Raymond B. Ryan, co-founder, directs Tax, Finance and Accounting, and Financial Content at Real Time Capital and QLACguru.com.  Mr. Ryan has a long career of providing innovative funding solutions to clients. Mr. Ryan is a founding principal in RingsEnd Partners, LLC. He is also the founding partner of EBIC, LLC, a company which offers equity-based incentive compensation structures to public companies.

Mr. Ryan was one of the original partners and of The Evergreen Group Incorporated, a corporate owned life insurance brokerage acquired by The Hartford Insurance Group in 1996. Mr. Ryan was employed as President of The Harford subsidiary until 2002.

Mr. Ryan began his career as an accountant and tax specialist at Price Waterhouse. He rose to the position of partner at Price Waterhouse in nine years; his partner assignments included the Director of the International Assignment Tax Services in Europe and in New York.

Mr. Ryan also served as Chief Financial Officer of Crow Development Company (an affiliate of Trammell Crow Company) in Dallas, Texas. He received his BA and MBA from Stanford University in Palo Alto, California. Mr. Ryan is a licensed insurance producer in the State of Connecticut and holds a Series 6 FINRA Registration. Also, Mr. Ryan is the named inventor on three financial patents and has other pending patent applications

Ronald D. Ryan is a co-founder and directs Marketing and Operations for Real Time Capital, Inc. and QLACguru.com.

In 2009, Mr. Ryan founded Ron Ryan and Associates, a management consulting firm based in Knoxville, TN. Mr. Ryan’s practice has specialized in operations and profitability improvement. His consulting work has included strategy, process improvement, and marketing segmentation work for companies like insurance.com.

Prior to founding his consulting business, Mr. Ryan held VP of Operations and SVP Product Management roles at Answer Financial, Inc. Recently acquired by Allstate, Answer Financial is one of the largest independent auto insurance agencies in the US, a comparison shopping web site and sister company to online auto insurer, Esurance. 

Mr. Ryan has co-founded several entrepreneurial organizations during his career, in addition to QLACguru.com.  He co-founded the MoneySuite Company, a product and technology innovator in the financial services industry, and Evergreen Benefits Incorporated, a company focused on the distribution of voluntary insurance benefits products to affinity groups. Mr. Ryan was also part of the management team which sold Corporate Owned Life Insurance and Deferred Compensation innovator, The Evergreen Group Incorporated, to the Hartford Insurance Group in 1996.

Mr. Ryan began his career as a management consultant for The MAC Group. Based first in Cambridge, Massachusetts, and later in Rome, Italy, and London, England, Mr. Ryan consulted to government entities, technology companies, major clearing banks, insurance companies, and international brokerage firms throughout the United States, Latin America and Europe. Client engagements included strategic planning, strategic market entry, acquisition, divestiture, head count reduction, and new product development work primarily for financial services and technology companies. 

Mr. Ryan received a Bachelor’s degree in History and Literature cum laude from Harvard College with an honors (magna cum laude) thesis in History and Literature. Mr. Ryan holds an MBA in Finance from the Wharton School of the University of Pennsylvania. Mr. Ryan is also named inventor for several issued US patents relating to financial services systems. Mr. Ryan is a licensed insurance producer in the State of Tennessee.