My name is Ernesto Guray and I have been in the financial education realm since 2002. I started my career at a Non – Profit organization teaching Financial Literacy to families. This work really made me feel fulfilled and like I made a difference. In 2005, I transitioned into Banking and worked with some great Financial Institutions. From Personal Banker to Licensed Banker to Private Banker --- the common theme I found was the lack of Financial Education regardless of the income levels of the families and businesses I had as clients. In 2014, I decided that helping families purchase homes was my next calling and opened my own business doing Real Estate and Mortgage Lending. It truly was a blessing to be part of so many families First Home Purchase; however, as the years went by, I found myself limited to how I could help. People would call about other financial questions, but I was limited to what I could do. After taking some time to reflect, I huddled with my wife and two daughters and concluded that I wanted to do more and be that "person" for my clients. A person they could rely on to listen and give the best possible solution when it came to their families and business's future. As of July 2025, I decided to plant my flag at Edward Jones. I intend to continue helping folks starting with Financial Education and tailoring each plan to their family or business needs. Some questions that we would address: • How can I manage my finances today? (Personal or Business) • How can I build my credit so I can make it work for me? (Personal or Business) • How can I plan for my kids future and education? • What happens to me if I get sick or pass away? What can I put in place to help protect my assets in those events? • Okay…so I made it to Retirement. What investments do I have in place to help me enjoy that time? • My parents are older. How can I take care of them? 20+ years in the Financial Industry in multiple roles and mission to help is still ongoing.

It might sound cliche but I didn't choose this line of work, it chose me. I moved her from Spain in 1998 and started at a Non Profit doing Financial Literacy. As time went on, I moved into Banking and held many roles -- Licensed Banker, Private Banker, did Business Banking, did Investing, Real Estate, Mortgages and even spent 12 years owning my own business. In 2025, I decided that to best help all my clients Advising was the way to go.