Ray is a Chartered Retirement Plan Specialist and a Chartered Financial Consultant. He started his financial services career in 1988 after a successful career in real estate sales and mortgage lending. He held positions at both Key Bank and Morgan Stanley before joining HUB International in 2001. Ray has completed his 20th successful year in his current role. Ray brings significant experience and understanding in the areas of both personal and business financial services.
His work is now primarily focused on individual wealth management and employer‐sponsored retirement plans working as a fiduciary in both areas. Ray holds FINRA Series 7, 24, 31, and 66 securities registrations, as well as his Life, Accident and Health, Property and Casualty Insurance licenses. Registered Representative and an Investment Advisor Representative of Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Fixed Insurance products and services are separate from and not offered through Commonwealth. He attained a bachelor’s degree from Northeastern University.
Ray and his wife, Marie, live in Naples, Florida. and Yarmouth, Maine. with their Golden Retriever Brody. Outside of the office, Ray enjoys golfing, skiing, riding his Harley, and traveling to new places.