Ray Henderson, CLTC

Financial Advisor
Ray Henderson

Office: 757-314-4638

277 Bendix Rd Ste 450
Virginia Beach, VA 23452-1362

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How can a Financial
Advisor help you?

My Mission

"My mission as your Financial Advisor is to help you gain confidence and clarity regarding your current and future financial situation. As we align your actions with your intentions, and help you take the necessary steps to achieving your goals, you will enjoy having a trusted, competent Advisor that provides customized and innovative solutions for your individual situation. Thank you for the opportunity to help you ensure your family's financial security."

-Ray Henderson, CLTC, Financial Advisor

About Your Financial Advisory Team

Ray Henderson is a Financial Advisor that engages his clients in comprehensive financial planning. He and his team work diligently with individuals, families and business owners, helping them prepare for retirement as well as enjoy the lifestyle they've worked hard to build over their working years. He provides an ongoing relationship to ensure his clients receive sound advice up to and throughout their retirement years.

Our practice has established trusting relationships with some of the most respected Estate Planning and Elder Law Attorneys, Certified Public Accounts, Care Managers, and other Advisors who assist retirees with navigating the myriad of options to a successful retirement, and multi-generational planning. Ray Henderson and his team are well-qualified to help you with your investment, retirement, insurance, estate, and long-term care planning needs. Click here to learn more about our background, licenses, and qualifications.

We are here to help you ensure all of your financial goals and needs are met. Give us a call today to get started.

Retirement, Long-Term Care, and Estate Planning

The practice's Retirement Planning sub-specialty involves helping Attorneys, Accountants and other Advisors provide guidance to families that are caring for aging parents or loved ones. In order to protect and preserve retirement assets, trained specialists should be engaged to coordinate strategies with your family's Estate Plan, Investment Plan, and your Care Plan for your loved one. Investment advice, financial planning, estate planning, trust services, special needs planning, and other areas of expertise are all critical to properly executing a family's wishes when a loved one has become ill.

Click here to learn more about how our practice specialties can help you.

The Sandwich Generation

So far, about 20 million baby boomers (people born between 1946 and 1964) are also members of the sandwich generation and have already started to grapple with the formidable task of fulfilling three major responsibilities at once:

  • Raising children and creating a college savings plan.
  • Helping care for and/or support aging parents.
  • Planning for retirement.

Read more:

Are you the meat in the sandwich generation – Northwestern Mutual  

If you are approaching retirement, living in retirement, or caring for an aging loved one, consider the following questions:

  1. How does your Retirement Income Distribution strategy differ from your Wealth Accumulation strategy you have used over the years?
  2. Are your Financial Advisor, Attorney, and Accountant communicating regarding your financial situation and planning?
  3. Do you understand the full-scope of how all of your finances are working together?
  4. How will you manage a long-term care need for you, your spouse, or a loved one in retirement, the largest financial risk facing retirees in their retirement years?
  5. Do you have multiple Advisors and sometimes receive varying advice?
  6. Is your financial security backed up by a company that has a premier ranking in Financial Planning, Investment Products & Advice, and Insurance Products?  

Backed by an Industry Leader: Northwestern Mutual 

Ray's team has the unique ability to provide the objectivity and expertise that you need, backed by a world-class company with an impeccable reputation, Northwestern Mutual.

Mutual companies are owned by their clients, not the investing public...so our chief interest, is you. The depth of our resources include on-staff Advanced Planning Attorneys, dedicated investment specialists, and a network of other advisors with thousands of years of combined experience. Whether you are concerned for your own financial needs or those of your loved one, Ray can help you identify your needs, and provide comprehensive solutions for achieving a financially secure future. Contact us today!

Ray Henderson on Accumulating for Retirement: For Current Workers and Pre-Retirees

Financial security is the confidence that comes from taking action today to provide for tomorrow. It includes setting goals, accumulating resources, addressing risks, implementing lifetime income strategies and revisiting your plan as needed.  It’s a process that should be disciplined but personalized and flexible to adapt to changes over time.  While there is no cookie-cutter strategy that works for everyone, consider the necessary steps at each stage of your life. 

Ray Henderson recommends the following articles:

Steps to Make Your Retirement a Reality

Retirement Blueprint 1: Think Ahead

Retirement Blueprint 2: Creating an Income Stream

Expert Guidance and Innovative Solutions

As a member of the Northwestern Mutual, Ray Henderson has access to some of the most specialized financial expertise in the country. Ray is also able to provide you with high quality financial planning, risk management and investment solutions from a wide variety of sources.

Helping clients achieve financial security with an appropriate mix of expert guidance and innovative product solutions is a very personal matter. Ray's commitment to you is to call on the full capabilities of the network, drawing upon his own skills and the expertise of qualified specialists to help you meet your personal financial and business goals.

"Along the way, my hope is that we establish a trusting relationship, one that will endure and grow as your life changes and your financial needs evolve. Contact me and we can begin  securing your financial future."

-Ray Henderson