Ray Convey (BBA, MBA) - Has an undergraduate degree in Business Administration, a Graduate Degree in Finance and a Certificate in Global Economics from Harvard Graduate School. He served as a Senior Vice President in charge of Consumer Lending for Chemical Bank NJ and as President of Chatham Savings. He holds licenses for Life, Health, Accident, Sickness, Property and Casualty, with Variable line of authority in NJ. He also holds licenses in NY, and CT.   

Beth Butto-Has more than 22 years in the insurance industry. She is certified in Medicare. She maintains Health Accident, & Sickness licenses in NJ, NY, PA, DC, NV, CO & FLA. Beth assists companies in establishing Health Insurance retirement programs at no cost to employer. She can reduce cost of insurance for employers (with less than 20 employees) who have medicare eligible employees. Her objective is to use her knowledge of Medicare & healthcare to reduce the cost of health insurance while providing the best benefit.

Susan M. McGrath (BBA, MS) – Has an undergraduate degree in Accounting and a Masters in Educational Technology from Iona College. Susanworked as a controller before changing to a career in Education. She is nowcombining her expertise from both of those professions to work with owners of small businesses in reducing costs and increasing cash flow.

Kevin P. Murphy-Has more than 25 years as an accomplished media executive and CEO of major divisions at Tribune Broadcasting and Turner Cable. Part of his responsibilities included Profitability & Operating Cash Flow for such companies as WGN, TBS & CNN. He identified cash flow opportunities for these companies through the innovative use of breakthrough technology, new FCC deregulations and IRS regulatory changes. Kevin brings this knowlege to Balance Financial Group, so he can assist companies of all sizes with reducing their costs and improving cash flow by utililizing IRS regulations which lowers taxes & the cost of healthcare.


Our approach to business insurance programs is centered on client involvement.  Building a business relationship is as important as the plans we recommend. We review your current situation, utilizing our network of insurance carriers, education and experience, to help you achieve your personal and business objectives.

Balance Insurance

The most important thing is your personal and business health (physical and fiscal) and our insurance services will provide a specific plan to help protect it. We will work with you to obtain the most cost effective plan, tailored to suit your needs, while working with all major insurance companies.Balance Investments
Our philosophy is to have your money work as hard for you as you did for it. Our investment strategies will be tailored to your specific objectives and will take advantage of all applicable tax laws so we can best help you reach your life goals, from college savings to retirement or, as we like to put it, from rocking horse to rocking chair.