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.

Recognized by the Principal Financial Group® for his excellence, he was inducted into The Principal® Producer Hall of Fame in 2008, 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. He has attained his FINRA Series 7 and 63 securities registrations, and is an Investment Adviser Representative.

His extensive industry involvement includes memberships in: Association for 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).

Active in the community, Ray’s current and prior leadership roles with the following organizations include: Repertory Theater of Iowa, River Front YMCA Advisory Board, Roosevelt High School Foundation, Public Library of Des Moines Foundation Board, Prevent Blindness of Iowa, and the Wakonda Club.

Ray lives in Des Moines with his wife Carrie and their three children: Katherine, Edward and Charlotte. He enjoys golf, handball, swimming, and bicycling as well as spending time with family, friends, and clients.