SunRay Advisors is an independent, comprehensive financial advisory firm located near Baltimore, Maryland.  It is a Fee-Only practice in that it sells no financial products, and receives no referral fees or other third-party compensation.  The firm is aligned with the non-profit group, The Alliance of Cambridge Advisors (www.acaplanners.org), which is the only community of Fee-Only financial planners focused on holistic planning strategies.  On the investing side, the firm offers its clients exclusive access to the innovative, institutional-class mutual funds of Dimensional Fund Advisors (www.dfaus.com).  For more about SunRay Advisors, visit www.SunRayAdvisors.com