About Ray and Career & Financial Pathways LLC

Ray has helped people become financially independent for more than thirty years, including serving as a Financial Advisor with a national investment services firm, Volunteer Instructor for local investment clubs, and serving as a pro bono CERTIFIED FINANCIAL PLANNER™ Professional for members of the military.  Growing up in a large working-class family, Ray learned at an early age that if he wanted something, he needed to work and save to achieve the outcome.

Ray has helped people become financially independent for more than thirty years, including serving as a Financial Advisor with a national investment services firm, Volunteer Instructor for local investment clubs, and serving as a pro bono CERTIFIED FINANCIAL PLANNER™ Professional for members of the military.  Growing up in a large working-class family, Ray learned at an early age that if he wanted something, he needed to work and save to achieve the outcome.

The lessons Ray learned and experience he gained during his formative years stay with him to this day – “work hard and do your best, be a dedicated and honest contributor, support others & share your knowledge, and make the most of the opportunities you get – In the end you reach your goals.”  Ray brings these life lessons in his work as a Coach, Educator, & Mentor for Personal Finance and Career Development.

Ray earned a Master of Science in Personal Finance from Kansas State University along with passing the Certified Financial Planner™/CFP® Professional exam – providing him with the professional credentials to complement his lifelong study and application of successful money habits.

Ray is also a Highlands Certified Consultant, offering unique services in Career Readiness Assessment and Coaching to help his clients maximize their lifetime of earnings and reach greater personal fulfillment from their careers – leading to opportunities for his clients to stay out of debt, save and invest for long-term goals, while achieving a greater sense of purpose and satisfaction with life.

Ray is experienced (aka “battle tested” – yep, gray hair and all), credentialed (he values continued education), but most importantly financially free, living the dream, and ready to equip you to achieve the same!

Ray enjoys visiting with family and friends, traveling the country in his RV, and playing golf.  Most of all, Ray enjoys helping others realize their career and personal financial dreams!

Areas of Expertise

  • Career Readiness Assessment & Ongoing Coaching
    • Post High School
      (Have a plan!)
    • Mid Career Changers
      (Reboot Your Career)
    • "Encore" Career Decisions
      (aka Retirement)
  • Foundational Financial Education, Coaching, & Mentoring
    • Individuals & Families
    • Groups/Students

Education & Certification

  • CERTIFIED FINANCIAL PLANNER™
    PROFESSIONAL/CFP®
  • Master of Science, Personal Finance,
    Kansas State University
  • Highlands Certified Consultant™