Keith Raymond is a Vice President of Research and Consulting at Novarica. Raymond previously served as CIO/COO of Futurity First Insurance Group, a distributor of annuity, life, LTC, and other products. His previous roles include AVP of Distribution Systems and Field Technology for MassMutual and CIO of Trumbull Services, an application service provider and business process outsourcer owned by The Hartford Insurance Group. Raymond also served as a Principal Consultant at HCL Technologies. Raymond holds an BS in Technology from Central Connecticut State University. He can be reached directly at kraymond@novarica.com.