About Ray

Ray Croff, ChFC, CLU, CAP®, RFC

Managing Partner, Turtle Creek Financial- Denton Office


Ray Croff is an Independent Financial Advisor. Through his firm, Turtle Creek Financial, Ray works with small business owners and professionals specializing in Succession Planning, Estate Planning, Planned Giving and Retirement Planning.

Ray Croff is also a Chartered Advisor in Philanthropy. He is involved with numerous nonprofits as a board member and volunteer, making him a great choice for nonprofits and donors looking to design Planned Giving Programs.

Before starting with Turtle Creek Financial in 2005, Ray worked with a large, nationwide firm serving his clients with his expertise and care. Ray has an entrepreneurial background, having owned his own business for 15 years. Combining this invaluable experience with his financial knowledge, makes him well-suited to work with small business owners and their families.

Ray’s areas of expertise include Planning for Small Businesses, Business Succession Planning for Business Owners, Estate Planning, Retirement Planning, and Planned Giving. His credentials include:

  • B.B.A. Financial Services, University of North Texas
  • B.B.A. Insurance, University of North Texas
  • Chartered Life Underwriter (CLU)
  • Chartered Financial Consultant (ChFC)
  • Chartered Advisor in Philanthropy (CAP®)
  • Registered Financial Consultant ( RFC®)
  • National Association of Insurance and Financial Advisors
  • Society of Financial Service Professionals
  • Adjunct Professor at University of North Texas

Current and Past Community Activities include:

  • Denton Kiwanis
  • Leadership Denton
  • Church Finance Committee
  • CASA Board of Directors
  • United Way of Denton County Board of Directors
  • United Way Project Blueprint
  • Chair, Kiwanis Fair Booth
  • Chair, UNT Toulouse Graduate School Advisory Board
  • UNT Finance Department Advisory Board
  • Denton County Friends of the Family Board Member

Ray is married to Susan and they have two children, Mark and Dakota. Family time, including vacationing with his family, is a high priority for Ray. In addition, hobbies and activities he enjoys include Suba diving, skiing, and golf. Ray and his family make their home in the Denton area.

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor.  BCM and Turtle Creek Financial are independent of each other.   Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.  Any comments regarding protection, safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone Capital Management.