If you’ve ever heard Ray’s APO Process ™ at any of the dozens of classes he teaches annually, you likely have heard a portion of the childhood events that shaped his life. His parents divorced when he was 4 years old and Ray was raised by a single parent who was plagued by drug and alcohol addiction. A broken family and financial hardship early in life created a drive in Ray to truly value what matters in life – family and helping others.
Today, Ray is a nationally recognized Advisor, Author and SAPOer who you may have seen on NBC, ABC, CBS and FOX network affiliates and in Bloomberg Business, Yahoo Finance, Investing Daily, Wall Street Select, and Market Watch, among others. However, if you ask Ray, his most proud accomplishments are his marriage to his high school sweetheart and becoming a father.
Ray is the co-author of Smiling Through Retirement ™: The Importance of Living Your Life in Five Year Increments and co-creator of the Smiling Through Retirement Process ™. As an advisor, Ray and the team at APO Financial Inc., show business owners, professionals, and executives how to preserve, protect, and pass on their wealth.
Ray co-created The Smiling Through Retirement Process ™ out of his passion to help people more fully enjoy their hard-earned wealth. He knows through personal experience, guiding both clients and family through retirement, that there are many pitfalls that can cause tremendous pain and regret in retirement, but also many opportunities that can lead to a fulfilling life.
A native of Colorado, Ray is an avid musician, skier, and proud father. He attended the Leeds School of Business at the University of Colorado Boulder and graduated with a degree in finance. Ray and his wife, Arisa, and their son enjoy spending time in the beautiful Colorado outdoors.