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Rayhons Financial Solutions

Intelligent, insightful, researched advice

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You have significant goals you want to achieve.  We exist to help make them happen.  Rayhons Financial Solutions is a disciplined, strengths-based financial planning and investment management services firm that provides intelligent, insightful, researched advice.  The relationship with our clients are long term and confidential. Driven by a greater purpose, we embrace the community with integrity.

Our staff consists of experienced professionals with a "hands on" approach to financial guidance. Not only do clients find our team members knowledgeable, but they also discover that our staff truly cares about making their dreams a reality. 

We do everything in our power to keep our clients focused on where they want to go, advise them on how to get there, and continually remind them of the importance of maintaining a disciplined approach to realizing their dreams.

Our company is based on the principle that education and understanding of one’s current financial situation is vital to successfully make prudent decisions concerning one’s future financial condition. If you have any questions about your current financial situation or wish to schedule an appointment, send us an email or give us a call at 480.507.2425.

"Whatever affects one directly, affects all indirectly."
- Martin Luther King Jr.

About Us

Welcome to Rayhons Financial Solutions!

At Rayhons Financial, we believe there is more to life than money. Our professionals focus on the financial details so you can enjoy Life.

At Rayhons Financial, 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.

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.

The lines begin before the diamond (as a 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.

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.

"What we do in life echoes in eternity."
- Maximus

JW Rayhons CRPC® Photo

JW Rayhons CRPC®

President of Rayhons Financial Solutions and Investment Advisor Representative of Voya Financial Advisors, Inc.
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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 Voya Financial Advisors, 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

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Robert Ghim

Vice President of Operations
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Professional career of Robert Ghim started over three decades ago as a newly commissioned Ensign on board the USS Camden. Since then, Mr. Ghim have served as a top executive of many distinguished organizations in the United States and Asia-Pacific.

His professional experience consists of a broad spectrum of executive management in multiple industries. Mr. Ghim tributes his success to the formula of teamwork, integrity, tenacity, and professionalism. His leadership philosophy is deeply influenced by his military training as a United States naval officer.

Mr. Ghim was recruited in 1992 by late United States Senator Alan Cranston as the Executive Director of KPAC Chamber of Commerce. Mr. Ghim was guest speaker at numerous conferences and seminars on topics including current and future financial/business issues involving United States and Asia Pacific. Promoting his ideas and business concepts that led to recruitment by Chairman of Dong-wha Group.

Initially Mr. Ghim served as Chief Operating Officer of Dong-wha Duty Free. Soon after, he was promoted to President of International Division in 1997. As a major financial crisis besieged the Asia-Pacific, Mr. Ghim designed/executed strategic action plans that successfully positioned Dong-Wha Group to weather market fluctuations and remain viable.

In 2002, six months after Dong-wha Chairman retired, Mr. Ghim was recruited by the Lennox private equity group to serve as Managing Director/CEO of Genesis Advisors and charged with implementing ideas and transforming concepts into reality.

Genesis launched innovative business model and provided full life-cycle financial/business project management leadership to Top 1000 Asian conglomerates and successfully accomplishing numerous near-impossible projects.

Following Genesis, Mr. ghim was recruited by the CEO and Chairman of iCommunication Dynamics to lead a high-tech R&D organization. Mr. Ghim led the successful initial development of IMRS technology.

Learner | Analytical | Individualization | Achiever | Context

*Robert is a registered representative of Voya Financial Advisors.

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Les Stephen

Investment Advisor Representative of Voya Financial Advisors, Inc.
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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 licenses including a Series 7,63, 65 a Life & Health and a Property & Causality licenses.

Includer | Communication | Belief | Positivity | Woo

Andrea Bereznak CRPC® Photo

Andrea Bereznak CRPC®

Investment Advisor Representative of Voya Financial Advisors, Inc.
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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 Chartered Retirement Planning Counselor (CRPC®) designee, 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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Tammy Washburn

Office Coordinator
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Tammy, a native Texan with a distinctive southern drawl, raised her family in Alabama and has been an Office Coordinator in the financial field for over 10 years. Tammy joined Rayhons Financial Solutions after relocating to the Chandler/Gilbert area with her husband of over 30 years. Tammy and Michael enjoy spending their Saturdays exploring beautiful Arizona. Tammy is a licensed female minister who has traveled to Peru and Israel, and is actively involved in children's ministries, Sunday school and missions. Her primary goal at Rayhons Financial Solutions is to provide a warm welcome and to keep things organized and running smoothly so that our clients will feel perfectly at home.


Responsibility | Belief | Learner | Maximizer | Relator

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Kelly Schager

Relationship Specialist
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Kelly, was born in Ohio (Go Buckeyes) and grew up in the Phoenix area. Kelly’s husband Jered is a Sales Manager at Autonation Nissan and has a passion for coaching others. Kelly volunteers her time at Dignity Health’s Mercy Gilbert Medical Center and very much enjoys spending time with patients. Kelly has made a career building meaningful and lasting Client Relationships and enjoys her time helping people find their strengths and celebrate their “moments”.

As a life-long learner, Kelly completed the training and certification program through the Gallup organization and proudly holds the title of Gallup-Certified Strengths Coach. This enables her to bring StrengthsFinder 2.0 to life through individual, family, and corporate coaching sessions. Coaching intensifies the benefits of knowing one’s Strengths and it is a distinctive benefit she can proudly deliver to clients of Rayhons Financial Solutions and beyond.

When not at work Kelly can be found spending time with family, friends, traveling, gardening, and cheering loudly from the bleachers at her son Jordan’s Campo Verde High School Basketball games!

Favorite quote… “If you can Imagine it…you can Achieve it….If you can Dream it….You CAN become it”! ~ William Arthur Ward

Strategic | Belief | Positivity | Connectedness | Restorative

*Kelly is not affiliated with Voya Financial Advisors.

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Mikayla Orser

Productivity Specialist
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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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Alexis Buckland

Project Specialist
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Alexis is taking a year off of college to work and save money so she can go back to college. Currently deciding between studying anthropology, medical imaging and zoology. When not at work Alexis loves reading and photography, as well as making all kinds of art. Here at Rayhons Financial, Alexis works on important projects that keep the team moving in the right direction.

Individualization | Input | Learner | Developer | Relator

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Troy Dolphus Gilchrist

Administrative Assistant
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Troy Dolphus Gilchrist is a Flinn Scholar currently studying Economics at ASU. He enjoys helping individuals pursue their passions and reach new levels of success. In his free time, he has volunteered as a teacher in the Florence Correctional facilities, a running coach for Arizona Disabled Sports, and as a guitar player for a mariachi band with Desert Sounds. 

Client Experience

The Rayhons Way is an experience uniquely delivered through three journeys:

Client Journey

Our Client Journey begins before becoming a client. Every introduction is a potential opportunity to help someone in the future. When the timing or circumstances is right, some introductions will develop into a conversation to discover what you value in life, what's most important to you, and what you desire to achieve. From here, we will prepare a clear pathway specifically designed to help you achieve your goals and lead towards your dreams becoming reality. With you, we accomplish this through a disciplined approach of sound financial principles, researched investment advisory services, and regular check-ins to measure progress.

Team Journey

Our Team Journey includes our internal family of Rayhons Financial professionals and our extended family of trusted experienced partners. This Journey is paved with the belief that a fulfilling life and peak performance is attained through the motive of serving others. We work diligently to help each other achieve every team member's goals. This is primarily accomplished through a mutual dependence on guiding our clients to their success.

Community Journey

Community Journey is the way we aspire to have an impact much greater than the people we intimately influence and help. Martin Luther King Jr. had said, "What affects one directly, affects all indirectly." We believe 'community' is defined by the relationships we build in addition to the geographic locations we are in. When approached daily with authenticity and integrity, this Journey may create a Rayhons Financial legacy.

"Whatever you can do, or dream you can, begin it. Boldness has genius, power, and magic in it." - Goethe

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