Certification in Progress

Life & Annuities Agent

(818) 300-4446

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Raymond R. Russo of Virtuoso Capital Management, A Registered Investment Advisory firm, has been a successful wealth strategist for over 30 years. Ray is a licensed agent for life, health, and disability. He is also a licensed Investment Advisor Representative and former Real Estate Broker. In his tenure as an advisor, he was responsible for training and development of over 3,500 agents, preparing them for a career in financial services. First and foremost, Ray feels most at home in his role as a consultant/trainer/teacher.


Ray is a solutions oriented financial planner and Fox Business News contributor who is one of the few in the industry that has not only financial services experience, but business and real estate experience as well. Ray has been an entrepreneur since he was 22 which give him a unique perspective when dealing with clients, especially those that are self-employed. His primary purpose when working with individuals, couples or businesses, is to be certain they understand all that is involved in the planning process, and how to use their assets (both tangible and non-tangible) to support their ultimate goals.  


At the end of the day, that results in plans that are more thoughtful, comprehensive and in true alignment with carefully thought out objectives. Generally, Ray is always attempting to look for efficiencies in each unique situation, be they tax, expense, income, investment or insurance efficiencies, always with an eye toward protecting assets from an increasingly intrusive government and litigious society.


Call Virtuoso Capital Management at 760-933-8767 or email Ray at RRusso.MoneyMaestro@VirtuosoCM.com to find out more information about how he can help you plan for your financial future.


Don’t wait to start orchestrating your finances today!





·       Entrepreneur since age 22 (40 years) with vast diversity of experience in many different industries. Most tenure and emphasis has been on real estate, finance, financial planning and marketing.    

·       Solutions oriented with strong interpersonal, leadership, public speaking, problem solving, and team building skills, having owned and operated several Franchises in Real Estate, Financial Services, and Lending, providing an in depth knowledge of formatted business solutions that work. 

·       Understanding of business structures and their tax implications. 

·       A licensed California Real Estate Broker since 2003, a licensed agent since 1987. Brokers license is currently inactive as of April, 2013

·       Life, Health and Disability licensed since 1985 

·       An Investment Advisor Representative / Financial Planner (S-65) since January 2006 

·       My firm, Virtuoso Capital Management is a state Registered Investment Advisory <RIA> firm. 

·       Public Speaker, motivator and trainer, as well as soon to be author

Professional Experience:    

v Virtuoso Capital Management / Raymond R. Russo, Financial Planner, Investment Advisor & Business Consultant (December 2009 to Present)

I transitioned to personal brand development and money under management through multiple channels, including authoring two books currently in development, and related seminars. 

v World Group Securities, Inc., San Diego, CA / Russo Financial Group, Inc., Branch Manager, Executive Marketing Director (Nov 1992 – December 2009)

Operated & supervised 6 offices in 3 states (California, Arizona and New York). I set up and maintained appropriate compliance and supervisory functions. Hired and trained new and experienced Registered Representatives for the Insurance, Securities & Mortgage industries, including marketing and advertising (i.e. seminars from concept to completion), establishing new offices, process new business as well as all related activities involved in building a successful Financial Services organization. Trained and prepared over 3,500 agents for a career in financial services. 

v Successful Money Management Seminars, Owner/Franchisee (March 1994 - Dec 1996)

Conducted financial education seminars as part of the extension program at the College of the Desert (focused on personal investing and finance as well as Equity management & financing). 

v   Help-U-Sell Real Estate, Cathedral City, CA  92234, Owner/Franchisee (Dec 1989 – Dec 1991)         

Listing and sales of residential and commercial Real Estate, as well as all related activities (i.e. market, advertise, hire and train).   

Owned and operated this National Real Estate Franchise with partners.  I sold the business in 1992. 

v   Mark 1 Mortgage, Cathedral city, CA 92234, Owner/Franchisee (Dec 1989 - Oct 1992)

Solicited and originated Real Estate loan business from Real Estate Agents and consumers. Hired and trained all sales and support staff on the loan processing and sales side of the business. Submitted all paperwork necessary to obtain funding sources from major National Lenders. Owned and operated this California Mortgage Brokerage Franchise. I sold the business in 1992. 

v   Loan Express, Palm  Springs, CA  92262, Owner (Jun 1987 – Nov 1989)    

Solicited and originated Real Estate loan business from Real Estate Agents and consumers. Hired and trained all sales and support staff on the loan processing and sales side of the business. Submitted all paperwork necessary to obtain funding sources from major National Lenders.



  • New York City Community College, New York, NY, Liberal Arts (1977-1978)           
  • Iona College, New Rochelle NY, Liberal Arts (1976-1977)                                                 
  • All Hallows High School, Bronx, NY, Academics (Diploma 1975)



§   English 

§   Intermediate Spanish

Licensed - Yes

License No - 3393178

License Type - Insurance

Virtuoso Capital Management

7853 Southern Roundup Court
Las Vegas, NV 89113
P: (818) 300-4446
F:  (888) 908-8093

Services Offered

College Financial Planning
Financial Planning
Retirement Planning
Investment Management
Estate Planning
Cashflow Management
Business Consulting
Financial Aid
FAFSA Review
Scholarship Search

Meetings Offered

My Office
Home Visits
Over Phone