As an advisor, Ray loves helping people explore their dreams and create strategies to help them fulfill their goals. He is passionate about helping his clients improve their quality of life and enjoys the intellectual challenge of financial planning. A graduate of the University at Buffalo, Ray joined the financial services industry more than 20 years ago as a financial advisor. He developed advanced skills in helping clients protect their finances and loved ones from risks, but wanted the freedom to build customized financial strategies for his clients. Ray founded HF Advisory Group in 2009 and formed HF Advisory Group RIA in July of 2020. This allowed Ray to put into practice his p