Stewart Ray was born in Woodbridge, just north of Toronto, where he studied Business at York University. Additionally, he is also an Associate of the Insurance Institute of Canada. 

Mr. Ray spent the first half of his career in product development working for two of Canada’s largest fine paper manufacturers, where he specialized in security & currency products. 

Returning to his wife’s (of 30 years) roots in Pembroke, he left the fine paper industry in the mid-90s, to start their family, and a small insurance agency where he has represented State Farm for the past 25 years. Through merger, that affinity has continued with the Desjardins group. Stewart and his wife enjoy some of their recreational time, at their, recently acquired, craft wine shop.

As well as serving on the Carefor Board, Mr. Ray is Chair of the local Pembroke-Renfrew County Regional Council and a member the Governance Committee.