Eric Gaddy

Owner & Author

Ray Brandt

Owner & CPA

Eric Gaddy

Owner & Author

Eric GaddyEric Gaddy established a virtual financial practice working with clients all over the country.  He has a widely spanning career in the financial world. He’s the author of the book Retire Early: What are you waiting for? , the creator of the Facebook Group “Retirement Made Simple” and the DIAL into RetirementTM process . He created DIAL into RetirementTM to simplify the answer to the question “When can I retire?”

He enjoys traveling with his longtime life partner Deb and spending time with his children, Kate and Frank. Up until the end of 2020, he spent 25 years in Asheville NC and now resides in Spartanburg SC.

Eric partnered up with Ray Brandt in 2021 and brought Debra Carmody aboard in 2022.

“Nobody cares more about your money than you do. Let me be a close second.” – Eric Gaddy

Ray Brandt

Financial Advisor & CPA

Ray BrandtRay Brandt, CPA, founded Brandt Advisory Group with the purpose of bringing practical and effective retirement and income planning to business owners and professionals. The mission of the firm is to assist clients in achieving the goals and objectives most important them, consistent with maintaining the safety of both the principal and income earning ability of their wealth. With over 40 years of experience, he has helped his clients navigate through all phases of financial planning.

Ray lives in Spartanburg SC with his wife Dorisann and is an active member of his church and community.

Ray teamed up with Eric Gaddy in 2021 bringing together all their experience to offer their clients honest and timely service.

“I have yet to meet a person that enjoys paying taxes, but I’ve met plenty of people taking retirement income in non-tax efficient ways. That is why I started Brandt Advisory Group; to help maximize their savings into sustainable and secure income, tax efficiently.” – Ray Brandt

Debra Carmody

Retirement Planner

Debra Carmody

Retirement Planner

Debra CarmodyDebra Carmody had a career in manufacturing as a Product Development Engineer, Process Engineer and finally as a Quality Engineer. The corporate world changed from when she first started in her career and her passions changed as well. In 2013 she decided to take her love of problem solving to the retirement planning where she can help individuals directly. In 2020 during the peak of the Covid-19 pandemic she answered a call to support the startup of a meltblown line and a N95 respirator production process. She is proud of the project in which she filled an integral role, but it was time for her to return to her passion of helping individuals.
She currently lives in Spartanburg, SC with her life partner Eric and their rescue Rottweiler Sasha.

Debra partnered up with Eric and Ray in 2022.

“I understand firsthand the difficulties of leaving a career that became part of your identity. I seek to help people find their new identity in retirement that is financially secure and more fulfilling.” – Debra Carmody