Rayhons Story|Client Experience|Meet Our Team|Contact

Rayhons Financial Solutions was founded with the goal of assisting our clients in every aspect of their financial lives. We’ve provided the most personal service available, thus earning a reputation for excellence in our industry. For each of our clients we strive to help create financial stability and security to provide financial independence.

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.


JW Rayhons CRPC®| President of Rayhons Financial Solutions and Investment Advisor Representative of Voya Financial Advisors, Inc.

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


Robert Ghim | Vice President of Operations

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


Les Stephen | Investment Advisor Representative of Voya Financial Advisors, Inc.

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


Alan Sapakie| Financial Professional

Alan graduated with a Master’s degree in Chemical Engineering from Cornell University. A varied career began with research and development in night vision devices during the Vietnam era, thus the analytical part of his personality. His career continued with eleven years as a University Administrator and a Director of Student Unions and student activity programs at Cornell, Rutgers and the Johns Hopkins University. Working to help people grow and develop became a lifelong passion. He moved to Arizona in 1980 where he managed a retail business before becoming a financial professional over 26 years ago.

Accomplishments along the way include:

  • President for the Mill Ave Merchants Association
  • The Vardis Dees award as the Volunteer of the year for Mesa United Way
  • Four years as President of Temple Beth Sholom in Mesa/Chandler
  • Coach of a select team of under 14 Arizona girls soccer players that went to Europe and swept 28 games while winning the Dana Cup, Dalacarlia Cup and Norway Cup, the latter in an 88 team bracket
  • NAIFA – Arizona Martinez Community Service Award - 2016-2017

Alan is currently the Community Outreach coordinator and a director for NAIFA-Phoenix [National Association of Insurance and Financial Advisors] and a past board member of East Valley NAIFA . He is a graduate of LILI [NAIFA’s Leadership in Life Institute] and a member of the Financial Services Institute.

Alan’s life partner is Suzanne Parelman, an Okie with four children and nine grandchildren. He has two sons, Dan and Jesse. Dan lives with his wife in Gilbert, teaches at Chandler High School and has two daughters. His son Jesse lives in San Francisco with his wife and two young daughters.

Sports are a passion (Go Blue!). He is an accomplished amateur photographer, an avid bird watcher and loves to garden. His other passion is people; enjoying them and helping them grow personally and financially.

Strategic | Learner | Input | Responsibility | Individualization


Rebekah Ramirez | Client Insurance Specialist

Rebekah is a Native of Colorado and recently moved here to Gilbert. She has been in the Financial Planning industry for 7 years. Her top strengths are in relationship building and loves to see others succeed. She has a passion for helping families protect their legacy through educating them on what best fits their needs. She is licensed in Arizona, Colorado and Iowa. She has a passion for helping the Hispanic community and has become a member of the East Valley Hispanic Chamber of Commerce and is serving as Ambassador.

Positivity | Woo | Individualization | Developer | Strategic


Jay Johnson | Productivity Specialist

Jay, an Arizona native from Mesa. He comes from a background in education finance. Currently he has his Bachelors degree in Business with a minor in Criminal Behavior and perusing his masters degree in business. He has a tremendous love for education and likes to assist those understand the value in higher education.

Cat lover by nature (not so much dog), but in his free time he loves to stay up to date with technology, cooking, and finding shows and movies that scare. He has a knack for finding hidden gems (stores, parks, hangout spots, beautiful scenery). Jay is excited to be a part of the Rayhons family and is looking forwards to helping our clients achieve their goals.

Individualization | Achiever | Analytical | Restorative | Relator


Tammy Washburn|Office Coordinator

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


Kelly Schager| Relationship Specialist

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


Alexis Buckland | Project Specialist

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

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

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.

3335 East Baseline Road
Gilbert, AZ 85234
Phone: 480.507.2425
Fax: 480.626.0921

© 2019 Rayhons Financial Solutions | 3335 East Baseline Road, Gilbert, AZ 85234 | All rights reserved
P: 480-507-2425 | F: 480-626-0921 Email Us |
Securities and investment advisory services offered through Voya Financial Advisors, Inc., Member SIPC. Rayhons Financial Solutions is not a subsidiary nor controlled by Voya Financial Advisors. Advisory Disclosure: Advisory Services may only be offered by Investment Adviser Representatives in connection with an appropriate Voya Financial Advisors, Inc. advisory services agreement and Disclosure Brochure (Form ADV Part II), as provided.
The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states: We are registered to sell Securities in AZ, AR, CA, CO, FL, HI, IL, IN, IA, KS, LA, MI, MN, MO, MT, NE, NV, NJ, NM, NY, OH, OR, PA, SD, TN, TX, VT, WA, WI. We are licensed to sell insurance in AR, AZ, CO, IA, IN, OH, TN.