Chris Ray, Financial Advisor

Chris Ray, CRPC®

Financial Advisor, SunTrust Investment Services, Inc.

My story

I have over five years of experience as an advisor, specializing in retirement planning and income generating strategies. After graduating from Valdosta State University in Georgia with a bachelor’s degree, I began my career as a financial advisor with Merrill Lynch. While it was a satisfying career, and provided me with a strong foundation, I really liked SunTrust as a company and decided to join the SunTrust Investment Services team back in 2007. I recently completed the requirements to earn the Chartered Retirement Planning Counselor designation, allowing me to advise my clients on the more intricate details of retirement planning. I currently live in Cumming, GA with my wife, Neel, and two children.

My approach

My approach is to advise clients on the development and implementation of investment strategies that help them meet their immediate and future goals. The steps I take include assessing a client’s financial situation, determining risk tolerance, forming an appropriate plan, and then executing that plan. Of course, we continue to monitor the plan as we move toward the client’s goals. It’s crucial that we regularly update the plan to address changes in the clients’ financial lives and in their future goals. One of my primary goals is to put a long term plan in place so that my clients do not outlive their savings. I want the client to be able to use their plan as a roadmap for the rest of their lives.

Why I love my job

I love my job because every day is different and every client is unique. I enjoy the challenge of helping clients reach their goals and seeing their satisfaction as their goals are realized. I enjoy getting to know my clients personally and being the point person for their financial lives.

My edge

I view my clients as the lifeblood of my business, so I strive to provide a level of service that is second to none. Using my planning approach, I become a partner in my clients’ financial lives and do whatever it takes to help them reach their goals. Fortunately, with SunTrust, I have the resources to provide comprehensive planning and portfolio management in a local setting. Whether the objective is to grow a portfolio or supplement a client’s income in the most tax-efficient manner possible, I have the tools and teammates that enable me to do my job, and help my clients get to where they want to be.

My proudest moment

After years of working together, I had a client that recently asked me if he could retire early. After reviewing his plan and prioritizing his goals, I was able to tell the client that he could move forward with the next stage in life and be confident about the decision based on the plan that we put in place. The client will work part-time in retirement, but will be doing something he loves, which gives me a great deal of satisfaction.

Contact Us

To reach a SunTrust advisor:


Please enter address to search

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

© 2015 SunTrust Banks, Inc.

Equal Housing SunTrust Bank is an Equal Housing Lender. Member FDIC.

Equal Housing Equal Housing Lender. SunTrust Mortgage, Inc.

SunTrust, SunTrust Mortgage, SunTrust Mobile Banking, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Fund Select, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and Sure Pay are federally registered service marks of SunTrust Banks, Inc. SunTrust SummitView are service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products, including investment advisory products and services, are provided by SunTrust Bank, member FDIC; securities, insurance (including annuities), and other investment products and services are provided by SunTrust Investment Services, Inc.; investment advisory products and services are offered by SunTrust Investment Services, Inc.; mortgage products and services are provided by SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free 1-800-634-7928 CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, Illinois 60601, (312) 793-1490, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products, and other investment services.

SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Banks, Inc. and SunTrust Investment Services, Inc.

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.