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Work experience

Mar 2008Present


Helping corporations and individuals with the difficult decisions associated with retirement planning is what I do.  I will work with your employer sponsored plan and help you manage your individual retirement account.  In doing so, I will offer suggestions for the different types of opportunities available; but, what it comes down to is that it's your money, you worked hard for it.  While I cannot guarantee any performance results, I will treat your money as if it was my own and construct a plan based upon your needs, risk tolerance and timeframe.

May 1993Present


US Air Force Reserves


Currently the Great Lakes Region Reserve Forces Director, CAP-USAF, Wright Patterson Air Force Base, Ohio. I support the six-state Great Lakes Liaison Region and oversees a cadre of 38 United States Air Force Reserve officers and enlisted personnel.

Born in Indianapolis, Indiana in 1961. I started my military career via Air Force ROTC Scholarship at BGSU and was commissioned in 1984. I served 7 years on active duty as a KC-135 navigator/evaluator and separated in 1992. Next, I split time between the Pennsylvania Air National Guard and the USAFR. Since 1998 I have been on reserve duty with the United States Air Force. In 2005 I was deployed in support of Hurricane's Katrina and Rita. In 2008, I oversaw AF/AUX operations during NLE02-08, Ardent Sentry, Hurricane’s Gustuv and Ike at the 601st CAOC Tyndall Air Force Base.


1984 Baccalaureate, BA Bowling Green State University, OH.

1990 Squadron Officer School, Maxwell AFB, AL

1998 Certified Financial Planner, correspondence, The American College

2001 Chartered Financial Consultant, correspondence, The American College

2003 Air Command and Staff College, correspondence.

2007 SDE-Air War College, correspondence

2010 MBA Western Governors University


1.March 1985 – May 1986, undergraduate navigator training, Mather AFB, CA

2.May 1986-August 1989 navigator, Wurtsmith AFB

3.August 1989-June 1992, evaluator navigator KC-135, Barksdale AFB, LA

4.November 1993 – 1996, Ohio CAP Reserve Assistance Officer, Hanscom AFB, MA

5.March 1996 – October 1998, KC-135 Navigator, Pittsburgh ANG, PA

6.December 1998 – June 2004 CAP Liaison Rickenbacker AFB, OH

7.June 2004 – Present, Region Reserve Force Director, Wright Patterson AFB, OH

8.  Mar 2009 - Present detailed to Defense Finance and Accounting Service DFAS 


Rating: Senior Navigator

Flight Hours: 2,000

Aircraft Flown: KC-135E, KC-135Q, KC-135A, KC-010A, B052G, T043A


Meritorious Service Medal with two oak leaf clusters

Air Force Commendation Medal

Air Force Achievement Medal

Combat Readiness Medal with oak leaf cluster

National Defense Service Medal with bronze star

Armed Forces Expeditionary Medal

Southwest Asia Service Medal with bronze star

Global War on Terrorism Service Medal

Humanitarian Service Medal with bronze star

Small Arms Expert Marksman Ribbon (Pistol)

Kuwait Liberation Medal Government of Kuwait


Second Lieutenant: December 13, 1984

First Lieutenant: December 13, 1986

Captain: December 13, 1988

Major: September 2, 1997

Lieutenant Colonel: September 2, 2004


Jul 2009Sep 2010

MBA- Pending

Western Govenors University

The Master of Business Administration—Strategic Leadership Emphasis

is specifically designed for only those who complete the United States Air

Force (USAF) Air War College non-resident studies (AWC-NRS)

program. The program is designed to build on the knowledge gained in

the AWC by adding graduate-level business core knowledge, thereby

assisting with the transition of retiring officers to a career in the private

sector. The program prepares you for a mid-level to upper-level

management position in business, industry, and non-profit organizations.


Registered Securities Princip
General Securities Principal - (Series 24) - 150 multiple choice questions; 3 hours and 30 minutes testing time. This examination qualifies individuals required to register as general securities principals in order to manage or supervise the member's investment banking or securities business for corporate securities, direct participation programs, and investment company products/variable contracts.  
Mr. Mr. Lunt is the creator and specialist commentator for the Pentagon channel's "Military Money Matters" program as well as the "Ralph Lunt on Money" radio show.  He has contributed to articles in the Akron Beacon Journal, Cleveland Plain Dealer, Air Force Times,, and CNN Money. Ralph was the featured "Pro" in the 2007 PD vs. The Pro hypothetical stock picking contest and significantly outperformed his competition. He has conducted financial planning seminars throughout the United States and has lectured on such topics as Thrift Savings Plan Transfers, 401(k) asset allocation and rollover, Benefits of 403(b) plans, long-term care, tax efficient investing, and Retirement Income Strategies.


Chartered Financial Consultant

The American College

Certified Financial Planner

CFP Board of Standards, Inc.

Top Secret

Department of the Air Force