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Rao Garuda, CHFC, CLU

25+ Year MDRT Top of the Table Member

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Rao Garuda offers more than 35 years’ experience in the financial services industry and is distinguished as top in his field, nationally and worldwide. Rao is the President and CEO of Associated Concepts Agency, Inc. He is also a partner of First Financial Resources, a national organization with over 100 partners in the USA. He is a lifetime member of the Million Dollar Round Table and a member of the invitation-only Forum 400 with other leading financial planners in the U.S.

Rao frequently speaks around the country about financial planning techniques, asset protection, significant reduction of taxes, retirement income planning and charitable giving. Throughout his career, Rao has been sincerely devoted to the continued education of himself and those he works with. He is married to a retired physician and has 2 sons, who are highly accomplished in their own fields, and is a proud grandparent of 3.


Rao Garuda featured speaker for Business Expert Forum at Harvard Faculty Club


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