Ray Henderson, CLU®, ChFC®, CASL®, RICP®
Wealth Management Advisor

Henderson Financial Group



Ray Henderson, CLU®, ChFC®, CASL®, RICP® has been in the financial services industry for over 18 years, entering the field in banking and property & casualty insurance before moving into this environment of creating and growing personal client relationships.

Ray decided to establish and grow a practice in partnership with Northwestern Mutual for a number of reasons. Ray was greatly impressed by Northwestern Mutual's values, financial ratings, and mutual style of governance (the clients own the company instead of shareholders who may not be clients owning the company).

After being at Northwestern Mutual for several years, and seeing the ins and outs of the financial services industry, Ray is even more convinced that he made the right decision both professionally, and for his clients.

Northwestern Mutual is truly committed to doing what's best for the client, every time.



University of Virginia, Charlottesville, Virginia

  • Bachelors of Arts, Economics, 2001
  • Masters of Education, 2002


Ray Henderson has been a qualifying member of The Million Dollar Round Table (MDRT), in 2012, 2013, 2014, 2015, 2016, 2017 and 2018. The Million Dollar Round Table, The Premier Association of Financial Professionals, is an international, independent association of more than 31,500 members, or less than 1 percent, of the world's life insurance and financial services professionals from more than 450 companies in 79 nations and territories. MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. MDRT membership is recognized internationally as the standard of sales excellence in the life insurance and financial services business.

Licenses and Designations

Life and Health Insurance and Annuity licenses in the Commonwealth of Virginia, as well as other states.

Series 6 - Mutual Funds, Variable Annuity, Variable Life, Unit Investment Trusts license

Series 7 - General Securities license for the sale of the broad range of investment products

Series 63 - Uniform Securities Agent State Law Examination to transact securities in a particular state or commonwealth

Series 65 - Investment Adviser Representative license to provide investment advice on behalf of an SEC Registered Investment Adviser

Chartered Life Underwriter® (CLU®): Sponsored by The American College, designees complete eight college-level courses related to Life Insurance, Insurance and Financial Planning, and Estate and Business Planning; meeting experience and continuing education requirements; and comply with the college's Code of Ethics.

Chartered Financial Consultant® (ChFC®): Sponsored by The American College, designees complete nine college-level self-study courses in financial planning, income taxation, investments, and estate and retirement planning; meet experience and continuing education requirements; and comply with the college's Code of Ethics.

Charted Advisor in Senior Living® (CASL®): Sponsored by The American College, designees complete five college-level courses related to Retirement Planning, Investments, Health Care Decisions, Estate Planning, and Tax Planning; meeting experience and continuing education requirements; and comply with the college's Code of Ethics.

Retirement Income Certified Professional (RICP®): Sponsored by The American College, designees complete three college-level courses and advanced training in the area of retirement income planning, including:

  • Social Security claiming strategies
  • Medicare & Medicare Supplement considerations
  • Retiree Health Care decisions
  • Long-Term Care planning and funding
  • Qualified plan distributions & IRA Rollovers
  • Annuity options, survivor benefits, and longevity planning

To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit: FINRA BrokerCheck