Ray Kibet

Employer firm

Merrill Lynch, Pierce, Fenner & Smith Incorporated CRD 7691

$1.78T regulatory AUM 16,844 advisory clients

Reported services (Item 5G)

• Portfolio management (individuals)
• Portfolio management (institutions)
• Pension consulting
• Selection of other advisers
• Educational seminars
• PERFORMANCE MEASUREMENT REPORTS, ALLOCATION MODELING, IPS, RESEARCH REPORTS AND SERVICES, SEE SCHEDULE D

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 09/2025 → 09/2025
  Trinity Wealth Securities, Llc
  Houston, TX
• 08/2025 → 10/2025
  Prime Inc.
  Springfield, MO
• 08/2025 → 10/2025
  Morty Inc.
  New York, NY
• 02/2025 → Present
  Delta Creative Solutions
  Houston, TX
• 01/2024 → 08/2024
  Upper Iowa University
  Fayette, IA
• 09/2023 → 02/2024
  Yes Prep Gulfton
  Houston, TX
• 09/2021 → 05/2023
  New York University
  New York, NY
• 04/2018 → 10/2025
  Emerald Wealth Management Group
  Nairobi
• 01/2018 → 05/2024
  Globalnet Ltd (Later Financial Services Network)
  Limassol
• 06/2012 → 10/2018
  Ray's Golden Treats
  Nairobi
• 06/2012 → 06/2016
  Strathmore University
  Nairobi
• 10/2025 → Present
  Merrill Lynch, Pierce, Fenner & Smith Incorporated
  Houston, TX
• 10/2025 → Present
  Handshake Ai Solutions, Llc
  San Francisco, CA
• 12/2025 → Present
  Bank Of America, N.A.
  Houston, TX

Other Businesses

I*3119267, Entity Type: Entity For Profit, Name of OBA: Delta Creative Solutions LLC (DBA as Raaay!), Address: Houston, Texas, 77098, Investment Related: N, Position, Title, Association: General Partner/Managing Member, Owner, Employee State Date: 02/04/2025, No Hours: 15 Weekly, No Hours during Trading: 0 Weekly, Duties: Mostly high level management of the processes involved in the performance of: 1. Writing as a Service- In this process, I typically will subcontract the technical writing work to professionals and mostly play a Quality Control role ensuring deliverables are met. 2. Commercialization of the Performing Arts- As a Creative writer and performer, I will often participate in the creation and performance of the works, as one of my primary hobbies. Creative work is rarely ever urgent. 3. Airbnb property management- Mostly the provision of the capital necessary to run the Airbnb, and high level management. Intention is to be a passive income stream and therefore investment in automation of the business process is highly prioritized. 4. Cargo transportation- Provision of the Vehicular Asset, and the funds necessary to maintain the vehicles. Occasionally, I may drive the cargo van, though most typically, my role is to subcontract the cargo transportation contracts to local drivers for execution of deliveries, This is a General LLC wherein I created for the following Commercial Activities: 1. Writing as a Service- both Creative and Technical Writing work performed on a Contractual or Equity basis. 2. Commercialization of the Performing Arts- where I get paid a fee for the creation, production and performance of artistic exploits such as music, musical theater and stand up comedy. 3. Airbnb property management- Where I lease properties and sublet them to travelers looking for short term stay rentals 4. Cargo transportation- Where I manage the utilization of my vehicles to transport cargo on a Contractual basis both intrastate and interstate I*3120265, Entity Type: Entity For Profit, Name of OBA: Handshake AI Solutions, LLC, Address: San Francisco, California, 94104, Investment Related: N, Position, Title, Association: Consultant/Independent Contractor, Employee State Date: 10/22/2025, No Hours: 20 Weekly, No Hours during Trading: 0 Weekly, Duties: As a Fellow in the project, which is the term for persons with Advanced degrees across various fields, I train Artificial Intelligence models on how to solve financial problems more efficiently and effectively. My role is to design prompts that are challenging enough to create inaccurate responses from the AI model, and then teach it how to correctly solve the problem using scholarly research sources. To Advance Artificial Intelligence through Research Contributions across various areas of expertise

Exams

• S66 Uniform Combined State Law Examination
  2024-05-11

Other Names

• Ray Reuben Kibet