Brandt Advisory Group
Over 45 years of expertise in retirement, income, and estate planning — helping you build a tax-efficient future with clarity and confidence.
With over 45 years of experience as a CPA and financial planner, Ray brings a rare combination of accounting precision and personal care to every client relationship. Every strategy is built around your specific goals — not a generic template.
Ray helps you build a clear, confident path to retirement — mapping out when you can retire, what your income will look like, and how to make your savings last for the long haul.
Drawing on his CPA background, Ray structures your retirement income to minimize what you pay in taxes — so more of your hard-earned savings stays in your hands, not the government's.
Ray works with you to ensure your wealth is protected and transferred according to your wishes — preserving your legacy for the people and causes that matter most to you.
Whether you're still accumulating or already drawing down, Ray designs income strategies that balance growth, stability, and security — giving you predictable cash flow throughout retirement.
Protecting what you've built is just as important as growing it. Ray focuses on safeguarding both your principal and your income-earning ability against market volatility and unexpected events.
Ray helps business owners and professionals think beyond retirement — structuring plans that protect your family's financial future and ensure your life's work creates a lasting impact.
About Ray
Ray Brandt, CPA (Retired), founded Brandt Advisory Group with the purpose of bringing practical and effective retirement and income planning to business owners and professionals. The mission of the firm is to assist clients in achieving the goals and objectives most important to them, consistent with maintaining the safety of both the principal and income earning ability of their wealth.
With over 40 years of experience, he has helped his clients navigate through all phases of financial planning — from the early accumulation years through the critical transition into retirement.
Ray lives in Roebuck, SC with his wife Dorisann and is an active member of his church and community.
"I have yet to meet a person that enjoys paying taxes, but I've met plenty of people taking retirement income in non-tax efficient ways. That is why I started Brandt Advisory Group; to help maximize their savings into sustainable and secure income, tax efficiently."
— Ray Brandt, Founder
Ray believes that a great retirement plan starts with a great conversation. His process is straightforward, transparent, and always centered on your goals — not a product pitch.
We start with a no-obligation conversation to understand where you are, where you want to go, and what concerns you most about retirement. No forms, no pressure — just a real talk.
Ray reviews your full financial picture — savings, Social Security, pensions, and expenses — to identify gaps and opportunities, especially around tax efficiency.
You receive a personalized retirement income plan built around your specific goals — designed to maximize income, minimize taxes, and protect your principal.
Ray stays in your corner as life changes. Periodic reviews keep your plan current so you stay on track through every phase of retirement.
Use this free calculator to estimate how much monthly income your current savings can generate in retirement — and see exactly where the gap is. It takes less than two minutes.
Get in touch
Schedule a no-obligation consultation with Ray. He'll take the time to understand your goals and show you what a tax-efficient retirement plan can look like for you.