Ray brings to the table over fourteen years of financial services experience having assumed roles in consumer and commercial finance, credit, lending and underwriting, asset management, financial planning and analysis, investment and insurance consulting.
Ray started his career in commercial and consumer banking, working at major financial institutions like Bank of America, Wachovia Bank, Wells Fargo Private Wealth Management, Suntrust Private Wealth Management, and Regions Investment Services spanning over a decade.
Ray obtained his B.S. in Finance and Marketing from the University of Miami and Florida International University and his M.Sc. in Finance from Florida International University. Ray possesses several investment and securities licenses in addition to Florida insurance licenses, is a CFA level I candidate and has several certifications in financial consulting, analysis and planning. Ray focuses on working with small and medium businesses, entrepreneurs, and professional service providers.