Ray is an author, speaker, and Founder and President of LifeChange Concepts, Inc., a ministry dedicated to teaching biblical stewardship through individual counseling and group teaching. Since 1989, Ray has taught families God’s word on money and practical budgeting skills which have enabled many to live a more God-glorifying and debt-free life.

In addition, Ray has a weekly 3 minute message on finances on Spirit FM 90.5 radio station in Tampa Florida, a column in the monthly Christian Voice, and a recently published book on money and marriage entitled Love, Honor, and Finances.

Ray has a B.S.C.E. degree from the University of Delaware and a Masters of Administrative Science degree from Johns Hopkins University. He has worked in the corporate world with Exxon Corporation, as well as managing his own business.

Ray and his wife Judy have been married over 23 years, and he is the father of two adult children. Since his acceptance of Jesus Christ as his Lord and Savior in 1986, they have lived according to God’s principles on money, which has resulted in them experiencing first-hand God’s faithfulness to His promises. They are currently living debt-free in Tampa, FL.


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