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DR. RAFEEK &
MRS. MARY MIKHAIL

Dr. and Mrs. Mikhail appear in the Top 100 People in Finance Magazine

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Dr. Rafeek and Mrs. Mary Mikhail

Dr. Rafeek Mikhail, MD, CFF, is not your typical founder and CEO. With a distinguished background as a nephrologist, his journey from the medical field to financial services is nothing short of extraordinary. While practicing medicine at USC Hospital, he encountered a financial advisor presenting to doctors, promising solutions but failing to provide substantive answers to his questions. That moment sparked a realization: the financial industry needed a more thorough, client-focused approach.

Applying the same principles he used to treat patients, Dr. Mikhail founded CaMu Inc. in 2006 with his wife, Mary. He believes in truly understanding a client's financial "chart"—their complete financial picture—before recommending any solutions. For over 20 years, Dr. Mikhail has managed daily operations, coached advisors nationwide, and developed training programs approved by A+ financial institutions. His expertise includes guiding clients toward guaranteed income for retirement, emphasizing payout percentages, and educating them on tax-free retirement strategies.

Dr. Mikhail’s accomplishments span both medicine and finance. As a certified financial fiduciary and certified estate planner, he is a national coach for financial professionals and chairs the education committee of the Society of Certified Retirement Financial Advisors. Recognized as one of the top three financial coaches nationwide, he has also earned accolades for his medical contributions in the U.S., Canada, and Australia.

Mary Mikhail: Empowering Clients and Advisors

With a robust background in financial advisement and customer service, Mary Mikhail brings a unique perspective to CaMu Inc. As senior vice president, Mary is a trailblazer in public education about Social Security, Medicare, and family protection strategies. Her mission is to simplify complex financial concepts, making them accessible to clients from all walks of life.

Mary’s dedication to advancing family protection initiatives encompasses college planning and retirement strategies. She is passionate about empowering young professionals to achieve financial freedom and sharing innovative, discounted retirement options. Mary also mentors individuals seeking career growth and work-life balance, showing how they can gain control over their business and personal lives.

Certified as a financial fiduciary and retirement financial advisor, Mary has been named one of the top 50 female financial professionals nationwide. Her educational foundation includes a BA in sociology from California State University, bolstered by advanced certifications in financial planning and estate management.

Together: A Holistic Approach to Financial Well-Being

At the heart of CaMu Inc., based in Valencia, California, is a shared philosophy: treat every client’s financial needs as if they were your own. Dr. and Mrs. Mikhail bring a deeply personalized approach to financial and insurance services, addressing complex issues such as retirement income, tax-free income, estate planning, and more.

Their work transforms lives. One memorable client story exemplifies their mission: after organizing every aspect of a couple’s financial life over 18 months, the clients finally felt secure enough to take their first honeymoon in 25 years of marriage. “That’s why we do what we do,” says Dr. Mikhail.

With CaMu Inc. recognized as one of the top 100 financial fiduciary firms nationwide, the Mikhails continue to redefine the industry. Their commitment to education, trust, and personalized service ensures that every client feels empowered and financially secure.

 

 

Dr. Rafeek Mikhail, MD, CFF: Founder and CEO
Mrs. Mary Mikhail, CFF, CEPS, Co-Founder and CFO
CaMu Inc.
Website: https://www.camulivingtrust.com
LinkedIn: https://www.linkedin.com/in/drrafeekmikhail/

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