Ray's prior experience includes 33 years with First Union National Bank/Wachovia Bank, retiring as Executive Vice-President and Senior Credit Officer. Ray was involved in working with high net worth individuals and large business entities for most of his career. His career took him to 6 different locations in North Carolina and Virginia. After retiring from banking, Ray earned his Certified Financial Planner designation and then started a second career in personal financial planning that would enable him to help clients achieve success in their financial life.Rays practice was a Fee-Only business. He provided comprehensive personal financial planning advice on an hourly or set fee basis. Ray was a financial planner 2002 through 2008; at which time he sold his business. Ray is a registered member of the National Association of Personal Financial Planners (NAPFA), which is the most selective national association of FEE-ONLY financial planners. He was also a member of the Financial Planning Association, a national association of personal financial advisors. Ray specialized in educating and empowering his clients to define and reach their financial goals. Ray has been quoted in a number of publications. . Ray is a graduate of Wake Forest University with a BA in Economics. He has graduated from several banking schools. He earned the Financial Planning Certificate from Virginia Commonwealth University. He received his Certified Financial Planner designation in 2002. He volunteers in various capacities at his church, neighborhood association, country club, Score, and the First Tee. 

Mr. Bailey is a third generation small business owner. I've held board positions in four leasing companies, construction services, founded eight other companies, including two equipment leasing companies, fleet maintenance, retail food, food distribution, record publishing, case goods, elder care services, consulting, agribusiness, and fast food concepts.  Currently I operate a commercial real estate investment and managment company. 

President and General Manager of Divisions of Coachmen Industries, Inc. with 30+ years in the ever changing manufacturing environment. Started plants in Indiana, Georgia, California and Tennessee. Managed successful turnarounds of troubled Companies and Divisions in California, Indiana and Michigan. Extensive Marketing and Sales experience to Dealer Networks.  A proven leader that has demonstrated a background in managing multi-million dollar companies and divisions. He is highly proficient in recognizing areas of need, dissecting the essentials and determining a short and long term direction. He works well under pressure and responds to change by finding innovative ways to perform tasks and achieve objectives. His areas of expertise are: Profit and Loss, Sales-t-Dealer based networks,sales and marketing management, budgeting/cost control, start ups and turnarounds, strategic planning,administrative/operational management.

Mr Bose has over 30 years of manufacturing and operations experience with GE and Stryker Medical, as well as with his own consulting firm.  As a consultant and project leader, he successfully work on various strategy or implementation projects for such organizations as GE, Ford, Bristol Myers Squibb, Johnson & Johnson, US Steel and Mattel/Fisher-Price, to name a few.

He is the principal of his own consulting firm, which delivers policy and systems solutions in the areas of Lean Six Sigma, Supply Chain Management, Quality, Team Building and Management Systems to small and mid-sized companies.