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Ray Lynch is Founder and President of LifeChange Concepts, Inc., a non-profit ministry dedicated to teaching biblical stewardship through one-on-one counseling, seminars, and workshops. Ray has also authored the Budgeting for the Non-Accountant workbook. Since 1989, Ray has taught families God's Word on money and a simple money management system which has enabled many to live a more God-glorifying and debt-free life. In addition to financial counseling, his experience includes twelve years in corporate America with Exxon Corporation and twelve years managing his own business. Ray has a B.S. degree from the University of Delaware and a M.A. degree from Johns Hopkins University. Ray and his wife, Judy, have experienced numerous financial and personal trials during their marriage, yet by following the truths found in the word of God they have grown to have a deep love for each other and for God. Ray's passion to help couples have great marriages is born out of his personal experience with divorce before placing his trust in the redeeming blood of Jesus Christ.

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