Raymond L. Bening


Bening Financial Organization

As a financial services representative and life insurance professional with more than 30 years of experience, Ray Bening works with businesses and individuals helping them set and achieve their financial and retirement goals. His specialties include: executive nonqualified deferred compensation plan design, administration and funding; corporate, personal and family life insurance review and placement; financial advisory services and retirement income planning.

After earning his bachelor’s degree from the University of Iowa, Ray started his career in 1983 in San Francisco. He joined Bening Financial Organization, Inc. in 1990, a firm founded by his father Clark in 1974.  In 2004, he assumed the role of president.

Ray has been recognized by the Principal Financial Group® for his excellence. In 2008, he was inducted into The Principal® Producer Hall of Fame, an honor reflecting 20 years of production leadership with the company. He also is a qualifying and life member of the Million Dollar Round Table, considered a premier industry association for financial services professionals worldwide.

His extensive industry involvement includes memberships in: Association of Advanced Life Underwriting (dedicated to advanced planning and legislative advocacy); the Society of Financial Services Professionals (Society of FSP); and the National Association of Insurance and Financial Advisors (NAIFA).  He has attained his FINRA Series 7 and 63 securities registrations, and is an Investment Adviser Representative.