The Raymond J. Lucia Companies, Inc. (RJL) is a SEC Registered Investment Advisor. RJL provides Wealth Management Services to mass affluent investors in areas of Investment Management, Financial Planning, and Retirement Income Planning. As an independent investment advisory firm, RJL leverages the company's financial experts and industry relationships to develop customized financial solutions for their clients nationwide. RJL's founder and Chief Executive Officer, Raymond J. Lucia, CFP is a nationally recognized authority on Retirement Income Planning, Author, Keynote Speaker, Presenter, Fox News Contributor and Nationally Syndicated Radio Talk Show Host of the "Ray Lucia Show" on Business Talk Radio Network. RJL has representatives in California, Nevada, Washington, Oregon, Arizona, Texas, Minnesota, Louisiana, New York, New Jersey, and Florida.