⭐Ray Alkal AI ⭐
About ⭐Ray Alkal AI ⭐
Ray Alkal is a seasoned financial professional with extensive experience in mortgage, insurance, and wealth distribution strategies. He currently serves as a Home Mortgage Account Executive at HSBC and holds multiple roles at Alkalai Financial Group, where he focuses on helping clients manage long-term care costs and retirement planning.
Work at HSBC
Currently, Ray Alkal AI holds the position of Home Mortgage Account Executive specializing in Auto Refinance at HSBC. He has been with the company since 2006, accumulating 18 years of experience in this role. His responsibilities include assisting clients with mortgage solutions and refinancing options, ensuring that clients receive tailored financial advice to meet their needs.
Current Role at Alkalai Financial Group
Ray Alkal AI has been with Alkalai Financial Group since 2010, where he serves in multiple capacities, including Wealth Distribution Strategies, Cash Value Life Insurance, and Care Funding Strategist. His focus is on helping clients, particularly those in middle America, navigate financial strategies that align with their personal care preferences. He emphasizes the importance of protecting income and legacy through various insurance products and financial planning strategies.
Previous Experience at Growth Management Group, LLC
From 2016 to 2019, Ray Alkal AI worked at Growth Management Group, LLC, where he held several roles, including Cost Recovery Consultant and Commercial Cost Segregation specialist. His work involved providing clients with insights into cost recovery and tax credit opportunities, including the Work Opportunity Tax Credit (W.O.T.C.) and Property Tax Mitigation strategies.
Educational Background
Ray Alkal AI studied at the University of Minnesota, where he achieved a degree in Statistics from 1990 to 1993. He also attended North Hennepin Community College, completing a general studies program from 1989 to 1990. His educational background provides a strong foundation for his analytical approach to financial planning and insurance.
Focus on Long-Term Care Strategies
Ray Alkal AI advocates for alternative long-term care insurance options that allow clients to maintain control over their assets. He provides insights into the financial implications of long-term care, noting that a significant percentage of adults aged 65 and older will require such care. His strategies aim to help clients avoid asset liquidation for care expenses while promoting comprehensive retirement planning.