Raya Kulkarni, CFP®, CIMA®

Raya serves as a Private Wealth Manager, working directly with his clients to create and maintain a customized financial plan addressing all aspects of a healthy financial life, including investments, tax planning, risk management, retirement, employee benefits and estate planning.

With nearly 25 years of experience in the financial services industry, Raya has developed an in-depth knowledge of providing clients with comprehensive wealth management. Prior to joining Creative Planning, he was a wealth management advisor for a financial services company providing retirement services, investment management and advice to nonprofit institutions. Prior to that, he owned his own financial planning and investment management practice that he sold in 2021.

Raya earned a Bachelor of Business Administration degree in entrepreneurship from the University of Houston. He is also a CERTIFIED FINANCIAL PLANNER® professional, as designated by the Certified Financial Planner Board of Standards, and a Certified Investment Management Analyst® professional, as designated by the Investments & Wealth Institute.

In his spare time, Raya enjoys exercising, reading and occasionally playing video games with his two sons, Ravi and Cristian.