President & Chief Executive Officer

As President & CEO of RJL Wealth Management, Ray Lucia, Jr. is responsible for the firm’s financial strategy, product design and supervision of the day-to-day activities.  Ray has helped thousands of clients with their financial and retirement plans through the years and actively supports the firm’s Wealth Managers by sharing his expertise in the areas of portfolio design and tax planning.  Ray also manages the firm's Investment Advisory, Broker/Dealer and Insurance Company relationships.  Most importantly, Ray is dedicated to providing the highest level of investment advice and client service.

Ray has been active in the financial services industry for 12 years.  He began his career at Deloitte & Touche where he served corporate and high net worth clients as a tax advisor.  Ray attended Loyola Marymount University in Los Angeles, and graduated with a B.S. in Accounting.  Ray currently holds the CPA certification, and has earned the Personal Financial Specialist designation from the AICPA.

Chief Operating Officer, Chief Financial Officer

As Chief Operating Officer and Chief Financial Officer of RJL Wealth Management, Brent participates in the strategic direction and oversight of all aspects of the firm.  Brent is directly responsible for leading the firm’s financial, administrative, human resources and information technology functions.

Brent joined RJL Wealth Management from BRE Commercial, the largest commercial real estate services company in San Diego where he was COO/CFO.  Prior to that position, Brent was the Vice President of Finance and Treasurer of AMN Healthcare (NYSE: AHS), an international healthcare staffing company, where he played an integral role in the successful completion of over $1 billion in debt and equity transactions.  Brent began his career with Deloitte and Touche and is a Certified Public Accountant.  He graduated from UCLA with a degree in Business Economics.

Chief Compliance Officer

As Chief Compliance Officer, Theresa is responsible for ensuring continued and proactive compliance with federal and state securities laws and that the firm’s fiduciary obligations to clients are fulfilled.  Theresa works with our team of financial advisors to ensure they understand and meet the complex and diverse regulations.

Theresa joined RJL Wealth Management from Securities America where she held management positions in their compliance and operations departments.  Ochs received a B.S. in Business Management from Bellevue University in Bellevue, Nebraska.  She holds the following licenses; Series 7-General Securities Representative, Series 66- Uniform Investment Adviser Law Examination (NASAA), Series 24-General Securities Principal, Series 53-Municipal Securities Principal.

As Director of Financial Planning, Rick is responsible for the oversight and guidance of RJLWM's wealth services. In this role, he is an invaluable resource to our Wealth Management Team, advising on asset allocation strategies, and helping clients design sophisticated financial, tax, and estate planning solutions.

Rick has been a financial planner for over 25 years and joined "The Ray Lucia Show" as a member of the "Brain Trust" in 1993. Known as "Professor Plum" on the show, he assists in answering financial questions on all topics regarding personal finance. Plum is a native San Diegan who graduated from San Diego State University and holds the CERTIFIED FINANCIAL PLANNER™ designation.

Vice President of Financial Advisors

As Vice President Financial Advisors, Joe supervises and manages the firm’s financial advisors and provides sales support.  He is responsible for ensuring excellent client service, training and investment product due diligence.  In addition, Joe serves as relationship manager for over 500 clients in Nevada, Arizona and California.

Prior to joining the firm in 2006, Joe owned and operated a multi-million dollar national import-wholesale business with distribution in 44 states.  He is a graduate of Pepperdine University with a Bachelor of Science in Business Administration.

President of RJL Insurance Services, LLC

Regional Vice President, RJL Wealth Management

As President of RJL Insurance Services, LLC, Terry is responsible for the selection and due diligence of the insurance companies, and fixed products offered to the clients of RJL Wealth Management, LLC.  As Regional Vice President at RJL Wealth Management, LLC, Terry manages Financial Advisors in Washington, Oregon, Colorado and California.

Terry began his career in Financial Services in 1983 as an Advisor at John Hancock Financial Services. Since then, he has held several positions including Financial Advisor, Regional Vice President and Senior Vice President. As a financial advisor, he specialized in retirement and estate planning strategies. Working as a Regional Vice President and a Senior Vice President, Terry was responsible for product development and national distribution strategies at several companies nationally.  Terry earned his Chartered Financial Consultant designation from The American College in Bryn Mawr, Pennsylvania in 1994.

Vice President of Organizational Development & HR

As Vice President of Organizational Development & HR, Stacy is responsible for talent acquisition, performance management, organizational effectiveness, learning and training activities and Human Resources administration.  She is an integral part to ensuring that our advisors and staff are well trained and is committed to the highest level of client service.

Stacy started her career in Organizational Development with Jenny Craig International, the industry-leading weight management company. She spent over a decade working in many capacities for the company with increasing responsibility in both the field and corporate operations.   Later, Stacy spent 6 years with AMN Healthcare(NYSE: AHS), an international healthcare staffing company, where she was hired to initiate the training function within their newly formed Human Resources Department for a company of 900 employees at 6 global locations which eventually grew to over 2,000 employees at 10 locations internationally and over $1B in revenue. She is one of only 800 professionals in the nation who holds the Certified Professional in Learning & Performance (CPLP) distinction from the American Society of Training & Development.