At RAC Financial LLC, we place the highest value on our clients and their inter- ests. We provide our clients with financial clarity and security by utilizing strate- gies that embrace innovation and excellence.

We’re passionate about providing you with retirement strategies and solutions that help protect your future. Working together, we can customize a strategy that meets your personal and business needs, while helping you navigate a complex financial world.

We work with you to evaluate your income, expenses, liquidity needs, and retirement goals and craft a retirement strategy that’s unique to your situation. We are dedicated to helping you achieve financial independence by incorporating your retirement income into all pieces of your financial strategy.

We want to empower you to achieve financial independence by helping you:

  • Implement strategies to grow assets • Maximize your Social Security benefit • Minimize market risk
  • Learn tax-advantaged strategies
  • And, more!

Making strong commitments to you and building lifelong relationships are tenets of our success.


Retirement Strategies

We believe a retirement strategy is not a one-size-fits-all proposal. We provide you a framework that aims to satisfy your retirement income budgeting needs to go along with a risk tolerance that satisfies your growth expectations.

Social Security

We help you develop an understanding of your Social Security benefit and educate and inform you on the optimal time to start accepting your benefit. This brings you one step closer to the comfortable and happy retirement you have worked so hard for.

Retirement Income

We can help you design a retirement income plan capable of generating the income that meets your specific needs.

Insurance Solutions

Our firm specializes in helping you secure your retirement assets while still achieving growth by offering a variety of insurance products as part of a retirement strategy.

At RAC Financial LLC we have a fresh, new way of thinking and are dedicated to your future. Take the first step in preparing for tomorrow and ask us for more information today!


Financial Service Professional

Prior to joining the financial industry, Ray had 15 years’ experience working in both Healthcare and Pharmaceutical Sales and 11 years working as an Independent Financial Representative. Ray made the decision to start his own financial services company, RAC Financial, in 2021.

Ray Cabalan is an experienced and knowledgeable Financial Service Professional, ready to work with you to ensure you and your family’s financial future is secure. He has earned a Bachelor of Science degree in Business Management and an Associate degree in Nursing. He has also been a certified registered financial consultant and in annuities & life insurance.

Over the past 11 years, Ray has worked with clients to help them choose and manage strategic plans that will offer safe and good returns. As a financial professional, Ray’s main goal is to help you make well-informed decisions on what types of tax-efficient assets and retirement solutions are right for you. He also emphasizes the need to adjust strategic plans as your goals and needs change. Ray will always listen to your concerns and share all information about potential strategic plans including; benefits, risks and tax issues. He will treat your financial goals with the same care and interest that he devotes to his own.

Meanwhile, when not working, Ray plays tennis with friends and family. On weekends and days off, he accompanies his son to play for USTA, UTR and High School Tournaments. Ray looks forward to being your trusted partner and expert financial resource, as you work together to secure your goal for financial independence.

To recognize world-class financial consultants and empower them to make a transformational difference in the financial lives of the families and communities they serve.

IARFC (International Association of Registered Financial Consultant)