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Ruben Ruiz

Money Concepts Advisory Service
38 Years of Experience
San Marcos, TX
1 DisclosureBrokerSells Insurance
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Ruben Ruiz is a ChFC-designated registered investment advisor at Money Concepts Advisory Service, based in San Marcos, TX, with 38 years of industry experience. Ruben is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Annuities, Education Planning, Estate Planning, Financial Planning & Coaching, and 5 more. Their firm serves 17,032 clients with $4.1B in assets under management.

Money Concepts Advisory Service
Compensation
Fee-Only (% of Portfolio)Fixed/Hourly
Firm Size
395 advisors
Number of Clients
17,032 clients
Average Client Portfolio
$239K average
Assets Under Management
$4.1B

Fee Structure

Minimum Investment:None
Planning is included in investment management (also available separately)
Minimum Annual Fee:$250
Portfolio-Based Fees (Tiered)
Portfolio ValueAnnual Fee
Up to $1.0M1.30%
$1.0M - $3.0M1.00%
$3.0M - $5.0M0.90%
$5.0M - $10.0M0.75%
$10M+0.60%

Fees vary by program. Standard Guided Portfolio Solutions program typically charges 2.5% annually. Pension and MAP programs use tiered schedules ranging from 1.30% down to 0.60% annually.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

1920A Corporate Drive Suite 106, San Marcos, TX, 78666

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History

Regulatory History (1)
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Judgment / Lien
May 2026
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Ruben is the owner/shareholder of Ruiz Financial Group LLC, providing virtual sales assistant services and referral networking. He also provides financial education courses through Fedek-12 Financial Education & Empowerment, taking about 10-20% of his time. Ruben is also an insurance agent for Medicare, Health, and Final Expense insurance, spending about 10-20% of his time on this activity.

Employment History
Current Registrations
Money Concepts Advisory Service
May 2002 - Present · 24 yrs 5 mos
Money Concepts Capital CORPBroker
August 1988 - Present · 38 yrs 2 mos
State Registrations1 state
TX
AdvisorBrokerBoth

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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