Ray Cabalan

IFW Financial Professional Ray Cabalan IFW Financial Professional Ray Cabalan
  • RAC Financial, LLC
  • New Jersey

Prior to joining the financial industry, Ray Cabalan had 15 years’ experience working in both Healthcare and Pharmaceutical Sales and 11 years working as an Independent Financial Representative. Ray made the decision to start his own financial services company, RAC Financial, in 2021.

Ray Cabalan is an experienced and knowledgeable Financial Service Professional, ready to work with you to ensure you and your family’s financial future is secure. He has earned a Bachelor of Science degree in Business Management and an Associate degree in Nursing. He has also been a certified registered financial consultant and in annuities & life insurance.

Over the past 11 years, Ray has worked with clients to help them choose and manage strategic plans that will offer safe and good returns. As a financial professional, Ray’s main goal is to help you make well-informed decisions on what types of tax-efficient assets and retirement solutions are right for you. He also emphasizes the need to adjust strategic plans as your goals and needs change. Ray will always listen to your concerns and share all information about potential strategic plans including; benefits, risks and tax issues. He will treat your financial goals with the same care and interest that he devotes to his own.

Meanwhile, when not working, Ray plays tennis with friends and family. On weekends and days off, he accompanies his son to play for USTA, UTR and High School Tournaments. Ray looks forward to being your trusted partner and expert financial resource, as you work together to secure your goal for financial independence.


  • Retirement Income Specialist
  • Life, Accident & Health Licensed
  • Annuity & Long Term Care Licensed


  • Retirement Income Planning
  • Asset Maximization
  • Wealth Protection
  • Annuity Specialist

Ray Cabalan

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