Ruben Ruiz is an award-winning author, financial coach, president and CEO of The Ruiz Financial Group, LLC., and W&M Publishing. Ruiz is a member of the Financial Planning Association (FPA) of San Antonio and South Texas and has served in various positions for the organization, including chairman of the Board. Ruiz teaches, educates and provides consulting services to clients and associates in wealth management and financial planning. He has published three books on financial planning & money management, in English and Spanish. Ruben Ruiz, Jr., MSFS, CLU, ChFC, RFC, is a regional director of Money Concepts Financial Planning Centers in San Marcos and San Antonio, Texas.

Mr. Ruiz has a bachelor of business administration (BBA) degree from Southwest Texas State University (Texas State University) and a master of science in financial services (MSFS) degree from the Richard D. Irwin Graduate School of The American College, Bryn Mawr, Pennsylvania. He holds the professional designations of the chartered financial consultant (ChFC) and the registered financial consultant (RFC).

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