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Our team brings a variety of experience and knowledge to the table for clients. Your plan benefits from multiple perspectives and talents all united to get you where you're going.

JW Rayhons CRPC® Photo
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JW Rayhons CRPC®

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

JW grew up in Iowa with a Midwest work ethic and hometown values. Arizona has been his home since 1997 and he’s been serving clients since 1999. JW is married with four children. His wife, Tiffany, works with an understanding heart in the health field as a registered nurse. JW volunteers with Junior Achievement and enjoys coaching youth sports through multiple organizations including the YMCA, Boys &Girls Club, and Jr. Suns / Jr. NBA.

As an Investment Advisor Representative with  Cetera Advisor Networks LLC, JW holds security registrations 6,7,24, 63, 66, is a Financial Services Institute Member, and has a designation of Charter Retirement Planning Counselor.

He has also served on several Boards and Commission throughout the years:

  • Chairman of the Board Dignity Health Foundation – East Valley
  • Board Member Mesa Arts Center
  • Board Member ASU PolyTechnic Community Advisory Council
  • Chairman of the Board for Partners In Progress
  • Chairman of the Board Gilbert Chamber of Commerce
  • Chairman of the Board East Valley Chambers of Commerce Alliance

With the strong belief that when you look for the good in people, you’ll find it; JW is a Gallup-Certified Strengths Coach. This certification has been valuable learning and a journey in helping people accomplish significant achievements.

Achiever | Developer | Positivity | Responsibility | Empathy

Andrea Bereznak CRPC®  CFP® Photo
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Andrea Bereznak CRPC® CFP®

Investment Advisor Representative of Cetera Advisor Networks, LLC

Andrea is a Financial Advisor with Rayhons Financial Solutions. Her focus is to empower each individual client, from early in their careers through their final years, to live their best financial life.

Proud of being a small-town girl, Andrea still believes in the importance of personal accountability and friendly service that she learned while growing up in the Colorado Mountains. Andrea is resolute that a client-advisor relationship is based upon trust and open communication. Your core values and priorities drive the design of your financial plan and investment strategy.

Key tenants of Andrea’s approach:

· You deserve to have a financial advisor you trust and who cares about you.

· Strong client-advisor relationships are built through clear communication, timely follow-up, and research-driven strategy selection.

· Clients are best served via a collaborative, holistic approach. This means that in addition to your investment strategy and financial goals, we will also consider your risk management needs, estate planning, and tax situation, collaborating as appropriate with your other financial professionals.

Andrea is a Certified Financial Planner Practitioner (CFP®), a Chartered Retirement Planning Counselor (CRPC®), and proud to put clients’ interests first. She holds a master’s degree in Economics with honors and dual bachelor’s degrees in Economics & International Studies.

Andrea relishes spending time in nature and DIY home projects (especially organizing and “supervising” her much more capable husband). She believes that it’s easy to have fun when you have a library card and strives to grow at least a little each day. Andrea is fluent in Spanish and loves finding any and all excuses to keep her skills sharp! Contact Andrea via phone: (480) 507-2425 or email: andrea@rayhonsfinancial.com

Empathy | Futuristic | Discipline | Focus | Connectedness

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Josh Zahn

Investment Advisor Representative of Cetera Advisor Networks, LLC

Josh has been in the financial services industry since 2014, he holds his Series 7, 66, and life and health certifications. He strives to help clients obtain financial success while educating and empowering them to make good decisions. Everyone knows him as an others-first person, he genuinely cares about helping others succeed. At Rayhons Financial Solutions, Josh works with clients to help them find success in their investing and retirement strategies.

That team-player mentality was formed early in his youngest years. Playing many sports, he worked hard as an individual to improve his skills, but his true motivation was to be good for his team. After being recruited from the soccer team senior year of high school to become the kicker for their football team, he was ranked #16 nationally as a football placekicker and earned a full-ride D1 college athletic scholarship (Go UAB Blazers!). 

Josh is married to his high school sweetheart and best friend, Aly. Together they have three beautiful girls. He loves attending church, Mission Community, and his hobbies include drumming, sports and spending time with family. 

 Positivity | Relator | Harmony | Adaptability | Communication

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Les Stephen

Investment Advisor Representative of Cetera Advisor Networks, LLC

Les was born and raised in Des Moines, Iowa where he attended Drake University. He relocated to Arizona in 1998 because as he says, “you don’t have to shovel sunshine.”

He and his wife Nelly have two adult sons and a granddaughter Rubi who lives with them full time and keeps him on his toes. Les is an experienced advisor and comes to us from MetLife / MassMutual where he obtained extensive experience in many areas of the financial services industry.

He has a passion to help his clients prepare for retirement, develop strategies to allow them to reach their goals and live the lifestyle they desire.

He enjoys sports, outdoor activities, his time on the beach in Mexico and he loves to cook. Les holds several registrations including a Series 7, 63, 65 a Life & Health and a Property & Causality licenses.

Includer | Communication | Belief | Positivity | Woo

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Mikayla Orser

Executive Assistant to JW Rayhons

Mikayla graduated from Grand Canyon University with a Bachelor of Science in Entrepreneurial Studies. At Rayhons, Mikayla started as an intern in June of 2019 and was hired as one of our productivity specialists. She has a passion for interior design and enjoys spending her free time with her family. 

Achiever | Learner | Responsibility | Analytical | Competition

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Victor Giordano

Research Specialist

Victor is a foreign exchange student at Grand Canyon University, currently pursuing a Bachelor of Science in Finance and Economics, and Psychology. Victor joined the Rayhons Financial family as an intern in our summer financial advisor internship program. After he was hired as an associate. Victor is fluent in Portuguese and English with conversational Spanish skills. He is passionate about music, languages, writing, and a fanatic soccer fan, GO Ponte Preta!!

*Non-producing Registered Representative of Cetera. 

Ideation | Leaner | Individualization | Strategic | Input

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Somaria Hoeur

Operations & Administrative Assistant

Somaria Hoeur graduated from Grand Canyon University with a Bachelor’s degree in Finance and Economics and a minor in Communication. Born and raised in Phnom Penh, Cambodia, Somaria is fluent in both Khmer and English. She enjoys playing the piano and guitar, tuning into historical dramas, and continuously seeks opportunities for personal and professional growth.

Relator | Context | Learner | Positivity | Individualization

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Nyah Vaught

Marketing & Administrative Assistant

Nyah is a second year student at Heartland Baptist Bible College. She is studying to guide and counsel in youth ministries. Nyah grew up in Arizona,  and loves to spend time adventuring with her family. She enjoys working with creativity and design. She is passionate about learning from the Rayhons team and assisting in any way that she can. 

Connectedness | Restorative | Responsibility | Belief | Arranger

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Mark Boykin

Assistant to JW Rayhons

      Born in California but raised in Arizona,  Mark enjoys the weather that Arizona has to offer year-round. He enjoys spending his free time with his wife and kids, watching sports, swimming and reading interesting articles. A recent Associate Advisor at Rayhons Financial, Mark graduated from Capella University with a Bachelor of Science in Information Technology and is currently pursuing a Master of Finance from Colorado State University as well as other industry licensure. 

      Mark's passion lies in the finance industry, its stewardship and the continued learning opportunities. He hopes this will allow him to impart knowledge and put the needs of the clients first.  Mark aims to be a reliable, accountable and prepared team member, looking forward to the daily challenges and excitement of work at Rayhons Financial. 

      Significance | Relator | Consistency | Context | Deliberative