I was born and raised in Weslaco, Texas, in the Rio Grande Valley, and I moved to Boerne in 1989. Boerne has been home ever since—it’s where I’ve lived the longest and where I’ve built both my family and my career. I’m the proud father of two wonderful daughters, ages 34 and 31, who have both graduated from college and are now pursuing their own careers.

I earned my BBA in Finance from the University of Texas Pan American. Over the years, I’ve continued my education through The American College, earning professional designations including Chartered Financial Consultant (ChFC), Chartered Advisor for Senior Living (CASL), and Retirement Income Certified Professional (RICP). Lifelong learning has always been important to me, especially when it comes to better serving others.

Insurance has always been part of my life. My father spent over 50 years with State Farm, and my uncle was also a life insurance agent. Watching them showed me the importance of helping people protect what matters most. Inspired by their example, I followed in my father’s footsteps and became a State Farm agent more than 32 years ago.

My mission has always been simple: build lasting relationships and earn trust by helping people protect their families, assets, and future. I believe insurance isn’t just about policies—it’s about people and making sure they feel secure and supported through all stages of life.

We offer a full range of insurance and financial services, including Auto insurance, Homeowners insurance, Life insurance, Retirement planning and income strategies, and coverage consultations tailored to individual needs. Rather than offering one-size-fits-all solutions, we focus on making sure each client’s coverage truly fits their situation—whether that’s protecting a home, planning for retirement, or safeguarding their family’s future.

What sets us apart is our relationship-driven approach. Anyone can sell insurance, but we focus on truly getting to know our clients—their families, their goals, and their concerns. We take the time to educate clients, so they understand what they have and why it matters. For example, many people don’t realize the difference between what they paid for their home and what it would cost to rebuild it. We make sure those gaps are addressed. Our goal is not just to meet minimum requirements, but to provide meaningful protection and peace of mind. That level of care and attention is what builds long-term trust.

Having lived in Boerne for decades, I’m deeply connected to the community. I believe being part of a local business community means supporting one another—whether that’s recommending trusted professionals, helping new residents get settled, or building relationships across generations. Many of our clients’ children are now becoming clients themselves, which is something I’m incredibly proud of. It’s a reflection of the trust we’ve built over time and our commitment to serving families long-term.

Looking ahead, my vision is to continue growing those multigenerational relationships and adapting to meet the evolving needs of our community. As Boerne continues to grow, there are more opportunities to help new families feel secure and supported.

I’m especially excited about continuing to educate clients on retirement income planning and ensuring families are properly protected in an ever-changing financial landscape. The goal is to remain a trusted resource for both long-time residents and newcomers alike. The strongest reflection of our work is the long-term relationships we’ve built. Many clients have trusted us for decades, and now we’re serving their children as they start families of their own. That kind of loyalty speaks to the level of care, consistency, and personal attention we strive to provide every day.

410 E. San Antonio Avenue

Boerne, TX, 78006

Phone: 830-249-3325

Email: ruben@rubencardenasjr.com

Website: www.rubencardenasjr.com