In a distinguished career spanning more than thirty years, Ray Torres has emerged as an unparalleled luminary in the elaborate world of Retirement and Financial Planning Services. Renowned for his unyielding commitment to elevating the financial well-being of a diverse clientele, Ray's trajectory is marked by his unwavering dedication. 

Ray serves a diverse clientele comprising of Federal Employees, Executives, Educators, Business owners, pre-retirees, and Seniors, driven by a deep-seated desire to guide and assist them in navigating the complexities of retirement planning. His pursuit of the Certified Financial Fiduciary® designation underlines his avid dedication to providing honest assistance and upholding fiduciary responsibility, recognizing that retirement decisions demand a nuanced understanding. His evolution and expertise in the field reflect a deep recognition that retirement decisions cannot be simplified or learned through typical means, such as a quick internet search, but very much require a deeper understanding with personalized insight from financial experts. 

Rays approach and well-organized methods of educating his clients represent a unique fusion of personable and traditional encounters. In this increasingly virtual world, he recognizes and values the trust established through in-person meetings, allowing him to learn about his clients and thier financial goals, fostering a stress-free, honest environment for creating the ideal retirement plan. As a skilled expert in his field, ray instills confidence in his clients, assuring them that he is always looking out for their best interest. 

Acknowledging the unique needs of each client, Ray shines in customizing services. Whether clients are seeking guidance with financial planning, income distribution through the complexities of retirement plans, or implementing tax saving solutions, Ray meticulously tailors his expertise to each unique circumstance. He analyzes each financial situation and background carefully, being mindfully aware and considering many factors i.e., age, IRS timelines, financial concerns and individual preferences, setting him apart from others in the financial advisory field. 

As a holder of multiple licenses, including those essential for federal employee benefits, Ray's expertise extends far beyond the ordinary. As a Certified Financial Fiduciary®, he has successfully assisted with the retirement of all levels of federal employees. His client portfolio attests to his astute understanding of the distinctions of federal employees benefits as well as the financial considerations within the federal sector. 

Ray's accessibility and dedication are reinforced and supported by a large group of experts, including certified public accountants and Estate Planning Attorneys. Their collective proficiency in Social Security and tax matters, ensures retirees steer financial decisions flawlessly. His team guarantees the special needs are met for their clients, as they are all dedicated to their financial well-being, equally. His fulfillment in his role transcends mere professionalism; it is both a science and an art. He approaches every client situation as a unique challenge or puzzle, meticulously analyzing all factors to craft an individual and successful plan based on their financial needs. He is not just an advisor, but a custodian of financial wisdom and a beacon for those transitioning into the next stage in life of financial planning. Beyond being an advisor, Ray provides valuable guidance in areas such as Retirement, Social Security, savings, investments, taxes, insurance, and income distribution. 

The gratitude expressed by his clients is a testament to his unparalleled level of expertise, dedication, and overall success in the field. When it comes to financial advice, Ray Torres does not simply offer guidance; he orchestrates a symphony of financial success for those privileged to be under his stewardship. 

MLA FINANCIAL & INSURANCE INC.

President/Owner

Insurance Professional/Investment Adviser Representative/Fiduciary

Michael has been advising his clients for over 25 years managing, protecting, preserving and insuring their assets. He believes in careful investment planning and well thought out strategies working in a holistic approach, looking at all aspects of your financial life offering advice on a wide array of investment and insurance options to meet your goals.

Michael started his Insurance career in 1990 offering Medicare supplements and Long-term Care insurance. Furthering his education, he moved his focus toward financial planning.

In October of 2000 he started MLA Financial & Insurance Inc. with the goal of helping preserve his client’s assets. Expanding his education even further he is also an Investment Adviser Representative as well as a Certified Financial Fiduciary offering a full array of investment services.

Michael moved in 1983 from Peoria Illinois to Indian Shores, Florida. He and his Wife Debbie live in Spring Hill and enjoy the Florida life style, spending time with family and friends boating/snorkeling/fishing and traveling.

As an Investment Advisor Representative, I am a Fiduciary and I will work in your best interest.

After receiving a Bachelor’s degree in Entrepreneurship and Emerging Enterprises from Syracuse University, George started his career in financial services in New York City before relocating to South Florida in 2013. Currently, he is a Certified Wealth Strategist and Investment Advisor with 16 years’ experience specializing in Retirement Planning.

When not working, George enjoys helping others learn and improve themselves by volunteering for various non-profit organizations. He also enjoys playing tennis, traveling, fishing and scuba diving.

Carol Schmidlin has been practicing financial planning since 1993 and is passionate about helping families with all phases of Wealth Management. She provides detailed investment consulting and guides her clients to make smart decisions about their money. Her wealth management process continues with advanced planning to minimize taxes, enhance cash flow, maximize federal benefits, protect assets, transfer wealth, and help with charitable giving for those inclined.

As a Certified Financial Fiduciary (CFF), and charter member of the National Association of Certified Financial Fiduciaries, Carol Schmidlin adheres to the CFF Code of Conduct and the strict guidelines of the NACFF.  She is sworn to uphold the highest moral, ethical and fiduciary standards of service when providing advice to potential or existing clients.  As a fiduciary, she is required to give you advice that is in your best interest. Carol practices the Duties of Loyalty, Good Faith and Good Care for her clients, educating them first, using a Holistic Approach.  Carol holds the Master Registered Financial Consulting Designation (MRFC®) from the International Association of Registered Financial Consultants & is a member of Ed Slott's Master Elite IRA Advisor Group.  She is required to attend extensive tax planning training courses as well as pass exams on taxes and financial planning on a bi-annual basis.  She regularly provides a variety of benefit and retirement classes throughout the country and has appeared on NBC, CBS, ABC, and FOX affiliates across the country and has also been featured in articles on over 350 websites including CNBC, MSN Money, New Jersey Online (NJ.com), Reuters, MarketWatch and Yahoo Finance.

Carol maintains the Series 65, 7 and 63 licenses along with life and health insurance licensing. She holds a BS degree in Business from Rowan University. Carol’s financial planning practice, Franklin Planning, maintains a home office in Sewell, NJ along with a satellite office in Washington, DC. She and her husband Brett are blessed with three children, and one grandson. Carol can be reached at carol@franklinplanning.com or (856) 401-1101.

Lyle Boss has helped thousands of seniors navigate their financial retirement options for over two decades. With individuals retiring earlier and living longer, retirement income is a major area of concern for maturing Americans. His clients include government employees, teachers, physicians, farmers and business executives to name a few.

Not one of his clients has lost money in a market downturn.

Boss Financial and Insurance Services, LLC, was named one of the most dependable wealth managers in the Rocky Mountain area by Goldline research in the January 12, 2009, issue of Forbes Magazine. Lyle is a member of the National Association of Insurance and Financial Advisors (NAIFA) which protects and promotes the critical role of insurance provided by professional agents and advisors. He is also President of Franklin Institute Retirement & Estate Planning and has been helping his clients with estate planning since 1997.

Dr. Rafeek Mikhail established CaMu Financial and Insurance Services Inc. in Santa Clarita, California, in order to help people navigate sensitive financial issues. He treats his clients with integrity, employing honesty and empathy in all dealings while working in the clients’ best interests. Adding to his high-quality customer service, Dr. Mikhail maintains relationships with the Society of Certified Retirement Financial Advisors, a company that helps advisors stay current in the appropriate use of trusts, long-term care benefits, social security income, and 1035 and 1031 exchanges, among others. Dr. Rafeek Mikhail currently serves on the Board of the organization, a promotion he earned six months after becoming certified. With CaMu, Dr. Rafeek Mikhail and his colleagues focus their efforts on educating clients in order to help them arrive at the best financial conclusions. The company offers complimentary consultations on retirement, consumer debt, insurance, finances, college planning, investing, taxation, estates, and benefits. CaMu also provides assistance with the stock market, providing market watch, market summary, market sector, and market mover services. Dr. Rafeek Mikhail introduces clients to other investment options, estate-gifting strategies, estate-tax minimizing, and generation-skipping taxes. Clients can request quotes for short-term medical insurance, group health, long-term care, life insurance, business insurance, and disability insurance. Because of his expert leadership, Dr. Rafeek Mikhail has been acknowledged by various financial marketing organizations as one of the top agents in his field. As CEO of CaMu, he oversees marketing, training, sales, strategy planning, and performance improvement. Prior to establishing CaMu, Dr. Rafeek Mikhail studied medicine at Alexandria University. He is certified in protecting human subjects in biomedical and genetics research and is a member of the Society of Clinical Research Associates. Dr.Rafeek Mikhail serve as the chairman of the educational department of the society of certified retirement financial advisor. Dr. Rafeek Mikhail & CaMu Financial conducting mentoring classes nationwide for financial advisors & insurance agent on the behalf of some of the biggest financial & insurance marketing organizations as well as insurance company about how manage your business ethically & how you handle your client savings.

Mary Mikhail serves as a Certified Retirement Financial Advisor (CRFA) committed to working personally with clients to create market-safe, tax-free investment packages that meet their unique goals. She aims to provide clients with long-term profitability and consistent growth rather than short-term success, and she seeks to offer stability and constant income no matter the client’s situation. Mary Mikhail focuses on offering individuals the support needed to ensure that their savings and retirement funds are protected from the downside and only have the upside potential.

Mary Mikhail encourages her clients to buy insurance policies to help them pay off their mortgage early, as opposed to buying mortgage insurance designed to do so after death. She also assists in finding alternative accounts for her client’s CDs and for their variable annuities accounts and universal life insurance. As a CRFA at CaMu Financial and Insurance Services, Inc., in Santa Clarita, California, Mary Mikhail is also responsible for hiring new employees and training them in the ethical and professional guidelines necessary for success in her field.

Mary Mikhail recommends that her clients seek second opinions on any type of annuity account, as it may not be serving them optimally. Some common annuity accounts are IRAs, SEP-IRAs, CDs, savings, 401(k)s, TSAs, and TSPs. A truly well-modulated annuity account will boast features such as guaranteed life income as long as the client lives and a lump sum to be delivered to beneficiaries. Other features of a good annuity account include the ability to make tax deferred contributions and receive bonuses for every deposit to the account.

In addition, it may be possible to access funds in a retirement account early, without paying the federal penalty, if the account meets certain qualifying conditions. Mary Mikhail can explore this option with interested clients. She also helps her clients with alternative options for CDs and high-risk variable annuity accounts, and other accounts such as rollover IRAs or Roth IRAs can be discussed as well. Mary Mikhail has a Bachelor of Arts in Sociology from California State University, Los Angeles. In addition to being a CRFA, she is a licensed notary public and a life agent.

Mary Mikhail always educate her client about how save less and accomplish more for your retirement so you can enjoy living your life. Saving & retirement it's not about your contributions but it's about your account payout and how long it will last for you and your family.

Enyi Kanu is a speaker, thought leader, best-selling author and entrepreneur with over 30 years of experience in the financial services industry. He helps people preserve and transfer wealth, build wealth, manage taxes and receive lifetime income using traditional and Alternative Strategies. He has been featured by numerous professional organizations and the media, including Fortune, Forbes, Bloomberg Businessweek and Money magazines. As an author and speaker, he has delivered numerous presentations on sound income, investment, tax planning and risk management strategies. He received an Oppenheimer award for “Achieving the highest level of professional excellence in an ever-changing economic environment.” He is the Founder and Chief Investment Officer of kANU Asset Management, LLC., a Cincinnati-based Registered Investment Advisory (RIA) firm. He was Senior Vice President and Certified Portfolio Manager at Wachovia Securities. Before Wachovia, he was Vice President, Investments at Dean Witter Reynolds (now Morgan Stanley), which he joined in 1988. Enyi has extensive work experience in business, finance, planning, and management. He received an MBA in Finance from Xavier University in Cincinnati, Ohio and a Bachelor of Science degree in Business Administration from the University of Benin, Nigeria. He has FINRA Series 3, 7, 9, 10, 63 and 65 licenses, Amex Put and Call Securities Professional and licenses. Enyi is an investment professional with certifications in “Investment Policy & Asset Allocation,” “Manager Search & Selection” and “Performance Measurement & Evaluation.” He was also a member of Wachovia Securities “Chairman's Circle of Excellence.” Enyi's investment consulting discipline derives from Modern Portfolio Theory that he has developed into “The kANU Modern Portfolio Theory Plus”, which incorporates traditional and non-traditional asset classes, proper diversification, asset allocation, asset location, and risk balancers in the client’s investment policy. Enyi believes this complement is critical to optimal investment portfolio performance, risk management, and the accomplishment of the client’s objectives. He has also worked with various institutions advising on financial matters. He is a member of the Cincinnati USA Regional Chamber CEO Round Table and has served on numerous boards, including The Ohio Parents for Drug Free Youth, the American Red Cross, 4C for Children and the International Association of The Greater Cincinnati Area. Enyi founded kANU Asset Management in 2004 to deliver world-class advice anIn partnership with financial specialists all over the world, Enyi and his team work tirelessly on behalf of their clients. By aligning with like-minded boutique firms worldwide, kANU Asset Management provides their clients with access to a rigorously- assembled multi-disciplinary team of professionals and subject matter experts, with substantial credentials including JD, CPA, FA®, CFP®, ChFC®, LLM, CLU®, CIMA® LUTCF®, MBA and more.

With a myriad of changes occurring in our industry, a core attribute is adaptability. This is one of the key strengths of P.R.A.I.S. and of its' Principle Owner, Dana Gibson.

P.R.A.I.S is one of the premier Independent Retirement Planning Organizations/General Agencies in the nation. Dana has adapted to the changing needs of clients by enhancing services with full-service consulting based on a holistic, all facets approach to retirement planning & income. With his guidance and commitment to the industry, he’s driven innovation and best-in-class service on multiple fronts for nearly 1,000 clients across the United States. Dana's thought leadership is sought by many, and he frequently serves as a keynote speaker for insurance organizations, regulatory bodies and news media.

Dana is also a founding member of The Masters Institute as well as chapter president of the Society For Financial Awareness (SOFA).