Passionate about being helpful and empathetic; Ray has been serving for over 20 years in Insurance and Financial Services. Graduating from East Bay University in Statistics and Marketing; Ray applies his expertise to all the work he does.

He is a certified Covered California broker. He has an extensive background in: Individual & Family Health Insurance, Medicare, Medicare Advantage Plans, Medicare Supplement, Medicare Prescription Drug Plans, Small Business Health Insurance, Life Insurance, Dental Insurance, Vision Insurance, Critical Illness Insurance, Disability Insurance, Accident Insurance, Long-Term Care Insurance; Medicare; and Annuities.

Ray has extensive knowledge in individual; small businesses; and insurance planning. Ray believes in the power of best practices to help serve clients.

With encouragement from his friends, family, and sunny beaches; Ray Ghamsari started his insurance agency with the goal of serving the consumer. In his free time, Ray enjoys taking long walks on the coast; cooking and trying new recipes; and listening to the violin. Ray makes sure that every client feels cared for and secure.​