Ray Gault Jr.
Director of Private Wealth, CFP®, CLU®
- Executive Compensation Planning
- Business Continuation Planning
- Supplemental Retirement Planning
- Advanced Estate Planning
- Financial Product Analysis & Design
- LTC/Chronic Illness Planning
Capitas Financial
Capitas Financial, Inc. is a national organization made up of 16 regional processing centers, 130 point-of-sale professionals and 250-plus back office support specialists who offer a multi-carrier insurance product portfolio, along with unbiased consultative assistance to financial professionals and their clients. Capitas Financial is a national firm, based in Minneapolis, MN with a footprint that includes all 50 states and Puerto Rico. Capitas delivers the strength of a national organization coupled with unrivaled local customer service.
Ray Gault Jr.
Director of Private Wealth, CFP®, CLU®
Biography
Ray Gault, Jr. joined Smith Companies, Ltd. as a Sales Vice President in January 2015. Ray provides comprehensive and customized insurance solutions to financial advisors and their clients. Prior to joining Capitas, Ray held positions with Lincoln Financial Distributors and Prudential Financial. He is well-versed in the areas of high-end estate, business and retirement planning and is committed to helping financial advisors achieve greater success by partnering with them to help their clients build, preserve and distribute their wealth.
A former collegiate athlete and graduate of Jacksonville University in Florida, Ray received his B.B.A. in Finance and Marketing. As a member of the JU Dolphins football team Ray won two Pioneer Football League conference championships. He currently holds a Chartered Life Underwriter® (CLU®) designation from the American College and is a CERTIFIED FINANCIAL PLANNER® professional. Ray is a member of the Southwest Florida Estate Planning Council and is also a member of the Financial Planning Association.
Ray resides in Lakewood Ranch, Florida with his wife, Shelly and sons Caleb and Cooper. In his free time he enjoys fishing, golfing, working out and college football.
The Smith Companies
At Smith Companies, Ltd., we specialize in empowering financial advisors, attorneys, accountants, and trust officers with comprehensive insurance solutions that enhance their clients’ financial and estate plans. As a premier General Agency, we provide seamless access to a wide range of life, long-term care, and disability insurance products from the industry’s top carriers — all in one place.
What sets us apart? Beyond product access, we deliver unmatched value through expert support and strategic guidance. Our team works alongside you to ensure insurance solutions are thoughtfully integrated into your clients’ broader financial goals — helping you deepen relationships and deliver exceptional outcomes.
Discover the Smith Companies advantage — where expertise meets efficiency, and your success is our priority.
