Raymond J. Lucia, CFP, (San Diego, CA) is one of the nation’s leading experts in the field of financial and business management.  He is the President and founder of the Raymond J. Lucia Companies, Inc., headquartered in San Diego, CA. managing over $500 million in assets. As a Certified Financial Planner®, Lucia has assisted thousands of people invest more than $2 billion using his famous Buckets of Money® retirement strategy over the course of his 36-year profession in the financial services industry. He has a radio show, “The Ray Lucia Show,” that is heard in over 60 markets across the country and is a recurrent guest on Fox News, Fox Business, CNBC, and The Today Show.  He has been labeled as “A rising star in talk radio,” listed as one of the top 100 most important radio talk show hosts in America by Talkers Magazine, and was named of the “10 Best Brokers in America” by Registered Rep. Magazine.  Lucia also works as a local business editor on TV stations in his hometown of San Diego and is author of Buckets of Money: How to Retire in Comfort and Safety (Wiley).

Dale Fetherling (San Diego, CA) has written or coauthored more than fifteen nonfiction books. He has taught writing and editing at five different colleges and universities.