Raymond joined Blue Waters Wealth Advisors (previously Pension Builders & Consultants) in December 2014 as the Director of Financial Planning. He has close to 20 year’s experience in the financial industry, initially as the CIO and analyst of a hedge fund based out of St. Croix in the US Virgin Islands followed by over twelve years working with individuals and small business owners as a financial planner and investment specialist. Raymond was drawn to join the firm because of the quality and independence of advice for clients.

He recognizes the importance of helping clients balance risk while limiting the kind of volatility that can sometimes make investing an anxious experience.

Raymond has designed multiple investment solution tools to help clients comprehend their financial future.

Raymond attended the University of Tennessee on a full swimming scholarship while earning an undergraduate and a Masters degree in Accounting. While he was fortunate to travel the world for swimming, his greatest achievement was competing in the Olympic Games in 1992 in Barcelona Spain. Raymond has earned the Certified Financial Planner (CFP®) professional designation from the Certified Financial Planner Board of Standards, Inc. as well as the Chartered Retirement Planning Counselor (CRPC®) and the Accredited Wealth Management Advisor (AWMA®) designation from the College for Financial Planning.

In May 2023, Carter completed his undergraduate studies at Ohio University, specializing in financial planning and entrepreneurship. Throughout his junior year, he secured an internship at a prominent RIA firm in Cleveland, where he gained valuable insights into the intricacies of the financial advising field and absorbed diverse approaches to wealth management.

Driven by a deep-seated commitment to helping others, Carter is actively pursuing his CFP certification, demonstrating his dedication to professional growth. Under the guidance of his mentor, Raymond Brown, Carter benefits from personalized and comprehensive training, shaping his skills and knowledge daily.