I've engaged several financial advisors before and I must say that Ray is one of the few who takes a genuine interest in people. He doesn't hard sell, is very knowledgeable and gives very sound and practical advice in personal financial matters. You know how some clients just don't Iike connecting with their advisors/agents? I don't feel that way at all with Ray. It's always nice catching up with him because it doesn't feel like I'm going for a sales talk. It's always an exchange of stories and personal experiences that makes each meeting so engaging. Ray is also very prompt in responding to queries and this is something I appreciate very much. I know my portfolio is in good hands with Ray and would not hesitate to refer my family and friends to him should the need arise.

Ray is very patient and knowledgeable. He is always pro-active and passionate about his job, and always improving himself so as to provide client with advices and better services. He would constantly check if there’s anything he can assist and quick in reply :)

I've engaged several financial advisors before and I must say that Ray is one of the few who takes a genuine interest in people. He doesn't hard sell, is very knowledgeable and gives very sound and practical advice in personal financial matters. You know how some clients just don't Iike connecting with their advisors/agents? I don't feel that way at all with Ray. It's always nice catching up with him because it doesn't feel like I'm going for a sales talk. It's always an exchange of stories and personal experiences that makes each meeting so engaging. Ray is also very prompt in responding to queries and this is something I appreciate very much. I know my portfolio is in good hands with Ray and would not hesitate to refer my family and friends to him should the need arise.

Ray is very patient and knowledgeable. He is always pro-active and passionate about his job, and always improving himself so as to provide client with advices and better services. He would constantly check if there’s anything he can assist and quick in reply :)

I've engaged several financial advisors before and I must say that Ray is one of the few who takes a genuine interest in people. He doesn't hard sell, is very knowledgeable and gives very sound and practical advice in personal financial matters. You know how some clients just don't Iike connecting with their advisors/agents? I don't feel that way at all with Ray. It's always nice catching up with him because it doesn't feel like I'm going for a sales talk. It's always an exchange of stories and personal experiences that makes each meeting so engaging. Ray is also very prompt in responding to queries and this is something I appreciate very much. I know my portfolio is in good hands with Ray and would not hesitate to refer my family and friends to him should the need arise.

Ray is very patient and knowledgeable. He is always pro-active and passionate about his job, and always improving himself so as to provide client with advices and better services. He would constantly check if there’s anything he can assist and quick in reply :)