Ray met Flip in 2006 when Ray was helping launch Beacon Financial Partners and Flip was an Investment Consultant at Calamos Investments, a Global Asset Management firm. They started as colleagues and became friends over the years spending time together in the Beacon office, on the golf course and on the baseball field, as teammates on the Cleveland Reds in the Greater Cleveland Adult Baseball League.

Because they always shared the same values when it came to Wealth Management, they began discussing joining forces in 2023. With Ray’s MBA and background in Corporate Accounting and Flip’s CIMA® and experience in Asset Management, they believed their partnership could create true synergies for their clients. Together, they bring over 50 years of experience to TOJ Private Wealth Management.

Jennifer completes the team with her 22 years of professional experience, 18 in hospitality marketing. She joined Ray in 2021 as Client Relationship Coordinator. She is both the face and the back office of the team. She is the person that makes everything we do at TOJ, even better.