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About Rayhons Financial

More To Life Than Money

We believe there is more to life than money. Our professionals focus on the financial details so you can enjoy Life.

Our logo represents our values and beliefs when it comes to our clients and our company. The diamond represents a commitment to long-term relationships with our clients, our people, and our community. A diamond is commonly a gift; contributing something of value to someone else, or to serve. The lines begin before the diamond (as respect for history) and continue beyond the diamond (recognizing legacy). There is a history and a future that exists outside of their relationship with us. They symbolize movement, progress, and constant improvement.

Our name shows our commitment to integrity and our willingness to be transparent. Our name is bold and clear to symbolize strength, confidence, and clarity. All of these characteristics are benefits we provide to our clients and strive to possess as a company.

Lastly, we state what we offer - financial solutions. This is the smallest piece of the logo because what we do is not as important as why we do it.

Meet Your Advisors

JW Rayhons CRPC®

President of Rayhons Financial Solutions and Investment Advisor Representative of Cetera Advisor Networks LLC

Andrea Bereznak, CRPC®, CFP®

Investment Advisor Representative of Cetera Advisor Networks LLC

Josh Zanh

Investment Advisor Representative of Cetera Advisor Networks LLC

Les Stephen

Investment Advisor Representative of Cetera Advisor Networks LLC

Meet Your Team

Our Core Values

People First, Always

More to Life than Money

Craft with Character

Power in Planning

We realize financial planning can make people feel vulnerable and uncertain. Clients expect us to speak the truth in love and to continue the fulfilling work of earning their trust daily. We treat all clients with dignity and respect. We’re committed to answering all calls and delivering attentive, top-shelf service to every client. We believe we’re called to live simply, work diligently, and give generously. This is a unique message in this industry, and we’re proud of that. We simplify the complex world of finance for clients who would rather spend time and energy engaging with family, friends, and charitable pursuits. 

Our Strategic Partners

Parent Company: Cetera Financial Group

Cetera Advisor Networks LLC is part of the family of independently managed firms of Cetera Financial Group (Cetera). For the past 30 years, Cetera’s family of companies has grown to manage over $110 billion in client assets, delivering advisory products and solutions and sophisticated trading and technology platforms to us and other advisors across all 50 states. You can be confident that their tools, technology, and support help make us more effective in our relationship with you.

Our Custodian: Pershing

While a broker-dealer helps supervise and facilitate the trading that converts your cash into invested assets, those assets are actually held by a custodian. Cetera Advisors works with two custodians. Cetera Investment Services, LLC custodies individual retirement accounts (IRAs). Pershing LLC custodies brokerage accounts, including the brokerage accounts within IRAs.

Pershing is a subsidiary of the Bank of New York Mellon Corporation, which is the nation’s oldest continuously operating bank and one of the world’s leading providers of securities services. Cetera Investment Services is an affiliate of Cetera Advisors, providing brokerage and other services to its own clients in addition to providing IRA custodial services to Cetera Advisors’ clients. Both Pershing and Cetera Investment Services have to meet certain net capital requirements and are subject to regular audits, both internally and by independent firms, to ensure the appropriate handling, segregation, and protection of investors’ assets.

Our Services

We provide a wide range of services to suit pre-retirement and retirement concerns alike. Our plans are fully personalized for your unique goals and timelines. See what we can do for you.

Explore Services

Client Experience

We place the highest priority on people and relationships. Our clients are more than revenue, our team is made up of more than ‘employees’, and our community is more than geography. 

Our Approach