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Welcome                                            Ray Duenas has been named as a SmartVestor Pro because we’re committed to helping you achieve your long-term investing goals.

                                        Be confident that we have your best interest at heart.                                                                                  We are looking forward to having the opportunity to work with you . 

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Stewardship America Financial / Raymond Duenas

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YOU HAVE BUILT YOUR LIFE. LET US HELP BUILD YOUR
LEGACY

What Makes Us Different

When it comes to financial service providers, you have plenty of choices. While others see money as a goal, we see it as a tool - for serving God, your family and your community.

 

About Us

We are a Christian-based financial services company that provides client a financial services that we would want for ourselves, our families and friends.  We believe in honesty, integrity and respect. You will experience this qualities through our customer service and recommendations

 

Our Philosophy

As a firm, our focus is to understand your goals and develop a plan to reach them. We will meet with you to present an analysis and discuss our recommendations. Together, we implement the recommendations and monitor your progress.

 

Our Process

We believe a strong planning process is the best way to create a more financially secure plan. It is crucial to create a financial plan that seeks to protect your needs now, and for the future, in a tax efficient manner.

This is what we do.
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Our Services

There are many financial products in the market, and so choosing the ones that best meet an individual client’s needs can be complicated.

 

Retirement Planning

From wise investment* selection within your 401k and pension plans, to tax and change-of-lifestyle issues, we can help you enter your golden years with greater clarity.

 

Comprehensive Financial Planning

We provide a comprehensive approach to handling the financial blessings and challenges of life, including education, inheritances, retirement, and leaving a legacy.

 

Investment Planning & Asset Allocation

Are your investments performing the way you want them to? Do you have proper asset allocation and good diversification? As Registered Representatives with United Planners our investment process will help make sure your investments are well positioned to meet your needs for growth and provide income to meet your objectives.

 

Risk Management (Life, Disability & Long Term Care Insurance Evaluation)

Insurance is the all-too-often missing piece of the financial plan, and one that can lead to a quick financial ruin. We will help you determine the right amount and best type of coverage, properly preparing you for life’s unfortunate events. Additionally, we can help you get the best value as you manage these risks.

 

College Education Planning

Your children or grandchildren may still be in diapers, but it is never too soon to begin planning for their education. How much do we need to invest? What type of investments should we use to fund education?

 

Advanced Estate Planning

For people with large estates, the IRS can take as much as 40% in Federal Estate Taxes. The good news is estate taxes can be reduced or even eliminated through proper planning! But ONLY if you properly plan to avoid them!

Contact us today to find out how we can help with your financial need

* Securities offered through United Planners

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Get To Know Your Team

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Raymond Duenas

CEO/Founder

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Raymond Duenas

Phone: 407-780-8826

Fax: 407.270.1978

Email: ray@stewardshipamericafinancial.com

My Story

   I spent the first few years of  my career working at Charles Schwab and Co. assisting the affluent clientele, before transitioning into the personal investments field by teaming up with Stewardship Advisory Group in 2009.  I'm currently an Estate Planner serving the Orlando Area with over 24 years of experience.  My motto is: "People Matter, Excellence First, and Integrity Always", and I like to approach everything I do with the heart of a teacher!  I hold a Series 7, 8, 63 and 65 securities registration along with Florida Life Insurance and Health Insurance.

   I strongly believe that providing quality advice about a client's finances calls for a comprehensive approach.  Managing investments must include considering one's tax strategy, risk tolerances or time horizons.  Once I have a client-focused, comprehensive plan in place and reviewed regularly, I then work one-on-one with my clients endeavoring each day to help them pursue and achieve their goals.  I am deeply grateful to all those who entrust me with the personal details of their finances and allow me to make  career of being their trusted advisor.  I also enjoy doing Estate Planning Seminars at local churches.

   One of my passions is helping empower people to become better Stewards by providing them with all the tools they need to be better managers of what God has entrusted them with.  In this capacity, my goal is to help them become successful at growing their own investments to the point where they themselves can eventually be generous givers.

Education

   I obtained my  B.A. in Business Management at Embry-Riddle College in Daytona Beach,  Florida.

As a SmartVestor

   "I started in 2011 as a Dave Ramsey-Endorsed Local Provider, until the transition to the SmartVestor program in 2016.  I have thoroughly enjoyed this relationship and opportunity to serve like-minded clients. I get the opportunity to meet with Dave Ramsey fans of all ages, both men and women alike, from students to retirees, from people in the Orlando area to people overseas serving as missioners. For some people, I am the first financial advisor that they have ever spoken with, which I see as a tremendous honor.  Everyone seems to have their own, unique story they are willing to share with me, and I do my very best to put myself in their shoes, applying Dave's principles and using words and ideas which will best address their particular situation."

Let me know how I can Help You!

   I am here to help you!  If you have questions on budgeting,  or are looking for guidance in understanding Dave Ramsey's baby steps. I'd love to help! If you need encouragement as you pay off debt, I'd love to cheer you on! Or, if you're ready to take the next step into investing, I am very happy to give you guidance and help you get started.  Let me know how I can assist you in your journey.

   Setting up a free consultation with me is the best way to connect.  During this session, I will guide you through foundational financial principles, and can be your coach as you walk through each step of your financial journey. You will find that having someone to walk you through a plan that works for you can be a tremendous source of inspiration for completing your financial goals!

 

Dave Ramsey Endorsed Local Provider, SMARTVESTOR® and its affiliates are not affiliated with United Planners. This should not be construed as an endorsement or recommendation by any individual or entity.  

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Rose Cruz

Administrative Director

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Rose Cruz

Phone: 407.780.8826 Ext. 1001

Fax: 407.379.1696

Email: rose@stewardshipamericafinancial.com

Rose joined Stewardship America Financial in September 2021, as an Administrative Director for the administration team.   She began her administrative career in 2006 providing over 16 years of experience to clients.   She graduated from the University of Central Florida with Bachelor degrees in H.S. Administration and has utilized her experience to better serve our clients.  In her current role, Rose handles the on-boarding process for new clients and manages all paperwork to open and maintain accounts, so they are in good standing.  She also coordinates client contributions, distributions, RMD, and paperwork requests ensuring that the client's communication is transparent with the financial advisor.  Her excellent communication skills ensure that all our clients are coordinated for their scheduling needs.  Her mission to maintain integrity has made her a valuable team member that she continues to demonstrate each day.

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Rosa Duenas

Executive Assistant

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Rosa Duenas

Phone: 407.780.8826 and or 407.780.8827

Fax: 407.216.8753

Email: rosa@stewardshipamericafinancial.com

Rosa has been an integral part of Stewardship America Financial since its inception.  With

over 20 years of experience in Business Administration and Marketing.

She oversees the ongoing operational and administrative functions, working closely with the 

rest of the team to positively impact the client's experience.

One of her ways to build a relationship with our clients is creating every month an informative

and educational newsletter email.

She also holds her Notary Public License for the State of Florida.

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Gregory Palie

Client Services Representative

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Gregory Palie

Phone: 407.780.8826 Ext. 1004

Fax: 407.379.1696

Email: clientservices@stewardshipamericafinancial.com

Greg joined our administration team at Stewardship America Financial in December 2020 as Client Services Representative.  He oversees the smooth flow of day-to-day operations. 

Often the first person our clients speak to when they call the office.  

His administrative role is to support, manage, and organize our administrative operations while providing

excellent customer service and communication to our clients.  His patience, kindness, and proactive thinking has added value to our team,

and his professionalism to our clients.

Prior to joining Stewardship America Financial, Greg worked for Disney and GNS Group providing customer and administrative

services. With experience helping maintain organizational, technological, and operational functions in business environment. 

His goal at Stewardship America Financial is to go above and beyond to service our new and current clients.  He enjoys simplifying complicated concepts, 

providing our client with sense of clarity and communication throughout the administrative process when onboarding or maintaining their current accounts.

Bio

Anelisa Bustamante

Client Services Representative Assistant

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Anelisa Bustamante

Phone: 407.780.8826

Fax: 407.270.1978

Email: anelisa@stewardshipamericafinancial.com

Our Client Services Representative Assistant, Anelisa Bustamante, joined our team early January 2024, with extensive experience with operational support, equipping her to deliver top-tier service and diligently cater to client needs.  Making her an indispensable asset to our team.

She has previously worked as a Directors Assistant and is excited to join the team at Stewardship America Financial. 

Anelisa, excels in tailoring communication methods, whether phone, email, or in-person, bolstering her commitment to client satisfaction.   She will be graduating with her B.A. Degree in Psychology late 2024.  

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Get to know us

Stewardship America Financial / Raymond Duenas

Phone: 407.780.8826
Fax: 407.379.1696 and or 407.270.1978

Email: ray@stewardshipamericafinancial.com

213 South Dillard St. Suite 120, Winter Garden , Florida 34787

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Ray Duenas is an Investment Advisor Representative Offering Securities and Advisory Services through United Planners Financial Services, Member: FINRA/SIPC. Stewardship America Financial and United Planners are independent companies and not affiliated.

Ray Duenas is registered to conduct securities business in AZ, CA, CO, FL, GA, KY, MD, ME, MI, MN, NC, NM, NJ, NY, PA, SC, TN, TX, VA, WA and WI. This communication is strictly intended for individuals residing in the states listed. No offers may be made or accepted from outside the specific states referenced.

Insurance-related services may not be provided to individuals residing in any states other than AZ, CA, CO, FL, GA, KY, MD, ME, MI, MN, NC, NM, NJ, NY, PA, SC, TN, TX, VA, WA and WI.

A broker-dealer, investment advisor, BD agent, or IA representative may only transact business in a state if first registered appropriately. Follow-up or individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements.

Links are provided for informational purposes only and should not be viewed as an endorsement, sponsorship, solicitation or other affiliation with respect to any third parties or their content. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to, or your use of third-party technologies, websites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.

The content herein is developed from sources believed to provide accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Advisor Websites to provide information on a topic that may be of interest. Advisor Websites is not affiliated with the named representative, broker-dealer, state-or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.

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