Ray has 20 years of experience in the financial services industry helping his clients make educated decisions while working together to develop proactive and tax efficient approaches to their finances. He helps clients determine their personal goals and better comprehend all of the opportunities available to them, then develops realistic strategies for obtaining them. He believes his clients should protect their hard-earned retirement assets while also employing effective strategies to grow their assets to sustain a long and comfortable retirement. His ultimate goal is to guide his clients down a path of success that will help them achieve life-long goals.
As a Financial Advisor, I believe success should be measured not just by your financial well-being, but by how confident you feel about your future. My mission is to help you reach your financial goals through a personal relationship based on personalized, knowledgeable advice. This focus is designed to help you reach your goals, giving you greater confidence. Whether you're looking for investment strategies, retirement income, funding for your child's education, or estate or tax planning strategies, we'll work with you on your terms. We offer a broad range of financial products and services including brokerage services and financial planning. We also offer flexibility in the way you work with us; online, with the help of an advisor, or both. The choice is yours.
Ray holds Series, 6,7,63 and 65 securities licenses as well as life and health insurance licenses. He is also an Accredited Asset Management Specialist® designation in 2002 and the Chartered Retirement Specialist ® in 2008. These designations are awarded to financial advisors that meet rigorous education and experience requirements as well as being held to the highest ethical and professional standards in the industry. Ray is a passionate University of Utah and Real Salt Lake fan. He enjoys staying active, golfing, shooting and traveling with his wife Alison. They have 4 kids
Securities offered through Sigma Financial Corporation * Member FINRA/SIPC Investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Upstream Investment Partners is independently owned and operated