Doug Ray

ABOUT

Doug Ray has been a financial advisor for 30 years and realized very early in his career the critical difference in the financial needs of those 5 to 10 years on either side of retirement as compared with those still building careers and retirement portfolios. Transitioning from asset building to asset protection and creating protected retirement income became the focus of his practice and professional education. Doug has guided hundreds of families to transition successfully into retirement, confident in knowing they’ve secured protected income that supports their lifestyle.

Born in Winston Salem, Doug graduated from East Carolina with a B.S. in Business Administration, then served eight years of active duty in the U.S. Navy as a combat aviator and instructor. During his instructor tour in Pensacola, he completed his MBA with a concentration in finance. He and his family returned to N.C. in 1988 where he worked for Merrill Lynch. In 1998, Doug opened his own practice as an independent financial advisor better able to offer his clients the best financial products for their goals without the captive product mentality of corporate financial firms. He has offices in South Charlotte and Clemmons with clients throughout North and South Carolina.

Doug Ray has been a Top of the Table member for the last nine years, representing the top 1% of all insurance and financial advisors in the world. He holds an MBA as well as designations as a Retirement Income Certified Planner® (RICP®), Chartered Financial Consultant® (ChFC®) and is a licensed insurance professional for life and long-term care products in North and South Carolina. He hosts ‘The Wealth Guardians’ Radio Show heard on WPTI 94.5FM, the Piedmont’s Talk Radio Saturday mornings and holds frequent public workshops on financial topics that can affect retirement income that include social security optimization, taxes in retirement, and long-term health care planning.

Doug and his wife Sherrie have been married 38 years and are blessed with two sons, a beautiful daughter-in-law and two cherished grandchildren. Doug is a member of
Harrison United Methodist Church and has completed the Dave Ramsey Financial Peace University Course. In the past, he’s served as a facilitator of Crown Financial Ministries, a faith-based financial program. He’s raised funds for the Make-A-Wish Foundation through his radio show and continues to give back to his community through church and community organizations, including providing educational seminars. His hobbies include golf, collecting coins and cheering his beloved Green Bay Packers, East Carolina Pirates and of course, the Carolina Panthers.

FEATURED VIDEOS

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October 12, 2019 - What Happens to Your Retirement Plan When Your Spouse Passes Away?

October 16, 2019
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October 05, 2019 - Key Dates and Ages Related to Your Retirement

October 7, 2019
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September 28, 2019 - It's About More Than Money

September 27, 2019
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September 14, 2019 - Is Retiring Early a Mistake?

September 16, 2019
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September 07, 2019 - It's Back to School Time for Your Retirement Planning

September 10, 2019
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August 31, 2019 - What Your Advisor Doesn't Know Can Hurt You

August 20, 2019
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August 24, 2019 - The Many Different Faces of Risk in Retirement

August 20, 2019
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August 17, 2019 - Five Factors that Contribute Social Security Benefits

August 20, 2019
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August 03, 2019 - There’s More to Preparing for Retirement Than the Money

August 7, 2019
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July 27, 2019 - Should You Roll Over or Not?

July 30, 2019
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July 20, 2019 - What Your Advisor Doesn't Know Can Hurt You

July 23, 2019
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July 13, 2019 - Will You Achieve Financial Independence in Retirement?

July 16, 2019
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June 29, 2019 - Ensuring Your Money Lasts as Long as You Do

July 1, 2019
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June 22, 2019 - Are You Taking Unnecessary Risks?

June 21, 2019
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June 15, 2019 - Leave Memories, Not Problems

June 13, 2019
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June 01, 2019 - Are You Saving Properly for a Successful Retirement?

June 3, 2019
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May 25, 2019 - Question of the Month: Roth Conversions

May 29, 2019
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May 18, 2019 - Mothers and Women and Their Retirement

May 20, 2019
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May 11, 2019 - The New World of Retirement Planning

May 20, 2019
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April 27, 2019 - It’s Not How You Look; Just That You Win

April 30, 2019
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April 20, 2019 - Are You "Trust"worthy?

April 23, 2019
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April 13, 2019 - Survive and Advance

April 17, 2019
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March 30, 2019 - Critical Retirement Decisions

March 28, 2019
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March 23, 2019 - How to Save Tax Dollars with New Tax System in Place

March 22, 2019
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March 16, 2019 - 401K Mistakes to Avoid

March 18, 2019
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March 09, 2019 - The Future of Social Security

March 13, 2019
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March 02, 2019 - Retirement Realities

March 7, 2019
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February 16, 2019 - Are You Able to Retire?

February 20, 2019
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February 09, 2019 - New Year, New Rules

February 11, 2019
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January 19, 2019 - Should You Be Worried About the Markets?

January 24, 2019
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January 12, 2019 - Bob Rinear: The Markets and Politics

January 16, 2019
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December 22, 2018 - Questions and Answers

January 2, 2019
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December 15, 2018 - Retirement Traps to Avoid

December 14, 2018
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December 01, 2018 - The Stock Market in 2018

December 5, 2018
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October 27, 2018 - How to Maximize Your Retirement Accounts

November 28, 2018
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October 13, 2018 - Trade Wars and Markets

November 28, 2018
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October 20, 2018 - Questions and Answers Show

November 28, 2018
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September 29, 2018 - Uncle Sam and Your Retirement

November 28, 2018
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August 11, 2018 - The Sandwich Generation

November 28, 2018
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August 25, 2018 - 2018 Deadlines to Know

November 28, 2018
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August 18, 2018 - Questions and Answers

November 28, 2018
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June 30, 2018 - Maximizing Social Security Benefits

November 28, 2018
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July 28, 2018 - Remembering the Great Recession and Its Lessons

November 28, 2018
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June 23, 2018 - Estate Planning: What You Need to Know

November 28, 2018
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May 19, 2018 - Unique Financial Challenges Faced by Women

November 28, 2018
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May 26, 2018 - Target Date Funds and Your 401K

November 28, 2018
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May 05, 2018 - The Impact of 2018 Tax Law Changes

November 28, 2018
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April 14, 2018 - Stock Market Volatility

November 28, 2018
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April 07, 2018 - Questions and Answers Show

November 28, 2018
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March 31, 2018 - To Roll Over or Not?

November 28, 2018
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March 24, 2018 - Retirement: Survive and Advance

November 28, 2018
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March 17, 2018 - Are You 401k Smart?

November 28, 2018
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March 10, 2018 - Threats to Your Retirement Budget

November 28, 2018
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February 24, 2018 - Question and Answer Show

November 28, 2018
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February 10, 2018 - The New World of Retirement Planning

November 28, 2018
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February 03, 2018 - Retirement Decisions and Risks You Face

November 28, 2018
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January 27, 2018 - Commonly Asked Tax Questions

November 28, 2018
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January 13, 2018 - Financial Case Studies

November 28, 2018
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January 06, 2018 - Implications of The New Tax Law

November 28, 2018
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December 23, 2017 - Moves To Consider Regarding the New Tax Bill

November 28, 2018
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December 16, 2017 - Time Is Running Out: Upcoming Financial Deadlines

November 28, 2018
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November 18, 2017 - Retirement Traps to Avoid

November 28, 2018
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November 04, 2017 - Big Changes Coming to Social Security

November 28, 2018
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November 11, 2017 - Recharacterization of a Roth IRA

November 28, 2018
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October 07, 2017 - Using Retirement Savings for College Education

November 28, 2018
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September 09, 2017 - Making the Right Decisions in Retirement

November 28, 2018
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September 02, 2017 - How to Maximize Your Retirement Accounts

November 28, 2018
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August 19, 2017 - What's Causing This Rally?

November 28, 2018
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August 26, 2017 - Retirement Rules That No Longer Apply

November 28, 2018
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August 05, 2017 - Tax Reform

November 28, 2018
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July 15, 2017 - The Fiduciary Standard

November 28, 2018
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June 24, 2017 - A Bite Out of Your Retirement: What's the Answer?

November 28, 2018
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July 22, 2017 - Making Your Money Work for You

November 28, 2018
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May 20, 2017 - Bulls vs. Bears

November 28, 2018
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June 17, 2017 - Riding the Current 'Up Wave' on Its Way Down

November 28, 2018
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May 06, 2017 - Are We In a Bubble?

November 28, 2018
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April 29, 2017 - Real Life Case Studies for a Successful Retirement

November 28, 2018
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April 22, 2017 - Bull or Bear: A Current Market Perspective

November 28, 2018
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April 08, 2017 - 6 Critical Milestones for a Happy Retirement

November 28, 2018
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March 25, 2017 - Competitive Returns on Tax Free Income

November 28, 2018
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March 18, 2017 - Biggest Concerns for Retirement

November 28, 2018
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March 04, 2017 - 401k and Happily Ever After?

November 28, 2018
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February 18, 2017 - Brexit, a New President, and You

November 28, 2018
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January 21, 2017 - The Tale of Two Retirements

November 28, 2018
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February 11, 2017 - What's a Fiduciary?

November 28, 2018
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January 14, 2017 - Doug's Outlook on 2017

November 28, 2018
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December 03, 2016 - What Your Advisor Doesn't Know Could Hurt You

November 28, 2018
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December 10, 2016 - Annuities in Your Retirement Portfolio

November 28, 2018
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November 19, 2016 - Roth Conversions

November 28, 2018
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November 05, 2016 - Michelle Rademacher of Hope for the Warriors

November 28, 2018
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November 12, 2016 - Taking Advantage of Your Investments Under a Trump Presidency

November 28, 2018
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October 29, 2016 - Retirement Can Be Spooky But It Doesn't Have to Be

November 28, 2018
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October 01, 2016 - Social Security Expert Hamilton Morales

November 28, 2018
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October 15, 2016 - Doug Discusses Everything 401(k) Related

November 28, 2018
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September 17, 2016 - How to Keep More of Your Hard Earned Money

November 28, 2018
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September 10, 2016 - Are You Timing Your Retirement Correctly?

November 28, 2018
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August 27, 2016 - Common Holes and Pitfalls of Retirement Plans

November 28, 2018
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August 20, 2016 - How the Presidential Candidates View Retirement Issues

November 28, 2018
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August 06, 2016 - Taxing Social Security Benefits

November 28, 2018
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July 23, 2016 - Current State of the Markets

November 28, 2018
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July 16, 2016 - Bob Rinear, Author of "Invest Yourself"

November 28, 2018
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July 02, 2016 - 7 Steps to Financial Independence

November 28, 2018
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June 04, 2016 - Doug's Thoughts on the Economic Recovery

November 28, 2018
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May 14, 2016 - The Biggest Risk to Your Retirement

November 28, 2018
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April 30, 2016 - Maximizing Your Social Security Benefits

November 28, 2018
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April 23, 2016 - Cash Flow is KING!

November 28, 2018
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April 09, 2016 - Important Social Security Filing Strategies

November 28, 2018
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April 02, 2016 - It Ain't Your Daddy's Retirement

November 28, 2018
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March 19, 2016 - Identifying Risks in Retirement Planning

November 28, 2018
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March 05, 2016 - Latest Changes to Several Social Security Filing Strategies

November 28, 2018
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February 27, 2016 - Does a Financial Advisor Cost You Money or Make You Money?

November 28, 2018
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February 20, 2016 - Mastering Your Plan for Retirement

November 28, 2018
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February 13, 2018 - Have Things REALLY Changed?

November 28, 2018
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January 09, 2016 - Financial Fundamentals for the New Year

November 28, 2018
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December 12, 2015 - Economic and Market Updates

November 27, 2018
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December 05, 2015 - IRAs and Your Retirement Plan

November 27, 2018
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November 14, 2015 - Explaining Recent Social Security Changes

November 27, 2018
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October 31, 2015 - Preparing for Unexpected Retirement Roadblocks

November 27, 2018
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October 17, 2015 - Tips for Claiming Social Security Benefits

November 27, 2018
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August 15, 2015 - Josh Bernstein. Spokesperson for Association for Mature American Citizens

November 27, 2018
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August 01, 2015 - Tax Efficient Retirement Income Planning

November 27, 2018
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July 25, 2015 - Philip Romero, Author of “Your Macroeconomic Edge”

November 27, 2018
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July 18, 2015 - David McKnight, Author of “The Power of Zero"

November 27, 2018
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June 27, 2015 - Alexandra Macqueen, Co-Author of “Pensionize Your Nest Egg”

November 27, 2018
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July 04, 2015 - Tim Wood, Editor of Cycles News and Views

November 27, 2018
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May 09, 2015 - Estate Planning 101

November 27, 2018
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June 20, 2015 - Laurence Kotlikoff, Author of “Get What’s Yours"

November 27, 2018
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April 25, 2015 - The Secrets to Maxing Out Your Social Security

November 27, 2018
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April 25, 2015 - Financial Advisor Van Mueller

November 27, 2018
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April 18, 2015 - Richard London, Author of "A Handbook for Life"

November 27, 2018
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March 21, 2015 - The Benefits of Trusts and Estate Planning

November 27, 2018
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March 14, 2015 - Why Some Diets Work and Others Don't

November 27, 2018
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March 07, 2015 - What Happens When the Debt Bubble Pops?

November 27, 2018
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February 28, 2015 - Maximizing Your Social Security Benefits

November 27, 2018
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February 21, 2015 - Tax Advantages of Owning Real Estate

November 27, 2018
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February 14, 2015 - Small Steps to Improve Heart Health

November 27, 2018
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February 07, 2015 - OPEC and the Price of Oil

November 27, 2018
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February 01, 2015 - The Importance of Income Planning

November 27, 2018
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January 24, 2015 - Explaining The Mediterranean Zone Diet

November 27, 2018
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January 18, 2015 - Social Security: Why It Pays to Wait

November 27, 2018
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January 05, 2015 - Understanding Charitable Trusts And Options

November 27, 2018
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December 22, 2014 - Inherited Collectibles: Obstacles and Opportunities

December 19, 2014
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December 16, 2014 - Long Term Care: The Psychology of Denial

December 14, 2014
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