About the Book & the Author

About The Book


Everyone Ends Up Poor! Curtis Ray discovered, after years of research on the subject, that the traditional retirement systems of the 401(k) and IRA are not only broken and will never produce the retirement lifestyle people hope for, but they were never designed for retirement income in the first place. Read this book to follow his journey and see how the numbers and facts led him to this discovery. Learn what he learned about the 7 Rules of Money, how paying yourself first is the first critical step toward financial freedom, and how he brought all of this learning together to create the ultimate financial system, Maximum Premium Indexing (MPI™).


After reading this book, you will see why MPI™ is like no other plan available. Some things you will learn are:

  • Why the current financial system is broken
  • The power of compound interest and how to be an earner, not a payer
  • How to securely earn up to 4x the results of the traditional retirement system
  • How to have tax-free income for life
  • How to leave an incredible legacy for your heirs
  • And much, much more!


starting a retirement account for your children
About The Author
Curtis Ray is the President and CEO of SunCor Financial, LLC, which he founded in 2014. He is also the designer and developer of the patent-pending Maximum Premium Indexing (MPI™) financial strategy. In 2014, Curtis was introduced to the world of financial planning and insurance and found his passion there, through teaching people about the Rules of Money and how to maximize retirement income through secure leverage and discipline. Through years of research, Curtis concluded the traditional system of 401(k), IRA, and Roth IRA are not only broken and will never produce the retirement people have come to believe in, but they were never designed for retirement income in the first place.

Before SunCor, Curtis attended Arizona State University where he was on the ASU wrestling team. After leaving college, he started his first business in the granite countertop industry. Growing the business to over 30 kitchens a week, in 2008, he started his 2nd business through which he designed and developed the patented revolutionary natural stone system called ForzaStone.

Curtis currently lives in Gilbert, Arizona and is married to Erin Ray and they have five beautiful children (Cayden, Caliann, Brody, Lexi, and Kenzie). He enjoys spending time with his family, playing sports, especially football, basketball, and wrestling. He is also an avid world traveler who enjoys experiencing other cultures, learning their history and seeing all that the world has to offer.