Ray 


Ray Johnson, CFP
Ray is a popular public speaker on retirement planning. He has over 25 years experience in the financial services industry and is a fee-only financial planner with his independent investment adviser firm of Adviser Financial Group, Inc.

"Someday the quality of your life will depend on your financial decisions now. Most families I work with understand the importance of a second opinion on matters of personal importance, yet few take the time when it comes to making financial decisions." His MISSION is to help families make informed financial decisions and invites residents of Southeastern Minnesota to attend an upcoming event or contact him for a second opinion on their own personal situation.





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