Ray Kotwal, MBA
Kotwal Insurance & Financial Services
Life Insurance & Planning Specialist

E-Mail: RayKotwal@hotmail.com
License #OH12645

Ray Kotwal
(916) 752-5539


Ray Kotwal, principal of KIFS is a seasoned corporate executive with an MBA degree
in Finance from Northwestern University's Kellog Business School, Ch
  • Generate Tax Free Income From Retirement Till Age 100!

  • Plan For Your Children's College Education!

  • Re-Evaluate Your Existing Insurance Policy Free Of Cost And If Necessary Suggest A Better Policy That Will Give You Life Coverage And Completely Tax Free Retirement Income!

  • Roll over your orphan IRA's & 401K's into meaningful, secure investment for guraanteed retirement income.


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