Ray's prior experience includes 33 years with First Union National Bank/Wachovia Bank, retiring as Executive Vice-President and Senior Credit Officer. Ray was involved in working with high net worth individuals and large business entities for most of his career. His career took him to 6 different locations in North Carolina and Virginia. Ray was published in The Risk Management Association Journal. After retiring from banking, Ray earned his Certified Financial Planner designation and then started a second career in personal financial planning that would enable him to help clients achieve success in their financial life.Rays practice was a Fee-Only business. He provided comprehensive personal financial planning advice on an hourly or set fee basis. Ray was a financial planner 2002 through 2008; at which time he sold his business. Ray is a registered member of the National Association of Personal Financial Planners (NAPFA), which is the most selective national association of FEE-ONLY financial planners. He was also a member of the Financial Planning Association, a national association of personal financial advisors. Ray specialized in educating and empowering his clients to define and reach their financial goals. Ray has been quoted in Kiplingers Personal Finance, Worth, Financial Advisor, The Christian Science Monitor, and Financial Planning magazines. . Ray is a graduate of Wake Forest University with a BA in Economics. He has graduated from several banking schools. He earned the Financial Planning Certificate from Virginia Commonwealth University. He received his Certified Financial Planner designation in 2002. He currently is Chairman of the Finance Committee for the Tarrington Homeowners Association. He is a member of the Finance Committee at Salisbury Pres. Church. Ray also volunteers at The First Tee of Richmond and Chesterfield.  Ray is past Chairman of the Board and Treasurer and Director of the Boys and Girls Clubs of Metro Richmond, Inc.

Developed large-scale systems, both commercial and in aerospace, for over 40 years. Started my career with 14 years as an R&D officer in the US Air Force, working with military satellites, as an associate professor teaching graduate Engineering courses, and as a project manager at DARPA. Then was the Director of Systems Engineering and was Program Director for one of the Tomahawk cruise missile developments at General Dynamics Convair as well as VP, Engineering for the Advanced Systems Division of UTC. In the commercial world, as their VP Systems Engineering, my team at Sony developed the automated control system for DirecTV's broadcast facilities. We developed advanced medical imaging equipment at Philips Medical and at Lunar Corp as their VP of Operations, responsible for R&D, Manufacturing, and Customer Service of this worldwide bone densitometry leader. Ended my employed career as Senior VP, Engineering and Program Management at Cubic Transportation Systems, the dominant supplier of automated fare collection equipment for transit agencies worldwide.

President and General Manager of Divisions of Coachmen Industries, Inc. with 30+ years in the ever changing manufacturing environment. Started plants in Indiana, Georgia, California and Tennessee. Managed successful turnarounds of troubled Companies and Divisions in California, Indiana and Michigan. Extensive Marketing and Sales experience to Dealer Networks.  A proven leader that has demonstrated a background in managing multi-million dollar companies and divisions. He is highly proficient in recognizing areas of need, dissecting the essentials and determining a short and long term direction. He works well under pressure and responds to change by finding innovative ways to perform tasks and achieve objectives. His areas of expertise are: Profit and Loss, Sales-t-Dealer based networks,sales and marketing management, budgeting/cost control, start ups and turnarounds, strategic planning,administrative/operational management.

Mr Bose has over 30 years of manufacturing and operations experience with GE and Stryker Medical, as well as with his own consulting firm.  As a consultant and project leader, he successfully work on various strategy or implementation projects for such organizations as GE, Ford, Bristol Myers Squibb, Johnson & Johnson, US Steel and Mattel/Fisher-Price, to name a few.

He is the principal of his own consulting firm, which delivers policy and systems solutions in the areas of Lean Six Sigma, Supply Chain Management, Quality, Team Building and Management Systems to small and mid-sized companies.