Dr. Rafeek Mikhail established CaMu Financial and Insurance Services Inc. in Santa Clarita, California, in order to help people navigate sensitive financial issues. He treats his clients with integrity, employing honesty and empathy in all dealings while working in the clients’ best interests. Adding to his high-quality customer service, Dr. Mikhail maintains relationships with the Society of Certified Retirement Financial Advisors, a company that helps advisors stay current in the appropriate use of trusts, long-term care benefits, social security income, and 1035 and 1031 exchanges, among others. Dr. Rafeek Mikhail currently serves on the Board of the organization, a promotion he earned six months after becoming certified. With CaMu, Dr. Rafeek Mikhail and his colleagues focus their efforts on educating clients in order to help them arrive at the best financial conclusions. The company offers complimentary consultations on retirement, consumer debt, insurance, finances, college planning, investing, taxation, estates, and benefits. CaMu also provides assistance with the stock market, providing market watch, market summary, market sector, and market mover services. Dr. Rafeek Mikhail introduces clients to other investment options, estate-gifting strategies, estate-tax minimizing, and generation-skipping taxes. Clients can request quotes for short-term medical insurance, group health, long-term care, life insurance, business insurance, and disability insurance. Because of his expert leadership, Dr. Rafeek Mikhail has been acknowledged by various financial marketing organizations as one of the top agents in his field. As CEO of CaMu, he oversees marketing, training, sales, strategy planning, and performance improvement. Prior to establishing CaMu, Dr. Rafeek Mikhail studied medicine at Alexandria University. He is certified in protecting human subjects in biomedical and genetics research and is a member of the Society of Clinical Research Associates. Dr.Rafeek Mikhail serve as the chairman of the educational department of the society of certified retirement financial advisor. Dr. Rafeek Mikhail & CaMu Financial conducting mentoring classes nationwide for financial advisors & insurance agent on the behalf of some of the biggest financial & insurance marketing organizations as well as insurance company about how manage your business ethically & how you handle your client savings.

Mary Mikhail serves as a Certified Retirement Financial Advisor (CRFA) committed to working personally with clients to create market-safe, tax-free investment packages that meet their unique goals. She aims to provide clients with long-term profitability and consistent growth rather than short-term success, and she seeks to offer stability and constant income no matter the client’s situation. Mary Mikhail focuses on offering individuals the support needed to ensure that their savings and retirement funds are protected from the downside and only have the upside potential.

Mary Mikhail encourages her clients to buy insurance policies to help them pay off their mortgage early, as opposed to buying mortgage insurance designed to do so after death. She also assists in finding alternative accounts for her client’s CDs and for their variable annuities accounts and universal life insurance. As a CRFA at CaMu Financial and Insurance Services, Inc., in Santa Clarita, California, Mary Mikhail is also responsible for hiring new employees and training them in the ethical and professional guidelines necessary for success in her field.

Mary Mikhail recommends that her clients seek second opinions on any type of annuity account, as it may not be serving them optimally. Some common annuity accounts are IRAs, SEP-IRAs, CDs, savings, 401(k)s, TSAs, and TSPs. A truly well-modulated annuity account will boast features such as guaranteed life income as long as the client lives and a lump sum to be delivered to beneficiaries. Other features of a good annuity account include the ability to make tax deferred contributions and receive bonuses for every deposit to the account.

In addition, it may be possible to access funds in a retirement account early, without paying the federal penalty, if the account meets certain qualifying conditions. Mary Mikhail can explore this option with interested clients. She also helps her clients with alternative options for CDs and high-risk variable annuity accounts, and other accounts such as rollover IRAs or Roth IRAs can be discussed as well. Mary Mikhail has a Bachelor of Arts in Sociology from California State University, Los Angeles. In addition to being a CRFA, she is a licensed notary public and a life agent.

Mary Mikhail always educate her client about how save less and accomplish more for your retirement so you can enjoy living your life. Saving & retirement it's not about your contributions but it's about your account payout and how long it will last for you and your family.

Paul Stawinski, CLU

Founding Partner

Paul is a graduate of Duquesne University and the University of Pittsburgh and earned his B.A with honors in Psychology in 1974.  He earned his Chartered Life Underwriter designation from The American College in 1988.  He has also studied Advanced Financial Planning at Harvard University.

 Paul has over 40 years of financial services industry experience.  Before founding The CLU Wealth Advisors, he began his financial services career at The Equitable in 1978 and has held executive positions at AIG, The MONY Group and Ameritas. Today he rins a valued based financial planning practice that focuses on the objectives, need and individual goals of clients. Each dialogue begins with a thourough inderstanding of the client's specific situation, commitment to bringing creative solutions to clients for their financial issues. The end result is a plan designed to provide a sense of security and confidence in the client's financial well-being, today and in the future.  

 Paul is an avid and passionate Sailor and is affiliated with the Sea Cliff Yacht Club & the Masonic Yatch Club.  His affinity for music has been life long, particularly playing his Fender Stratocaster guitar.  Paul is a member of “Growing up Africa Foundation” as well as the organization “World Animal Protection”.  He lives in Manhattan with his wife and daughter, along with their three dogs.

Enyi Kanu is a speaker, thought leader, best-selling author and entrepreneur with over 30 years of experience in the financial services industry. He helps people preserve and transfer wealth, build wealth, manage taxes and receive lifetime income using traditional and Alternative Strategies. He has been featured by numerous professional organizations and the media, including Fortune, Forbes, Bloomberg Businessweek and Money magazines. As an author and speaker, he has delivered numerous presentations on sound income, investment, tax planning and risk management strategies. He received an Oppenheimer award for “Achieving the highest level of professional excellence in an ever-changing economic environment.” He is the Founder and Chief Investment Officer of kANU Asset Management, LLC., a Cincinnati-based Registered Investment Advisory (RIA) firm. He was Senior Vice President and Certified Portfolio Manager at Wachovia Securities. Before Wachovia, he was Vice President, Investments at Dean Witter Reynolds (now Morgan Stanley), which he joined in 1988. Enyi has extensive work experience in business, finance, planning, and management. He received an MBA in Finance from Xavier University in Cincinnati, Ohio and a Bachelor of Science degree in Business Administration from the University of Benin, Nigeria. He has FINRA Series 3, 7, 9, 10, 63 and 65 licenses, Amex Put and Call Securities Professional and licenses. Enyi is an investment professional with certifications in “Investment Policy & Asset Allocation,” “Manager Search & Selection” and “Performance Measurement & Evaluation.” He was also a member of Wachovia Securities “Chairman's Circle of Excellence.” Enyi's investment consulting discipline derives from Modern Portfolio Theory that he has developed into “The kANU Modern Portfolio Theory Plus”, which incorporates traditional and non-traditional asset classes, proper diversification, asset allocation, asset location, and risk balancers in the client’s investment policy. Enyi believes this complement is critical to optimal investment portfolio performance, risk management, and the accomplishment of the client’s objectives. He has also worked with various institutions advising on financial matters. He is a member of the Cincinnati USA Regional Chamber CEO Round Table and has served on numerous boards, including The Ohio Parents for Drug Free Youth, the American Red Cross, 4C for Children and the International Association of The Greater Cincinnati Area. Enyi founded kANU Asset Management in 2004 to deliver world-class advice anIn partnership with financial specialists all over the world, Enyi and his team work tirelessly on behalf of their clients. By aligning with like-minded boutique firms worldwide, kANU Asset Management provides their clients with access to a rigorously- assembled multi-disciplinary team of professionals and subject matter experts, with substantial credentials including JD, CPA, FA®, CFP®, ChFC®, LLM, CLU®, CIMA® LUTCF®, MBA and more.

With a myriad of changes occurring in our industry, a core attribute is adaptability. This is one of the key strengths of P.R.A.I.S. and of its' Principle Owner, Dana Gibson.

P.R.A.I.S is one of the premier Independent Retirement Planning Organizations/General Agencies in the nation. Dana has adapted to the changing needs of clients by enhancing services with full-service consulting based on a holistic, all facets approach to retirement planning & income. With his guidance and commitment to the industry, he’s driven innovation and best-in-class service on multiple fronts for nearly 1,000 clients across the United States. Dana's thought leadership is sought by many, and he frequently serves as a keynote speaker for insurance organizations, regulatory bodies and news media.

Dana is also a founding member of The Masters Institute as well as chapter president of the Society For Financial Awareness (SOFA).

With a myriad of changes occurring in our industry, a core attribute is adaptability. This is one of the key strengths of P.R.A.I.S. and of its' Principle Owner, Dana Gibson.

P.R.A.I.S is one of the premier Independent Retirement Planning Organizations/General Agencies in the nation. Dana has adapted to the changing needs of clients by enhancing services with full-service consulting based on a holistic, all facets approach to retirement planning & income. With his guidance and commitment to the industry, he’s driven innovation and best-in-class service on multiple fronts for nearly 1,000 clients across the United States. Dana's thought leadership is sought by many, and he frequently serves as a keynote speaker for insurance organizations, regulatory bodies and news media.

Dana is also a founding member of The Masters Institute as well as chapter president of the Society For Financial Awareness (SOFA).

With a myriad of changes occurring in our industry, a core attribute is adaptability. This is one of the key strengths of P.R.A.I.S. and of its' Principle Owner, Dana Gibson.

P.R.A.I.S is one of the premier Independent Retirement Planning Organizations/General Agencies in the nation. Dana has adapted to the changing needs of clients by enhancing services with full-service consulting based on a holistic, all facets approach to retirement planning & income. With his guidance and commitment to the industry, he’s driven innovation and best-in-class service on multiple fronts for nearly 1,000 clients across the United States. Dana's thought leadership is sought by many, and he frequently serves as a keynote speaker for insurance organizations, regulatory bodies and news media.

Dana is also a founding member of The Masters Institute as well as chapter president of the Society For Financial Awareness (SOFA).

With a myriad of changes occurring in our industry, a core attribute is adaptability. This is one of the key strengths of P.R.A.I.S. and of its' Principle Owner, Dana Gibson.

P.R.A.I.S is one of the premier Independent Retirement Planning Organizations/General Agencies in the nation. Dana has adapted to the changing needs of clients by enhancing services with full-service consulting based on a holistic, all facets approach to retirement planning & income. With his guidance and commitment to the industry, he’s driven innovation and best-in-class service on multiple fronts for nearly 1,000 clients across the United States. Dana's thought leadership is sought by many, and he frequently serves as a keynote speaker for insurance organizations, regulatory bodies and news media.

Dana is also a founding member of The Masters Institute as well as chapter president of the Society For Financial Awareness (SOFA).