Ray offers essential expertise in all key areas of Financial Services for retirees and future retirees, including Income Tax planning, Retirement Income Planning, Retirement Accumulation Planning, Asset Protection, Estate planning and Long Term Care Planning.
This complete package of all the disciplines of financial services makes Ray exclusively qualified to be your personal advisor in retirement income planning.
Ray's value-based advisory service is focused on your individual goals and desires.
Ray Kidalowski has, for over 15 years, provided financial counseling services to clients preparing for retirement or currently in retirement.
This process may include a complete financial plan and always includes education regarding choices, and why specific recommendations should be implemented.
Nothing is more valuable than good advice. Ray's experience, industry knowledge, and tax knowledge coupled with Ray's network of professionals in the community, can help you sleep better knowing you have a solid financial plan.
"In theory, there is no difference between theory and practice. But, in practice, there is." Jan van de Snepscheut
Credentials:
Certified Public Accountant CPA: offering tax saving ideas that reduce the amount you pay to the IRS over your lifetime and the lifetime of your heirs.
Insurance licensed: licensed in life, accident and variable insurance products with an analytical understanding of how these concepts actually work.
Graduate PACE University: BBA Accounting & Finance
Before becoming an independent provider of financial services, Ray served as Controller of a subsidiary of a Fortune 500 company Ray has also served as the treasurer of small mutual fund.
Email or call Ray at 518-464-9040