Broker Check
Ruben L. Smith, CFP®, ChFC®

Ruben L. Smith, CFP®, ChFC®

President, Wealth Manager

Born in northern California, Ruben eventually arrived in San Clemente, where he quickly adopted the coastal vibe and lifestyle.  Upon his graduation from San Diego State University, Ruben followed his mother, Judy, into the financial planning business, working alongside her for the next 11 years.  It was during this time that he developed an appreciation for Judy’s ability to develop trust, and to connect with people beyond surface level, an attribute that Ruben deeply respects and applies in his partnership with his own clients.  For over 20 years, Ruben, a CFP®/ChFC® has enjoyed immersing himself into the lives of those seeking advice, life-balance, and financial independence.  Now, after opening the doors to Harbor Rock Wealth Management, with his colleague, James Luster, he looks forward to taking these partnerships to the next level, with a goal of establishing himself as a trusted advisor when clients are considering their next important life decision.  Outside of the office, Ruben enjoys spending time with his wife Kelli and his three daughters.  When he isn’t on the field coaching one of his daughter’s soccer games, he can be found playing his guitar or at a local venue enjoying some live music.