Our Associates

Chris Arand

Five Rings Financial

With 30 years of small business experience, Chris and his wife Denise co-founded the top performing West Coast Division of Five Rings Financial, now referred to as the Arand Agency.

It was an easy transition for him to come out of retirement as a golf pro to partner up with his wife Denise. He saw how much fun she was having educating and empowering Middle America on how to build financial security and wealth, so they too could enjoy a happy retirement, put their kids through college, and live a better quality of life. He just couldn’t pass up the opportunity to make a difference too.

After Chris spent time as a professional golfer on the men’s PGA tour, he attended the PGA Business School, and moved into pro golf course management in Colorado and New Mexico. As a PGA Head Golf Professional, he managed a series of private and resort courses, including the world-renowned Country Club at Castle Pines and Pinon Hills Golf Course.

Chris is considered one of the country’s best golf instructors by his peers; which isn’t a surprise to anyone who knows him and his natural passion and gift for teaching people. It’s no surprise he would go from one winning team to another. With high standards for succeeding in anything he does, Chris also brings his love of helping people by educating and empowering them to learn the skills of financial freedom and wealth building.

Chris and his wife Denise are the dynamic duo of Southern California, educating and empowering women and the middle-class of America about money to bring them a financial future filled with hope.

Denise Arand

Five Rings Financial

Denise believes that everyone is entitled to send their kids to college, retire with dignity, and save a pile of money for the future. She is passionate about making proven financial solutions available in an easy to understand way that brings hope to women, the middle-class, and those without nine-figure portfolios. She is leveling the playing field, when it comes to wealth building strategies, by serving the under-served – women and the rapidly shrinking middle-class of America.

With nearly 20 years’ experience in financial services, Denise brings a special blend of experience as a mother, wife and successful financial services professional, that makes her uniquely qualified to lead the charge to empower women and Middle America in their quest for financial freedom.

Denise believes in reducing your risk of losing money and increasing your opportunities to gain wealth. Experience has taught her what works and what doesn’t for people who don’t have the luxury of losing hard-earned chunks of money because of a temperamental market. Denise found a way to make learning about money and building wealth fun and sexy by creating Wine, Women and Wealth – a series of educational and networking events that have grown into a national phenomenon. It’s no surprise why Wine, Women and Wealth has become so popular. Women get together to network with each other over a glass of wine and yummy pairings, while they learn about how to save more, spend wisely, and plan for their future of financial freedom.

Denise and her husband Chris have become an unstoppable team of hope for women and the rapidly shrinking middle-class of America, by showing them what’s possible through educating and empowering them with choices that create futures of freedom and financial security.

Kristin Rayder

Estate Planning Attorney

Kristin Young Rayder, Esq. established Rayder Law in 1992 to help clients specifically with their business law and estate planning needs. The Rayder Law office is located in Scripps Ranch, which allows the legal team to serve a diverse group of clients located primarily along the California Coast. Kristin specializes in helping clients prepare their estate for the future by creating wills, trusts, powers of attorney, family limited partnerships and business-related legal documents that ensure assets are transferred according to her clients’ wishes.

Kristin prides herself on her dedication to maintaining relationships with clients built on mutual respect that will last throughout the lifetime of their corporation or family trust. She received her bachelor’s degree from San Diego State University and her Juris Doctor from the University of San Diego’s School of Law.

Outside of the office, Kristin is married and is the mother of three sons. She is active in the Scripps Ranch community, is involved with her sons through Boy Scouts and enjoys scuba diving.

Bob Vinal

Health Insurance Consultant

Bob Viñal, owner and president of Bay Area Health Insurance Marketing, Inc., has been working in the insurance industry for more than 25 years, handling everything from plan design to claims and rating structures. His firm specializes in providing health, dental and vision plans to assist individuals, families and small businesses throughout California.

Bay Area Health Insurance is A+ rated by the Better Business Bureau and also Diamond Certified for its commitment to unparalleled customer service. The goal at Bay Area Health Insurance is simple: to provide personal service for every client.

Bob is a graduate of San Diego State University. He is married to his lovely wife Trudy of nearly 30 years and has raised three children, Therese, Michelle and Matt. Bob loves to barbeque, enjoys surfing and other physical activities, and gives back to his high school alma mater by coaching football.