains.
✅ The benefits of high-conviction investing – How focusing on quality over quantity can lead to better long-term outcomes for investors and financial advisors alike.

🎧 Listen now at 👉 www.rayluciajr.com.

Thanks for being a part of Vaulted Views! If you find this episode valuable, forward it to someone who could benefit from it.

Cheers!
Ray Lucia Jr.

Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}},  

Retirement should be a time of freedom, security, and fulfillment, yet so many investors hesitate to spend the money they’ve worked so hard to save. Why? Fear. Fear of running out of money, fear of market downturns, and fear of making the wrong financial decision.  

In this week’s episode of Vaulted Views, I do my first solo episode where I break down why even wealthy retirees struggle to spend confidently—and why hiring a financial advisor can help them overcome this hesitation and achieve financial freedom.

I also spend some time talking about what makes a great financial advisor, which is the combination of EQ (emotional quotient), IQ (intelligence quotient), and BQ (business quotient) in their practice. This might sound like fancy business lingo, but all it really means is being smart about your practice, being a student of the industry, and being empathetic to your clients' fears and financial goals. This framework applies not only to financial advisors, but to any business owner.

Here’s what you’ll take away from this episode:
✅ Why so many retirees under-spend their savings – And how working with a financial advisor can help them confidently enjoy retirement without the fear of running out of money.
✅ The power of The Bucket Strategy® – A segmented portfolio approach that anticipates market downturns by setting aside years of safe money to spend from so an investor’s retirement paycheck is unaffected by the fear of short-term market volatility.
✅ The best financial advisors incorporate EQ, IQ and BQ into their practice - Bridging the gap between financial acumen (IQ), emotional well-being (EQ), and a structured approach to retirement income (BQ) for the betterment of their clients. 

🎧 Listen now at 👉 www.rayluciajr.com.

Thanks for being a part of Vaulted Views! If you find this episode valuable, forward it to someone who could benefit from it.

Cheers!
Ray Lucia Jr.

Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}},  

What does it take to build a successful, future-ready business? It starts with vision, adaptability, and execution. 

In this week’s episode of my podcast, Vaulted Views, I sat down with Craig Bender, an entrepreneur who transformed his insurance business by leveraging AI to improve client relationships, streamline operations, and drive real business growth. What I really love about Craig’s story is that it’s about seeing beyond the present and using technology to create new opportunities in a traditional industry. 

Why This Episode is for You 

• If you’re a financial advisor looking to enhance client trust and efficiency. 

• If you’re an investor, this episode may open your eyes to how cutting-edge technology may impact your investment portfolio.

• If you want to turn industry challenges into opportunities – Whether in finance or insurance, legacy industries are evolving fast.

Craig talks about why he focused on long-term business sustainability, not just short-term sales, and how he built a system that enhances client trust while increasing efficiency. 
What are the challenges of breaking into a legacy industry, and how do you position yourself for success? 

This episode is for everyone – business owners, financial professionals, and entrepreneurs who are looking to stay ahead of industry shifts. 

And, of course, we enjoyed Horse Soldier Signature Small Batch Bourbon throughout the episode! This hand-selected bourbon is rich and complex, offering inviting aromas of butterscotch, toffee, ginger, and cherry. The palate brings a smooth balance of caramel and apricot, layered with lightly roasted nuts and a touch of white pepper. The finish? Long and warming, with lingering spice and just a hint of heat.

As always, thank you for being a part of the Vaulted Views community! Until next time.

Cheers!
Ray Lucia Jr.

Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}},  

Success isn’t just about working harder—it’s about elevating your perspective. The most successful investors and financial advisors see beyond the present, align their decisions with long-term goals, and take smart, calculated risks.

This week’s episode of Vaulted Views features a guest who has done just that. Mark Kersey, co-founder of Cask & Coast, took an unexpected path from Silicon Valley to the San Diego City Council, and now to launching a national bourbon brand. His journey holds valuable lessons for financial professionals, investors, and business owners looking to build something lasting and stand out in a crowded market.

What You’ll Learn in this Episode:

✅ Spotting Opportunities Before Others Do – How to recognize trends and gaps in any industry 

✅ Aligning Passion with Strategy – Why success happens when your work reflects what you value most 

✅ Managing Risk While Taking Bold Action – What separates sustainable growth from reckless decision-making 

✅ The Power of Long-Term Thinking – How patience and strategic moves create lasting success 

✅ Why Execution is Everything – Whether in business, investing, or financial planning, ideas mean nothing without action 

Mark’s story is a reminder that the best opportunities often require stepping outside the expected path. Whether you’re an advisor navigating a changing industry or an investor looking for the right approach to wealth-building, this episode will challenge you to think differently about success. 

And, of course, we enjoyed Cask & Coast throughout the episode! Mark’s bourbon is 100-proof but incredibly smooth, with inviting aromas of vanilla, cherry, and a hint of orange zest. The palate is a blend of creaminess and nuttiness with vanilla, almond, cocoa, and candied pecans. The finish? Smooth, with lingering hints of spice.

Why This Episode is for You 

• If you’re a financial advisor looking to stand out in an evolving industry 

• If you’re an investor who knows long-term strategy beats short-term thinking 

• If you’re ready to take action on a vision you’ve been sitting on 

As always, thank you for being a part of the Vaulted Views community! Until next time. If this episode resonates with you, hit reply and tell me—what’s a bold move you’ve made that changed your trajectory?

Cheers!
Ray Lucia Jr.

Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}},  

I'm excited to share my latest episode of Vaulted Views, featuring my longtime friend and retirement income planning expert, Chris Lloyd, CFP, CHFC, MBA, whom I affectionately call the "retirement income planning Southern Savant." It was a fascinating conversation with a look into the world of financial planning, annuities, and the importance of collaborating with a community of financial advisors.

Here are three key takeaways from this episode:   

1. The Importance of Collaboration: Chris emphasizes that financial advisors who collaborate alongside each other can enhance client service and improve outcomes. Mutual learning is vital in financial planning.

2. Understanding Annuities: Annuities can be a complex topic, often misunderstood by both advisors and clients. Chris breaks down the differences between fixed annuities and fixed indexed annuities, explaining how they work and the importance of knowing the details before you make a decision. We both agree that many people have strong opinions about annuities, often based on past experiences or misinformation. This is where education becomes extremely important so that expectations align with reality.  

3. The Role of Due Diligence: Something I really enjoyed talking with Chris about is the importance of thorough due diligence when it comes to financial products. Chris shares his process for how to fully understand an annuity before you buy.

Chris and I enjoyed Old Louisville Whiskey Co. Straight Bourbon Whiskey—and let me tell you, this is bourbon with a story to tell. Single Barrel. 11 years. That kind of aging brings some serious depth. From the first sip, you get rich toffee and dark cherry, followed by layers of caramelized oak, baking spice, and a hint of leather. The mouthfeel? Bold yet silky, coating the palate with a perfect balance of sweetness and spice. If you’re looking for a bourbon that delivers complexity, character, and a bit of old-school charm, this one hits the mark.

As always, thank you for being a part of the Vaulted Views community!  

Cheers!
Ray Lucia Jr.

Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}},  

I hope this email finds you well! I just wanted to share with you my latest episode of Vaulted Views, featuring human connection expert and tech entrepreneur Josh Hotsenpiller. Business owners and professionals will benefit from the lessons Josh has learned throughout his career, including his experience building community in both his church and business ventures. Josh started out as the son of a preacher and went on to build huge businesses and lasting digital communities.   

What were the experiences, challenges, and the lessons he learned along the way?  

He built a thriving church in San Diego, CA from scratch, which he did by successfully focusing on loving and serving people. He carried this same principle over into his tech ventures, where he mobilized his employees for social good. What he found was that fostering a sense of community can lead to profound impact and success. 

Then there’s the adaptability factor. The COVID-19 pandemic presented enormous challenges, but Josh and his team saw it as an opportunity to innovate. They created virtual technology solutions that helped their clients transition into “remote engagement.” This adaptability not only helped them thrive during tough times but also opened new avenues for growth. The lesson here? Always listen to your customers and be ready to pivot when necessary. 

Want to hear more? Listen to the episode right here and let me know what you think! 

Josh and I are sipping on Señor Artesano Extra Añejo. This isn’t just tequila—it’s craftsmanship in a bottle. Aged for over 40 months, this 100% agave spirit delivers rich notes of cooked agave, roasted almonds, chocolate, and smooth vanilla, all wrapped in deep oak complexity. The finish? Crisp, refined, with just a hint of earthiness that lingers. 🔥 If you’re looking for a tequila that brings depth, character, and a touch of luxury to your glass, this one delivers.

As always, thank you for being a part of the Vaulted Views community!  

Cheers!
Ray Lucia Jr.

Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}},  

It’s time for my next podcast episode! This week features my close friend and renowned leadership expert, Stacey McKibbin, as we dive deep into her remarkable journey from a Midwestern girl to a powerhouse entrepreneur and leadership coach. 

Stacey’s story is a real testament to the power of taking risks and embracing the entrepreneurial spirit. She transitioned from a stable job in a large organization to a startup environment, where she then discovered her passion for entrepreneurship. This shift not only ignited her career but also taught her valuable lessons about adaptability and resourcefulness.  

Another insight that came out of our conversation was Stacey's emphasis on the need for leaders to communicate their vision effectively throughout their organizations. She told me that when you ensure every team member understands how their role contributes to the larger mission, leaders can foster a sense of ownership and motivation.  

This was such a fun interview. Stacey’s journey is a masterclass in entrepreneurship, leadership, and adaptability. So, if you’re looking to grow, lead, or inspire, I think you’ll find a lot of value in this conversation!

👉 Listen now and find out how you can implement these strategies in your own life and business! 

Stacey and I enjoyed a whiskey fit for the stage! Midwinter Night’s Dram isn’t just a name—it’s an experience. This limited-edition rye from High West Distillery is finished in French oak and port barrels, creating a rich, layered profile that’s perfect for fireside sipping. Expect bold notes of dark cherry, fig, cinnamon, and caramelized brown sugar, with a long, warming finish of nutmeg, oak, and a touch of red wine tannins. I guess you could say a dram like this deserves a standing ovation!

As always, I thank you for being part of the Vaulted Views community. See you next week!

Cheers!

Ray Jr.

Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}},  

I hope all is well with you! After a brief break over the holidays, I'm excited to share with you my latest podcast episode. This week features a very special guest, my longtime friend and fashion expert Lucas Lujano from David August.

If you've ever wondered what it takes to adapt your business to unforeseen challenges and changes, you do NOT want to miss this conversation. Lucas discusses how he and his team had to pivot during the pandemic, which helped them not only survive, but thrive during a tumultuous time.

There are valuable business lessons to be learned as Lucas takes us on a journey through his fascinating career in the world of fashion, starting from his early days as an intern to becoming the go-to clothier for some of the biggest names in entertainment and sports. Here are just a few of the topics we cover today:

The Power of Adaptability: Find out how Lucas and his team adapted to the challenges of the pandemic by expanding their offerings to include stylish leisurewear. This not only helped them survive but thrive during tough times. It’s a testament to the importance of being flexible and innovative in the face of adversity.

The Power of a Custom Suit: How can a well-fitted suit transform your confidence and presence, making you feel like a million bucks? 

Behind the Scenes: What’s it like to work with high-profile clients like Kobe Bryant and Joe Rogan? 

And that’s just a taste. We talked about SO much more! Whether you're looking for business advice, you are a fashion enthusiast, or curious about how the most influential business leaders present themselves, this episode is packed with stories and information that you're sure to find invaluable. 

Tune in now to hear Lucas's inspiring journey! 

This episode, Lucas and I were sipping on a bottle of Clase Azul Reposado Tequila. Known for its iconic hand-painted ceramic decanter, this tequila is a celebration of craftsmanship both inside and out. The rich, smooth flavors of cooked agave, vanilla, and caramel, paired with subtle notes of spice and oak, made it the perfect complement to our conversation. Clase Azul’s dedication to tradition and artistry mirrors Lucas’s own approach to custom tailoring—both are about creating something truly extraordinary.

As always, I thank you for being part of the Vaulted Views community.  See you next week!

Cheers!

Ray Jr.

Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}},  

I'm really excited to share my latest Vaulted Views episode with you.  This week I’m featuring a truly inspiring guest, and also another longtime friend of mine, Rashard Cook. In this episode, we take a long look at Rashard's extraordinary journey from his childhood roots growing up in Southern California to achieving his dreams in the NFL and beyond. 

Rashard's story is one of resilience, determination, and transformation. He talks about his experience playing Division I football at USC, where he had the privilege of playing alongside legends like Keyshawn Johnson and Carson Palmer. We discuss the challenges he faced when transitioning from college to the NFL, including the harsh reality of being cut from the Chicago Bears and how he found his way to the Philadelphia Eagles. 

But Rashard's journey doesn't end there. After five years in the league, he faced the difficult decision of stepping away from professional football due to injuries. He candidly talks about the challenges of finding a new path and how he eventually became a successful financial advisor and head coach at a local Catholic high school. 

Throughout our conversation, Rashard hammers home the importance of leadership, both on the football field and in life. He draws parallels between coaching young athletes and advising clients on their financial journeys, highlighting the significance of trust and guidance in both roles. 

Whether you're a sports enthusiast, a parent, or someone looking for inspiration in your own career, this episode has something really valuable to offer you. Rashard's story is a testament to the power of perseverance and the impact of mentorship. 

Tune in now and join us as we explore Rashard Cook's remarkable life! 

This episode, Rashard and I were sipping on a bottle of Pinhook Artist Series 'The Nicking' Kentucky Straight Whiskey. This is a masterful blend of Straight Bourbon and Straight Rye whiskies, distilled and aged at Castle & Key, coming together to create a flavor that feels both refreshingly new and comfortingly familiar. The Artist Series highlights the unique character and craftsmanship of each bottling, featuring artwork from renowned artists inspired by the whiskey and its origin story.

As always, I thank you for being part of the Vaulted Views community.  

Cheers!

Ray Jr.

Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}},  

I hope this email finds you well! I want to let you know that my latest episode of Vaulted Views is up and running, as this week I take a fascinating detour into the world of whiskey with the incredible Sarah Jeltema, president of Women Who Whiskey San Diego. Sarah’s story of her journey from being a 911 dispatcher to becoming a whiskey educator and social media influencer is one you do not want to miss! 

We kick off the episode with an international whiskey tasting, featuring five selections, including a Canadian single barrel and an Australian whiskey finished in red wine barrels. Along the way, Sarah shares her expertise on each one, as well as some very helpful tips on how to properly acclimate your palate! 

Of course, there’s much more to it than just that. Sarah also opens up about her early career in politics and how her experiences in Washington, D.C. led her to the police department as a dispatcher. She has some wonderful anecdotes about her time there, both hilarious and heartwarming, including a memorable call involving a herd of goats on a busy street! 

For those who want to know more about whiskey – and there’s a LOT to know – we dive deep into the nuances of the topic, including the differences in spelling (whiskey vs. whisky) and the unique characteristics of Japanese Mizunara oak barrels. I have to say, I was surprised at how little I actually knew about whiskey! 

Whether you're a whiskey connoisseur or just curious about the spirit, this episode is packed with insights, stories, and information.  Oh – and lots of humor, too! 

So grab your favorite glass, pour yourself a “wee dram,” and join me for this exciting journey into the world of whiskey! 

We enjoyed the following whiskeys:

credit: a wardrobeofwhisky.com

Caribou Crossing: A Canadian single barrel, a premium class of whiskey in which each bottle comes from an individual aging barrel. The nose offers caramel, marshmallow, corn, and light oak, following with soft vanilla, caramel, and a hint of grain.

photo credit

Hibiki Japanese Whisky: Hints of honey emerge beneath rich oak, with a touch of varnish. The palate is lively and attention-grabbing, transitioning to a gentle mid-palate and a soft, warming finish that fades seamlessly.

Credit: @starwardwhisky on IG

Starward: Nova Single Malt Australian Whiskey, nurtured for 2 years in red wine barrels, with notes of red berries, chocolate and soft oak spice, Nova is Starward's fruit-forward, signature single malt whisky.

credit

The Dalmore Cigar Malt Reserve: The aroma combines cinnamon, vanilla, and red fruits, leading to a palate of tropical fruits, banana toffee, and vanilla ice cream. The finish lingers with orange zest, dark chocolate, and spices.

Joseph Magnus Cigar Blend Bourbon: With bold aromas of tobacco, spice, leather, vanilla, almonds, and toffee, it gains fruity notes of fig, prune, and dried apricot from its Armagnac cask finish

credit: @rajpeterbhakta on IG

Bhakta: Created by entrepreneur Raj Bhakta. Golden orange in color, the nose offers custard, caramel, and vanilla. The palate features oak, vanilla, and spice, with a finish of lingering oak and soft tannins

As always, I thank you for being part of the Vaulted Views community.  

Cheers!

Ray Jr.

Host of Vaulted Views 

Follow Sarah on Social Media:

Instagram - @whiskynomad

TikTok: @whiskynomad

Facebook: whiskynomad

LinkedIn: Sarah Jeltema

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}},  

I hope you’re all doing well! I'm excited to share my latest podcast episode featuring a longtime friend and colleague: Rick “The Professor” Plum, CFP®, Chief Financial Planning Officer at Lucia Capital Group. 

This week I got to hang out and enjoy an adult beverage with one of my favorites, Rick Plum. Rick is just about the nicest guy you will ever meet, and he’s so low key about his profile that you might be surprised to learn about his journey from aspiring fighter pilot to financial planning wizard.  

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. Growing up in the Southern California desert, Rick's love for speed and adventure shaped his outlook on life and finance. It taught him valuable lessons about life – things like making sure that safety and survival come first, well before you strap yourself in for the long ride ahead. 

Rick emphasizes that financial strategies need to take the same approach. He discusses how to manage emotions during market fluctuations and the critical role taxes play in retirement planning. 

Today’s episode is packed with insights and stories that will not just inspire you, but also give you perspectives that you probably have never seen or considered before. 

Oh, and by the way, Rick is a Coors Light guy in case you were wondering…

Tune in now to hear Rick's incredible journey and gain valuable tips for your financial future! 

As always, I thank you for being part of the Vaulted Views community.  

Cheers!

Ray Jr. 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}}, 

I hope this message finds you well! I'm excited to share my latest podcast episode featuring local Rancho Bernardo dentist, Dr. Kam Ghandehari, DDS!  

In this episode, we explore Dr. Ghandehari's fascinating and successful life journey as a Iranian immigrant to becoming an award-winning local dentist at Rancho Bernardo Dental Arts. I promise, this interview is nothing like going to the dentist. We had a great time sipping bourbon and talking business as Kam gives us a peek behind the scenes of the dental industry.  You might be surprised by what he shares about the different dentistry business models, the types of products used and how that may impact the quality of care you receive.  

Here are some highlights you won't want to miss: 

The Journey: Kam recounts his incredible path from a British boarding school in India to dental school at USC, and how his family's legacy in dentistry shaped his career. Fuhgeddaboudit! He even spent some of his childhood in New Jersey. 

HMO vs. Private Practice: It’s interesting to hear Kam discuss the stark contrasts between working as a dentist in an HMO setting and running a fee-for-service private practice. I can’t help but think that the business model of the dentist may have a significant impact on the service patients receive. Clearly not all dentistry business models are equal.   

Concierge Dentistry: Do you ever get the run around when you need to speak with your healthcare professional? Not in Kam’s world. Learn about Kam's approach to patient care and how he strives to create a personalized experience for everyone. 

A Wild Request: Kam shares a hilarious story from his dental school days about a patient with a rather extravagant request for a denture! 

Tune in now to hear Dr. Kam Ghandehari's inspiring journey and gain a deeper understanding of the world of dentistry! 

In this episode, Kam and I were sipping on Frey Ranch Straight Bourbon Whiskey. This 116.88 proof bottle is velvety and unique, with oak and citrus aromas followed by vanilla, caramel, banana chips, and dried hay on the palate.

🎙️ New Episodes Release Every Monday: Available on YouTube, Spotify, Amazon, and Apple Podcasts. Subscribe to our newsletter to stay updated with the latest episodes and behind-the-scenes content. 

Thank you for being a part of the Vaulted Views community. I can't wait to hear your thoughts on this episode! 

Cheers! 
Ray
Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}}, 

 I’m happy to tell you that my latest Vaulted Views podcast episode is up and running! This week features a truly remarkable guest, Chris Thorne, CEO of the North San Diego Business Chamber. You will not want to miss this interview that brings out Chris’s unique blend of humor, humility, and wealth of experience. 

Chris's journey is a testament to the idea that success doesn't always follow a straight line. From his early dreams of flying jets to finding his niche in human resources and leadership, he tells us that it's okay to pivot and adapt. Life is full of unexpected turns, and sometimes the best opportunities arise from the most unlikely situations.  

One of the most compelling themes in our conversation was Chris's commitment to people. He emphasizes that true leadership is about caring for those you lead. In his words, "If you don't care about and take care of the people, then all the rest of it isn't worth anything." This totally resonates with me. Over the years of leading Lucia Capital Group I have had to make some unpopular business decisions in favor of keeping my people together.  I learned early on that my definition of success is beyond just our financial statements. This interview with Chris helps remind us all to see the bigger picture.  

This episode is packed with valuable lessons and a good dose of laughter so tune in now to hear Chris's story.

🎙️ New Episodes Release Every Monday: Available on YouTube, Spotify, Amazon, and Apple Podcasts. Subscribe to our newsletter to stay updated with the latest episodes and behind-the-scenes content. 

In this episode, Chris and I enjoyed a delicious bottle of Woodford Reserve Double Oaked. My office manager and assistant, Jessica, gifted it to me with my name engraved—The Ray Lucia Jr. Edition. It’s quite a treat, with notes of vanilla, dark caramel, hazelnut, apple, fruit, and spices. Sipping Woodford always brings to mind thoroughbred horse racing, and I’m especially looking forward to the Breeders’ Cup at Del Mar this week.

Thank you for being a valuable part of the Vaulted Views community! 

 Cheers! 
Ray Lucia Jr. 
Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}}, 

I’m excited to share our latest episode featuring a truly inspiring guest, Dr. Pete Sciabarra. Pete is a retired Navy captain who has transitioned into a successful business coach for high-performing leaders. In this episode, we dive deep into his incredible journey—from his early days at the Naval Academy to leading large teams in the Navy and now guiding business leaders to success. 

Here are some highlights you won’t want to miss: 

• The Journey to the Naval Academy: Pete shares how his father's military background influenced his path and how he was "brainwashed" by his brother to pursue a career in the Navy. 

• Life as a Navy Pilot: Ever wondered what it’s like to be a Navy pilot? Pete gives us an inside look at the rigorous training and the thrill of flying helicopters, including his experiences with the H-46 and H-60 aircraft. 

• Leadership Insights: We discuss the challenges of leading peers and the importance of integrity in leadership. Pete emphasizes that true leadership is about caring for your team and fostering a culture of trust. 

• Transitioning to Civilian Life: After 27 years in the Navy, Pete faced the daunting decision of transitioning to civilian life. He shares his experiences at Vistage and how he found his passion for coaching business leaders. 

• Key Takeaways from "The Wisdom of the Bullfrog": We explore Admiral McRaven's book and discuss the importance of honor, strategy, and the power of hope in leadership. 

This episode is packed with valuable lessons and insights that can help you in your personal and professional life. Whether you're a business leader, an aspiring entrepreneur, or just someone looking for inspiration, you’ll find something to take away from our conversation. 

Tune in now to hear Pete's incredible story and learn how you can apply these leadership principles in your own life! Watch the episode here! 

Thank you for being a part of our community. I can’t wait to hear your thoughts on this episode! 

🎙️ New Episodes Release Every Monday: Available on YouTube, Spotify, Amazon, and Apple Podcasts. Subscribe to our newsletter to stay updated with the latest episodes and behind-the-scenes content. 

Best, 
Ray Lucia Jr. 

P.S. Got questions or comments? We'd love to hear from you! Connect with me on social media. 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}}, 

I'm really excited to share with you my latest podcast episode! This week features a very special guest, my longtime friend and business partner, Mark Scalzo. In this episode, Mark takes us through his journey from investment banker to institutional money manager. It’s quite a fascinating story. 

Mark brings a unique perspective to the world of finance, and believe me, he’s not your typical portfolio manager. With a glass of bourbon in hand and a few laughs along the way, we discuss everything from his early days at Wharton to his experiences at Salomon Brothers and Ken Fisher Investments. 

Here are some highlights you won't want to miss: 

• The Wharton Experience: Mark shares his journey from a small town in Pennsylvania to the prestigious halls of the Wharton School, where he learned, among other things, the value of hard work and resilience. 

• Investment Banking: Get a glimpse into the high-stakes world of investment banking in New York City, including a memorable meeting with Baron Hilton at just 21 years old! 

• Lessons from Legends: Mark reflects on his time working with industry giants like Ric Edelman and Ken Fisher, and what he learned about investment strategies and the importance of having a solid process. 

• The Birth of Validus: After navigating the financial crisis and a chaotic work environment, Mark made the bold decision to start his own firm, Validus. Learn about the principles that guide his investment philosophy and how he built a repeatable process that stands the test of time. 

• Scalzo’s Secrete Sauce: Discover what Active Share is and how Mark views investment management differently from most institutional managers. Find out why he is confident in his process and how he builds award winning portfolios that differ from benchmarks to drive opportunity for outperformance.

I really enjoyed this episode with Mark. It covers lessons in business and entrepreneurship as well as it provides insight into the mind of an institutional portfolio manager and how he thinks about investing. So, whether you are a founder, business owner or an investor there is something to take away from this interview to improve your life.

Tune in now to hear Mark's story and the lessons he's learned along the way.

🎙️ New Episodes Release Every Monday: Available on YouTube, Spotify, Amazon, and Apple Podcasts. Subscribe to our newsletter to stay updated with the latest episodes and behind-the-scenes content. 

Last episode, I enjoyed a delicious Cask and Coast Bourbon made by Mark Kersey. This week, Mark Scalzo and I enjoyed a glass of Henry McKenna. A delicious bourbon with vanilla, smooth oak, and notes of sharp spice, honey and sweetness. It’s bottled-in-bond, 100 proof by Heaven Hill Distillery. I like it with one ice cube to take the edge off a bit and cool it down. Give it a try!

Best, 
Ray Lucia Jr. 

P.S. Got questions or comments? We'd love to hear from you! Connect with me on social media. 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}}, 

My latest podcast episode is here! This week’s episode features Marni von Wilpert, San Diegan and current city councilmember. Marni's life story is absolutely riveting, from her roots in Scripps Ranch to her work in the Peace Corps in Botswana, and her rise through the ranks of law and politics. 

What to Expect: 

A Journey of Service: Marni shares how the events of September 11th shaped her path and led her to join the Peace Corps, where she worked with children affected by the AIDS crisis in Africa. 

Legal Advocacy: You’ll hear about her experiences as a lawyer in Mississippi, where she fought for the rights of those living with HIV and worked to combat discrimination. 

Political Aspirations: Marni discusses her transition to Washington D.C., working for the U.S. House of Representatives, and her decision after the 2016 election to return to California to run for city council. 

Big News: For the first time publicly, Marni will make a BIG announcement, and it all happens right here in the vault!

A Touch of Humor: We also share some light-hearted moments, including our favorite Girl Scout cookies and a few lawyer jokes that you won’t want to miss! (It’s okay, she’s an attorney herself!) 

Join me for this fascinating conversation that not only highlights Marni's dedication to public service but also inspires us all to make a difference in our communities. 

🎙️ New Episodes Release Every Monday: Available on YouTube, Spotify, Amazon, and Apple Podcasts. Subscribe to our newsletter to stay updated with the latest episodes and behind-the-scenes content. 

Thank you for your continued support, and don’t forget to subscribe and leave a review! 

Cheers! 
Ray Lucia Jr. 
Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hi {{first_name|Vaulted Viewer}}, 

Our latest podcast episode is here! This week, I had the pleasure of sitting down with one of my favorite people in the world, a person who also happens to be my cousin and business partner – Joe Lucia. Joe's journey is fascinating, and I’m excited for you to hear his story. 

🎧 Episode Highlights: 

From Malibu to Milan 

Joe takes us back to his college days at Pepperdine University, located on the beaches of Malibu. In addition to all the sun and surf, Joe proved himself to be a go-getter from the start, working at a local gym and hanging out with some of Hollywood's elite. 

The Wine & Spirits Entrepreneur 

After college, Joe jumped headfirst into the wine and spirits industry. He tells us about flying to Italy, meeting with prestigious wine producers, and then getting to work building his own import business. Imagine being in your mid-20s and negotiating deals with major retailers like Costco and Trader Joe's! 

A Pivot to Wealth Management 

From there, Joe talks about his transition from the world of wine and spirits to the equally challenging field of wealth management. In this episode he talks about how he leveraged his sales skills and relationships to build a $2 billion wealth management firm. 

The Bucket Strategy ® 

Joe also talks about The Bucket Strategy ®, and the importance of having a steady, reliable cash flow regardless of current market conditions.  

Why You Should Listen 

This episode is a masterclass in entrepreneurship, resilience, and the power of relationships. Joe's story demonstrates how, with some hard work and some good luck on your side, you can pivot and succeed in entirely new fields. Plus, if you're interested in financial planning, Joe also offers some tips and advice that you won't want to miss. 

Tune In Now! 

Don't miss out on our latest episode. Click the link below to listen now: 

🎙️ New Episodes Release Every Monday: Available on YouTube, Spotify, Amazon, and Apple Podcasts. Subscribe to our newsletter to stay updated with the latest episodes and behind-the-scenes content. 

Thank you for being a part of our podcast family. Your support means the world to us. If you enjoy the episode, please consider leaving a review and sharing it with your friends and family. 

All the best, 
Ray Lucia Jr. 

P.S. Got questions or comments? We'd love to hear from you! Connect with me on social media. 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

2. For Financial Advisors: If you are a financial advisor looking for help growing, optimizing or selling your business. Click here to schedule a discovery meeting with me

3. Become a Podcast Guest: If you are a founder, business owner, community leader or financial industry professional and would like to be featured on Vaulted Views podcast, click here to apply.

Hello {{first_name|Vaulted Viewer}},

Welcome to the Vaulted Views Podcast! This is your chance to join me on my journey into the minds of some of the most successful entrepreneurs, financial experts, and influential leaders across the nation.  

My very first episode is really special to me, as I’ve decided to start off this entire venture with my father, the GOAT, Ray Lucia Sr., a pioneering author, radio personality, and host of 'The Ray Lucia Show'. 

In this episode, my father and I share stories about our years working together including how I connected him with Shark Tank’s own, Kevin O’leary which resulted in them jamming together singing Hotel California, his time doing Sean Hannity’s radio and tv shows and his top-rated TV commercial with Hyundai.

The show begins with a brief history of the "Buckets of Money" strategy, now widely known as The Bucket Strategy®. So, if you haven’t heard the story of how that all began, you’re in for a real treat. We briefly discuss his 8-year battle with the SEC resulting in a 7-2 victory in the Supreme Court of the United States and the gag order he is currently bound to preventing his ability to discuss details of his case. Also, make sure you watch until the end to see Ray Sr. tell his famous “Times Up” joke.

This show is not just about crazy stories; it's a real-life journey of our family business and the rollercoaster of events that led to building a legacy, family wealth management business based on his groundbreaking retirement income strategy. 

Episode Highlights: 

• The 1987 Market Crash: Hear firsthand how the October crash of 1987 was a pivotal moment that led to the creation of The Bucket Strategy®. 

• From Local Radio to National Syndication: My father tells you how he went from a local radio host to a nationally syndicated financial advisor.

• The Birth of The Bucket Strategy®: Learn about the origins of The Bucket Strategy® and how it revolutionized retirement planning. 

• Family and Business: Get an inside look at what it’s like to work in a family business - both the challenges and the successes. Including the emotional challenges of being required to terminate my father from the very business he founded!

•  Scalability and Growth: Understand the importance of scalability in business and how we expanded our reach nationally. 

Why You Should Listen: 

If you’re interested in financial and retirement income planning, business growth, or simply a good origin story, then you do NOT want to miss my premiere episode! Whether you're an investor, financial advisor, or business owner, the insights you'll take from this masterclass will be invaluable. 

🎙️ New Episodes Release Every Monday: Available on YouTube, Spotify, Amazon, and Apple Podcasts. Subscribe to our newsletter to stay updated with the latest episodes and behind-the-scenes content. 

In this episode I definitely had more than my fair share of bourbon for a single sitting. I was pretty intimidated interviewing the GOAT for my very first show and this bourbon was absolutely the right “vice” for the moment.

E.H. Taylor Jr. Small Batch

I love this bourbon. It’s smooth, has notes of caramel and butterscotch, and is perfect for sipping. It costs about $100 a bottle.

Thank you for being a part of this journey. Discover what it takes to achieve excellence in money, business, and life on Vaulted Views.  

Cheers! 

Ray Lucia Jr. 
Host, Vaulted Views