Ramiro Marmolejo, CFP®, ChFC®

Your framework for smarter financial decisions.

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Financial Rubrics Ramiro Marmolejo, CFP®, ChFC®
San Antonio, TX

Serving Clients Nationwide

Your framework for smarter financial decisions.

2 Certified Advisor Reviews™
5 out of 5 Stars
Jump to Reviews

Areas of Focus

  • Equity Compensation Options
  • Estate Planning
  • Financial Life Planning
  • Insurance
  • Investment Management
  • Retirement Planning
  • Taxes

About Ramiro Marmolejo, CFP®, ChFC®

Hi, I'm Ramiro Marmolejo. I get it—you’re balancing careers, family life, and big financial decisions, and you want to feel in control of it all.

I work with families who are successful, busy, and ready to take control of their financial future. Whether it’s managing debt, optimizing savings, or protecting your lifestyle, the complexity adds up fast—and you shouldn’t have to sort through it alone.

My structured planning framework makes it easier to protect what matters, avoid common pitfalls, and build lasting confidence in the decisions you make.

I'm not here to sell you products. I'm here to educate, simplify, and help you put every dollar to work—so you can focus on your family, your career, and your life.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER ®
  • Chartered Financial Consultant (ChFC)

Primary Location

300 E. Sonterra Blvd. Ste. 460, San Antonio, Texas 78258

Video

Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Fee Based
  • Hourly Rate
  • One-time Financial Plan
  • Percentage of Assets Managed

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule an introductory meeting online via Zoom or in person. This meeting is to learn more about each other and explain how I work and the process I use. I look forward to speaking with you.

Offers Investment Management

Yes

About Financial Rubrics

At Financial Rubrics, we provide a structured framework to help dual-income households make smarter financial decisions. We help high-achieving families organize their finances, protect what matters, and create a strategy to thrive—without sacrificing lifestyle or freedom.

Who We Help

You’ve worked hard to build a life for your family—and you’re still in the thick of it. Mortgage, work deadlines, kids, car loans, and big goals. You earn a good living, but you’re wondering:

▪️ Are we... making the most of what we have?

▪️ What happens if... something unexpected hits?

▪️ How do we balance... paying off debt and growing wealth?

We specialize in working with:

✔️ Dual-income households (hardworking families with big goals)

✔️ Professionals across all industries (medical, tech, law, education, business)

✔️ Families juggling: mortgages, retirement planning, and competing priorities

I founded Financial Rubrics to offer independent, education-first financial guidance—free from sales quotas or product bias. My role is to be your planner and educator; yours is to remain the decision-maker.

To support this mission, I’m affiliated with Wealth Watch Advisors, a national RIA that provides institutional-grade tools, compliance oversight, and research—allowing me to stay fully independent and focused on you.

Education

The University of Texas at San Antonio, BBA, Finance/Management

Hobbies and Interests

  • Animal Rescue
  • Board Games
  • Family
  • Grilling
  • Traveling
  • Video Games
  • Wine

Who We Serve

  • Attorneys
  • Baby Boomers
  • Corporate Executives
  • Dual Income Family
  • Educators
  • Families
  • Gen X
  • Healthcare Professionals
  • Intergenerational Families
  • Living in Retirement
  • Parents
  • Physicians
  • Technology Professionals
  • Young Families

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Write a Review


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Excellence Personified

✅ Wealthtender Certified Advisor Review™
Sep 4, 2025
I have had the pleasure of Mr. Marmolejo's advice over the years and have found it to be quite beneficial. He clearly has a passion for what he does and knows how to conceptualize things in an easy to digest fashion. I am certain that you will find his advice to be profitable as well.
Relationship to Financial Advisor: Client as of Sep 4, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Richard Ceasor
Richard Ceasor

Financial advisor with a smile

✅ Wealthtender Certified Advisor Review™
Sep 4, 2025
Having Ramiro as our financial advisor has given us a sense of security by keeping us very well informed & educated about all of our investments. He is not only professional, but also shows that he truly cares about our financial well being. He is always available to answer our questions & concerns at any time, and he does it with a smile.
Relationship to Financial Advisor: Client as of Sep 4, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Joe Joanna Wilson
Joe Joanna Wilson
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