The Secrets of the Wealthy vs. The Secrets of the Broke offers a foundational look at correcting the basic mistakes people make around money and helping them understand the urgency of corrective measures. Change is the only constant in life. Anticipate it where you can, adapt to it when you must, and be prepared, no matter what happens.

This book is more groundwork than an advanced methodology on financial success. Already financially independent and business-savvy people will not find much use, as most successful people already understand these principles. Admittedly, this is a small segment of the population. Most, therefore, will find this information extremely beneficial.


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About the Author:

Ray began his business career at the age of 22 and has been continuously self employed his entire life. A serial entrepreneur, Ray has tenure in many different industries including Real Estate as a former Franchisee and Broker, as well as lending where he owned a HUD approved correspondent mortgage company. One of Ray’s strengths is understanding and implementing systems that work inside of any business to create maximum thrust in achieving stated goals.

For the last 33 years, Ray has turned his attention to financial planning and the needs of the vast majority of individuals, couples and businesses who are in need of substantial planning in all areas of their economic lives. He is the owner of Virtuoso Capital Management, a Registered Investment Advisory firm in Las Vegas, NV.

Ray has trained well over 3,000 representatives for a career in financial services, not just on the technical side of the business, but also in personal leadership, public speaking, motivation, and in leading others as they ventured off into their own agencies.

In his recently published book, “The Secrets of the Wealthy vs. The Secrets of the Broke”, Ray puts forth simple, yet compelling ideas on how people can change their financial lives for the better by having the right mindset and by correcting simple, yet profound mistakes they may be making in the handling of their own personal economy. One of his favorite mantra’s is, “If we don’t have time to do it right the first time, when will we have time to do it again.”

This could not be a truer statement, as we all have but a finite time to figure out life! We may not get another chance to do it again.