We take it as our priority to keep families well-supported with both service and instruction.
Ray C. Encomienda

Ray C. Encomienda

BSEE University of Maryland
Former Mortgage Broker
Associate Real-estate Broker
Insurance Agency owner-manager

Licensed in the Tri-state area of MD, DC, VA, and holding additional licenses in DE, CA, AZ, FL, NJ, GA, SC, NY, TX our expertise spans a wide geographical reach.

Our journey began after college, with experience as a plant engineer at Bethlehem Steel and later as a patent examiner at the patent and trademark office. Driven by a desire for personal and familial success, our founder ventured into insurance and financial services as a sideline. By the age of 26, they obtained licenses in Series 6, 63, 26, as well as Life and Health. Over the past 26 years, we have assisted numerous families, serving as a realtor for home buying and selling, a loan officer for financing, and an insurance agent for family protection. Our comprehensive knowledge in these areas has greatly enriched our ability to provide exceptional service to our clients, tailoring plans that address all their needs.

Presently, our focus lies primarily in the insurance sector, as we recognize a pressing demand for services coupled with a shortage of qualified agents. We prioritize the concerns of the rapidly growing senior population, positioning ourselves at the forefront of the market. Our diverse team of agents is dedicated to serving you and your family. From final expense and mortgage protection to safe money management and estate planning, we offer a range of solutions. Should we encounter a query beyond our expertise, we have an extensive network to connect you with the right professionals who can assist.


Guiding families from birth to legacy, providing exceptional service and innovative solutions to meet their unique financial needs, ensuring lasting success.


Empowering financial success, one family at a time, with exceptional service, innovative solutions, and unwavering commitment.

Give us a call today and we’ll help you create a solid foundation.