Meet Our Team

Raymond Kinjo, MBA, CFP®

Financial Adviser

Raymond has been in the financial services space since graduating from the University of Southern California. Along with Ray’s knowledge and experience, he has a passion for retirement planning and wealth accumulation. He is also a New York Life 2015 Chairman's Council agent and 2016, 2017, & 2018 President's Council Agent.

Prior to New York Life, Raymond worked for top tier investment companies and lived abroad in Japan and Vietnam.

Raymond received a BS from USC and an MBA from Thunderbird School of Global Management. He holds a Series 7, Series 66 licenses, he is a Charterholder and member of Chartered Alternative Investment Analysts (CAIA), and is a CERTIFIED FINANCIAL PLANNERTM professional.

In his free time Ray enjoys golfing, exercise, and spending time with his wife, Megumi.

Yoshio Kinjo, MBA

Financial Services Professional

Mr. Kinjo has been with New York Life for 42 years. Born and raised in Okinawa, Japan, Mr. Kinjo spends most of his time working with Japanese business owners and families by helping them find the best possible financial solutions.

Mr. Kinjo's experience is in the area of business insurance and estate planning. He is a distinguished Chairman's Council agent from 1977 to 2008. He is also a Life Member of the Million Dollar Round Table*.

His hobbies include spending time with his family, traveling and golfing. Mr. Kinjo is married to Toshie, and has 3 children, Christine, Janice and Raymond.

Mr. Kinjo received his B.S and MBA from Cal State Long Beach.

Loren Okuda-Ballard

Office Manager

Loren has been with New York Life for 21 years. Loren's specialities include operations management and client service.

Prior to her career in financial services, Loren ran a successful travel agency in Southern California. She has received a Bachelors degree from UC Riverside.

Loren's hobbies include cooking, spending time with family and volunteering with seniors.

Jan Doyle

Manager, Special Projects

Jan has been an Office Manager at New York Life for the past 16 years and brings this knowledge and experience to our team as our Manager of Special Projects. Jan will be working diligently behind the scenes, managing our social media, client communications and education, and other projects that support our goal of client satisfaction and success.

In her spare time, Jan enjoys doing home improvement projects, hanging out with friends, and loves Audible books and pod casts.

Yui Okamoto

Japanese Client Specialist

Born in Japan and proficient in Japanese, Yui is committed to client services for our Japanese-speaking clients. Yui also assists Loren in the day-to-day tasks associated with providing great customer service to all of our clients.

Our Consultants

Michael Zunino**


Tom Schur**

Life insurance

Steven Buell**

Long Term Care Insurance

**Our consultants are employees of New York Life Insurance Company and are not directly employed by Raymond & Yoshio Kinjo.

*The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

Our Planning Resource