Born and raised in Rochester, NY, Ray attended St. John Fisher College before receiving his MBA from the University of South Florida in Tampa.
He worked for William R. Hough & Co., in St. Petersburg, as a municipal bond broker, becoming a partner there in 1990.
He moved to Georgia in 1993 joining Dean Witter in Peachtree City, before moving to Lincoln Financial in 1996 as Director of Financial Planning. Ray started his own firm in 1999, offering comprehensive financial planning and advisory services through Commonwealth Financial Network.
He has taught money management classes through adult education programs and has been a featured speaker for numerous corporations.
And Ray has never quite given up his dream of someday playing baseball for the New York Yankees! He currently plays right field for the Atlanta Rays in the local Men's Senior Baseball League, and is patiently waiting for the Steinbrenner family to call!