Ray SteinRay Stein is a nationally recognized Financial Educator, Author, Speaker and Financial Planner, whom you may have seen in or on NBC, ABC, CBS, and FOX network affiliates and Fortune, Money, Bloomberg Business, Wall Street Select, Market Watch, DenverBusiness Journal, Denver Post, Yahoo Finance and others. Ray is married to his wife Arisa and spending time with their son Rohan. They are active in their church. Travel, being outdoors is an important part of their lives. Ray played a significant role in creating The Smiling Through Retirement Process(TM) Ray is a warm communicator and is passionate about sharing his financial wisdom and insights. Read More Read Less