CADIVINS.COM - Key Persons


Ray Ghamsari - Founder

Job Titles:
  • Agency Owner
  • Founder
​Passionate about being helpful and empathetic; Ray has In our agency, we take great pride in the quality of service we provide for our customers. Whether our clients need help filing a claim, processing a payment, or just understanding their insurance coverage we'll always be there ready to help. We know our clients and we know insurance, so our clients enjoy the peace of mind that comes with knowing their insurance agency can help them regardless of how big, small, unique, or specific their insurance needs are. With the years of experience we bring to the table there isn't much we haven't seen before, and you never know when that's going to come in handy. Thanks for taking the time to learn more about our agency and please feel free to contact us any time about anything.

Yolanda Hernandez

Job Titles:
  • Insurance Agent
​Yolanda's determination to work towards creating a better future was applied when she got into insurance: Providing her customers with the best possible service; and picking out the best insurance that fits her customer's needs. Yolanda is also bi-lingual in Spanish; giving a hand in the Spanish-speaking community with each call she makes. With every customer she has; Yolanda makes it personal. ​Yolanda Hernandez acquired a Bachelor of Science degree in Business Administration with a concentration in accounting from California State University of San Bernardino. She is a licensed broker, with experience in selling, and leasing of commercial property. Yolanda Hernandez began her insurance career in 2014 as an Agent with Covered California and Healthmarkets. Yolanda Hernandez became an Independent Agent and Sole-Proprietor in 2016. As an Independent Agent, she represents many insurance carriers in our marketplace to fulfill her client's benefit and related insurance needs. Her transactions include a range of properties from shopping centers, freestanding retail, office, land, industrial buildings, churches and automotive. Yolanda is knowledgeable and experienced which has provided her with the expertise and skills to negotiate transactions for her clients. Yolanda is ready to exceed client's expectations, through excellent communication. Yolanda enjoys going to the gym, hiking, swimming and volunteers her time in a children's non profit organization. She loves to travel, meet new people, and visit museums and historic land sites.