“I’ve had the pleasure of working with Ray both professionally and personally, for almost 17 years and I highly recommend him. As a financial advisor, he is knowledgeable, thoughtful, and always goes above and beyond for the families that he works with. I refer many of my estate planning clients to him, and without fail, they come back impressed by his professionalism, clear communication, and genuine care for their financial well-being. On top of that, he’s simply a great person. He is someone I trust, respect, and am proud to know and work with.  If you're looking for an advisor who truly puts clients first and makes complex financial matters understandable and approachable, Ray is the one to call.”