Ray Lucia Sr. is an American retired Certified Financial Planner, author, and media personality best known for creating the Buckets of Money® retirement strategy, a time-segmented approach to retirement income that reshaped how advisors and investors view sustainable withdrawals. Over more than three decades in financial services, he served as President and CEO of Raymond J. Lucia Companies, Inc. for over fifteen years, earning recognition as a leading independent advisor and becoming a widely followed voice in retirement planning through national media.
