Ray Lucia

**Raymond Joseph Lucia, Sr.** tsohon ɗan Amurka ne mai ba da shawara kan harkokin kuɗi,  tsohon mai ba da shawara kan harkokin saka hannun jari mai rijista,  marubuci, halayen rediyo kuma mai gabatar da shirye-shiryen talabijin .  Shi ne mai gabatar da shirin *The Ray Lucia Show*, wani shiri na tattaunawa kan harkokin kuɗi na rediyo da talabijin na ƙasa baki ɗaya a Business Talk Radio Network da kuma cibiyar sadarwa ta Biz Television. 

A ranar 8 ga Yuli, 2013, Hukumar Tsaro da Musayar Hannun Jari ta Amurka (SEC) ta hana shi hulɗa da mai ba da shawara kan zuba jari, dillali ko dillali, ta soke lasisinsa da na tsohon kamfaninsa, sannan ta ci tarar duka biyun -- $50,000 ga Lucia da $250,000 ga tsohon kamfaninsa. 

An haifi Lucia a Philadelphia, Pennsylvania. Iyalinsa sun ƙaura zuwa Poway, California lokacin da Lucia take da shekaru goma.  Ya je Kwalejin Palomar kan tallafin karatu a ƙwallon ƙafa kuma ya sami digirin koyarwa.  Kafin ya zama mai ba da shawara kan harkokin kuɗi, Lucia malamar makarantar sakandare ce kuma mai horar da ƙwallon ƙafa, kuma tana buga guitar da waƙa a cikin ƙungiyar mawaƙa ta rock. Lucia da matarsa suna da 'ya'ya huɗu.

## Mai ba da shawara kan harkokin kuɗi
Lucia ta kafa Raymond J. Lucia Companies, Inc. kuma ta kasance shugabar kamfanin kuma babban jami'in gudanarwa na tsawon shekaru sama da ashirin.  Mujallar Registered Rep ta nada Lucia a matsayin daya daga cikin "Manyan Masu Ba da Shawara kan Kudi Masu Zaman Kansu 100 a Amurka" a shekarar 2008,  kuma yana daya daga cikin masu ba da shawara kan harkokin kudi goma da aka amince da su a cikin "Kyaututtukan Dillalai Masu Kyau" na mujallar a shekarar 2004. 

A ranar 5 ga Satumba, 2012, SEC ta yi zargin cewa Ray Lucia ya yaɗa bayanai marasa tushe game da dabarunsa *na Buckets of Money* a jerin tarurrukan saka hannun jari.  Lucia ya tabbatar wa masu zuba jari cewa an gwada dabarunsa a lokacin kasuwannin beyar. SEC ta yi iƙirarin cewa gwajin baya-bayan nan da Lucia ta yi kawai shine wasu "ƙididdiga da aka yi a ƙarshen shekarun 1990 da kuma takardu biyu masu shafuka biyu."

A ranar 9 ga Yuli, 2013, wani alkali na gudanarwa ya umarci Lucia da ta biya dala $50,000, inda ya gano cewa ikirarin Lucia cewa an gwada dabarunsa ta hanyar gwaji ba gaskiya ba ne.  Alkalin gudanarwa ya hana Lucia yin hulɗa da duk wani mai ba da shawara kan saka hannun jari ko dillali, ya kwace rajistar mai ba da shawara kan saka hannun jari na Raymond J. Lucia Companies Inc., sannan ya ci kamfanin tarar  . Lucia ta daukaka kara kan hukuncin, tana mai jayayya cewa matsayin alkalin gudanarwa a cikin SEC jami'in Amurka ne wanda ke buƙatar naɗin wannan matsayi, kuma ta yi jayayya cewa ba a naɗa alkalin SEC na yanzu yadda ya kamata ba. SEC da Kotun Gundumar sun yi watsi da hujjar Lucia, wanda ya sa ya shigar da ƙara zuwa Kotun Koli ta Amurka a tsakiyar 2017. Kotun ta saurari ƙarar kamar yadda *Lucia da SEC suka yi*, kuma a watan Yunin 2018, sun yanke hukunci kan matsayin Lucia cewa irin waɗannan alkalan gudanarwa jami'ai ne kuma dole ne a ɗauki su aiki yadda ya kamata. Sun soke hukunce-hukuncen da suka gabata kuma suka ba Lucia sabon zaman sauraren ƙara a cikin SEC a ƙarƙashin alkali na gudanarwa da aka naɗa daidai. 

Ya zuwa ranar 1/3/2015, bayanan tarihin Dillalin FINRA na Ray Lucia Senior sun ƙunshi takaddama 21 game da abokan ciniki, 8 daga cikinsu har yanzu suna nan a ranar 1/3/15. Biyar daga cikinsu sun fito ne daga 2012, shida 2013 da takwas daga 2014. Goma daga cikin da'awar "masu sulhu" goma sha ɗaya da kuma bakwai daga cikin da'awar "masu jiran tsammani" takwas suna cikin "Harakokin Gidaje."

## Rubutu
Lucia ita ce marubucin littattafai uku da suka mayar da hankali kan dabarun saka hannun jari na ritaya, tare da abokin aikinsa Dale Fetherling:

* *Maganin Ritaya na Bokiti: Jagora Mafi Kyau ga Samun Kuɗi don Rayuwa* (2010) (kalma ta gaba ta Ben Stein ) 
* *A Shirye... Saita... Yi Ritaya! Dabaru na Kuɗi Don Sauran Rayuwarka* (2007) 
* *Bokitin Kuɗi: Yadda Ake Ritaya Cikin Jin Daɗi da Tsaro* (2004) 

## Rediyo da talabijin
A shekarar 1990, *shirin Ray Lucia* ya fara watsa shirye-shiryensa a tashar rediyo ta KFMB (AM) da ke San Diego. Daga 2000 zuwa 2011, an fara watsa shirye-shiryen a duk fadin kasar a Business Talk Radio Network. A halin yanzu ana iya jin sa a Global American Broadcasting Network  A shekarar 2009, Mujallar Talkers ta ayyana Lucia a matsayin daya daga cikin "Mafi Muhimmancin Masu Ba da Shawarwari kan Shirye-shiryen Rediyo 100 a Amurka."  Lucia kuma bako ce a shirin Sean Hannity .  A watan Satumba na 2010 Biz Television Network ta dauki *shirin Ray Lucia* a talabijin.  Baya ga shirin nasa, Lucia ta fito a shirin Good Morning America na ABC,  Fox News Channel 's Your World With Neil Cavuto da The Cost of Freedom  da kuma shirin CNBC 's On The Money.  Lucia ta sanar a watan Yunin 2019 cewa zai yi ritaya daga watsa shirye-shirye. Shirinsa na 28 ga Yuni zai zama na karshe. 

## Manazarta