Financial Consultant

Ray is a personal financial consultant with over 32 years experience in personal credit management, real estate lending, residential real estate investing, and life insurance. Ray has helped many consumers overcome credit problems, debt-overload, in addition to helping be overcome financial illiteracy.

Talk Show Host

Ray has hosted and appeared has a guest on several talk shows and has provided thousands of listeners with valuable information when it comes to credit management, getting mortgage loans, investing in real estate and starting businesses. Ray is dedicated to providing valuable financial  information that can help people have a healthy financial life.

Author and Publisher

Ray’s book U’s Rules For Financial Success: How To Unlink The Poverty Chain is a “best seller” on Amazon. Ray’s book was written and designed to get people to think about there mind-set and enhance their financial knowledge in order to have a better financial life.