Meet The Team

Ray Nations, EA, CTRS: IRS Tax Problem Resolution Specialist

Ray Nations, EA, CTRS: IRS Tax Problem Resolution Specialist

I am dedicated, educated & experienced in helping individuals burdened by tax problems--especially those in trouble with the IRS! My qualifications & experience allow me to provide you with the education and support you need to sift through the mess. I am a Certified Tax Resolution Specialist (CTRS) & an Enrolled Agent (EA), and I serve on the Board of Directors of both the Hampton Roads Society and the Virginia Society of Enrolled Agents. I am also a Fellow of the National Tax Practice Institute, and a member of American Society of Tax Problem Solvers. In addition, you can hear me on "Ask The Experts" twice a week on WNIS AM 790, I have a B.S. in Accounting from Ball State University, and I have 30+ years in the tax industry. Ray's hobbies include bike riding, woodworking, reading & playing harmonica--which is something he does in the office!

Judy Nations

Judy Nations

Judy Nations is the office manager at her husband’s tax office. Her duties include marketing, organizing and filing, and helping with reception duties. For twelve years, before working in the tax office, Judy taught in a classical Christian school. She also home schooled and wrote a book for families (Men of the Holidays). Ray and Judy have a combined family of six married children and nine grandchildren. They enjoy dancing, singing, visiting family, and serving Christ.

Dana M. Kosky, EA

Dana M. Kosky, EA

In 2017, Dana Kosky became a newly licensed Enrolled Agent and a full-time member of the Nations Tax Expert team. She came to us in 2015 with many years of accounting experience including tax preparation at personal and corporate levels, payroll, accounts receivable, accounts payable, workman’s compensation and general liability audits, along with IRS problem resolution. Thirteen of those years, Dana managed her late husband’s accounting firm in Atlanta, Georgia. Becoming fluent in Spanish, she worked predominately with Hispanic clients who were in the construction business. Dana has two wonderful children and a loving extended family here in Hampton, VA. Her hobbies include renovating houses, reading, and helping others. Her varied experiences and knowledge greatly enhance our Nations Tax Expert team.

Eula Williams

Eula Williams

Eula has worked as a tax preparer, with Ray, since 2012. She is a Level III Certified Tax Preparer, having passed a rigorous written examination of her knowledge of tax laws. She has prepared personal, business, estate and trust tax returns. Eula graduated Magna Cum Laude from Thomas Nelson Community College, with an Associates degree in Public Administration. She retired, after 21 years, working in Social Services, as a Fraud Investigator. She is the mother of five and grandmother of six. Her priorities are her family and her church.