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

Henderson Financial Group

Your Planning Team


We are always striving to meet and exceed the expectations of our clients. I hope you will feel confident contacting any member of my team with your questions, concerns or requests. They are dedicated to providing exceptional client service and will respond to your inquiry promptly.


My Colleague

LaMont Henry, CFP®, CLU®, RICP®, CASL®

Financial Advisor
(757) 216-5317 | lamont.henry@nm.com

As a CERTIFIED FINANCIAL PLANNER® professional, LaMont Henry works closely with Ray to design your holistic financial planning strategies. LaMont is Financial Advisor on our team, and with Northwestern Mutual, holding his Series 7 and 66 investment licenses, the Life, Health and Annuities Insurance licenses, as well as the CFP®, CLU®, ChFC®, and RICP® professional designations. LaMont is a native of Virginia Beach, and attended Colby College, an Ivy League school in Maine. He has a strong presence in the Hampton Roads community, and enjoys volunteering his time to impact the lives of others in a positive way. We are very fortunate to have LaMont’s unique talents and abilities working on behalf of our clients. 


My Team

Sandra L Terronez

Sandra L Terronez

Sandra L. Terronez, MBA, CFP® | Director of Financial Planning | (757) 314-4638 | sandra.terronez@nm.com

Sandra Terronez is our Director of Financial Planning, and has over 10 years of experience in the investment and financial planning industry. Sandra graduated with an M.B.A. from the University of the Incarnate Word in San Antonio, TX, and earned her Certificate of Financial Planning from Georgetown University School of Continuing Studies in Washington D.C. In 2015, Sandra was awarded the CFP® certification by the Certified Financial Planner Board of Standards, Inc.

Sandra is married to a Navy Pilot and has one son. As a result of her husband's deployment schedule, she chose to take some time off and raise their son. Now on his final tour of duty, she is able to pursue her long-term career goals in financial planning.

How can Sandra help you?

  • Answering questions about your investment accounts
  • Discussing our financial planning process
  • Helping you organize and gather the documentation needed to prepare your financial plan
  • Assisting with financial planning meetings
  • Providing assistance with account distributions and account balances
  • Reviewing investment portfolios and financial documentation

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Amberlyn E Ponce

Amberlyn E Ponce

Office 757-314-4638

Amberlyn E. Ponce | Associate Financial Representative | (757) 314-4638 | amberlyn.ponce@nm.com

Amberlyn has been with Northwestern Mutual since 2013. She is fully licensed in Life, Health and Disability Insurance, and Annuities in Virginia. Amberlyn serves as an Associate Financial Representative at Henderson Financial Group, providing administrative support and service for our insurance and investment clients.

Originally from Yuma, AZ, Amberlyn graduated from Virginia Commonwealth University in 2006 with a degree in Spanish, and ran her own dance studio in Charlottesville for five years, while also managing a dance and yoga retail store, teaching piano and voice lessons, and going back to school for accounting.

How can Amberlyn help you?

  • Answering questions about your insurance policies
  • Assisting with the completion of insurance paperwork
  • Facilitating the insurance underwriting process
  • Ordering insurance medical exams
  • Updating beneficiary, change of address or any other insurance service requests

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