Ray's prior experience includes 33 years with First Union National Bank/Wachovia Bank, retiring as Executive Vice-President and Senior Credit Officer. Ray was involved in working with high net worth individuals and large business entities for most of his career. His career took him to 6 different locations in North Carolina and Virginia. After retiring from banking, Ray earned his Certified Financial Planner designation and then started a second career in personal financial planning that would enable him to help clients achieve success in their financial life.Rays practice was a Fee-Only business. He provided comprehensive personal financial planning advice on an hourly or set fee basis. Ray was a financial planner 2002 through 2008; at which time he sold his business. Ray is a registered member of the National Association of Personal Financial Planners (NAPFA), which is the most selective national association of FEE-ONLY financial planners. He was also a member of the Financial Planning Association, a national association of personal financial advisors. Ray specialized in educating and empowering his clients to define and reach their financial goals. Ray has been quoted in a number of publications. . Ray is a graduate of Wake Forest University with a BA in Economics. He has graduated from several banking schools. He earned the Financial Planning Certificate from Virginia Commonwealth University. He received his Certified Financial Planner designation in 2002. He volunteers in various capacities at his church, neighborhood association, country club, Score, and the First Tee. 

1974 - Design engineer at Sperry Univac. Was promoted to manager in their mainframe computer Advanced Technology Organiziation. 1986 Company was purchased by Burroughs Corp and Unisys was formed. Was named product manager in Integrated Circuit Development. 1992 - Joined Pacific Communication Sciences Inc (PCSI). 1998 - joined QUASLCOMM, Inc. as Senior Program Manager. 2006 - Retired.

Experience includes business start-ups, acquisitions and sales, as well as franchise ownership and franchise recruiting and consulting. Have owned 7 small to medium sized businesses over the last 30 years. Bootstrapped 4, bought 3, sold 3. 

Specialize in startups, franchises, business acquisitions and sales.

Industry Expertise: Tax, Accounting, Auditing, Bookeeping, Risk management, Commercial credit, Financial analysis, Automotive, RV and marine banking, Finance, Project management. Personal Experience: President, USA Tax and Accounting, LLC - present; SVP/Risk Management, Bank of America - 2 years; SVP/Credit Review Manager, Bank of America - 14 years; Audit Officer, SunTrust Banks - 10 years. Interest in Counseling: Business coaching, E-counseling and in-person counseling, Business and Strategic Planning, Research and articles, Workshops.

Founded, owned and operated an association management firm for nearly 30 years. Sold company and retired in 2004. Had extensive experience in marketing, communications, legislative affairs, fund raising, business management, all aspects of managing a business and various trade and professional organizations. Was a Certified Association Executive. Former owner, manager of income property.