Ray Fallen, LUTCF®, CLU®, ChFC®, RICP®, CPCU® brings a diverse work experience background to his teaching style, having been associated with the accounting firm of Coopers & Lybrand (now Price Waterhouse, Coopers), The IBM Corporation, and his own IT consultancy, serving small to medium-sized for-profit entities in Eastern Ohio and Western Pennsylvania. Fallen also has insurance and financial services-related experience as a 35-year agent for State Farm in Hubbard, Ohio, before he retired in January 2023.

Previously, Fallen served as an adjunct instructor in accounting, finance, and IT with Robert Morris University, Youngstown State University, and Hiram College. While leading his first night school course in cost accounting at YSU in 1978, Fallen realized that becoming an effective instructor not only meant a mastery of the subject, but also keeping students engaged after a long workday, awake, and entertained.  His somewhat unique teaching style reflects all four objectives.

Fallen earned his BSBA cum laude in accounting and IT from Robert Morris University and an MBA in accounting and finance from the University of Pittsburgh Katz School of Business.

Serving as an adjunct instructor with The American College of Financial Services since 2018 has provided Fallen with a path to give back to the financial services industry. Ray earned his LUTCF®, CLU®, ChFC®, RICP®, and CPCU® designations while balancing that work with building a successful State Farm Agency. He believes this perspective provides him with a deeper understanding and appreciation for his students, who are also sharpening their skills through additional education while continuing to serve their clients.

Fallen offers two messages to each of his students who are working at both tasks: "You got this” and “Together, we'll get you through the course."