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It All Starts With Trust

Integrated Financial Planning & Wealth Management

Dedicated to Guiding You Through the Journey

As a CERTIFIED FINANCIAL PLANNER (CFP®), my goal is to provide you with a strategic planning process that results in in-depth financial planning services. For years, my team and I have worked with clients to manage their finances and approach their unique goals.

With clients ranging from university professors to retired military veterans, I have experience guiding individuals as they face unique challenges that require specified advice. I’ll work closely with you to overcome any obstacles in your way.

My Fiduciary Commitment

Working with a Registered Investment Advisor means you can count on receiving unbiased, holistic advice that is delivered in your best interest. My team and I focus our efforts on getting to know you and building a meaningful, life-long relationship.


“I understand that allowing me to help guide your financial decisions is no small thing. To me, managing wealth goes far beyond dollars and cents - it is about helping you secure your future.”

- Ryan Elkins, CFP®, CWS®

Committed to Delivering an Exceptional 

Client Service Experience

Get to Know Your Advocates in Financial Understanding

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Ryan S. Elkins, CFP®, CWS® Photo

Ryan S. Elkins, CFP®, CWS®

Wealth Advisor / Owner
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Ryan S. Elkins

Ryan S. Elkins, MBA, CFP®, CWS®

Vice President & Financial Advisor

Ryan Elkins is a wealth advisor and advocates for higher education professionals and retired military seeking to reach their financial goals. Instead of focusing on trends, he coordinates the financial planning process for his clients by centering on their individual, specific circumstances and financial future.

With a strong familial and personal connection to the military, Ryan utilizes his experience in the Army to connect with retired military personnel and those who can relate to similar circumstances, such as university professionals. Because retirement is a personal decision, Ryan believes in helping clients understand what effect salary, length of service and university-sponsored benefit plans have on their specific goals. In both cases, academia and retired military, Ryan prioritizes cross-generational planning because he understands how things can go awry.

Professional Career & Education

Ryan began his financial planning career in 2004 and prior to joining Avior Wealth Management, LLC, he spent 10 years providing financial planning services for the military and their families at USAA. In 2019, Ryan moved from the broker-dealer side of the business to become an Investment Advisor Representative (IAR) at Avior Wealth Management, LLC. Today, he leverages their resources to help his clients plan, build, protect and manage their financial security.

As a CERTIFIED FINANCIAL PLANNER™ (CFP®), Ryan adheres to a professional code of ethics and fulfills annual continuing education requirements to remain aware of current planning strategies and financial trends. Additionally, he is a Certified Wealth Strategist® equipped with the competency to address the specific wealth management issues facing high-net-worth individuals. A graduate of the University of Maryland European Division, Ryan received his undergraduate degree in Business Administration in 2004. More recently, he received a Master of Business Administration from the University of the Incarnate Word in San Antonio, Texas.

Personal Life

Ryan moved to San Antonio roughly 13 years ago and today, he and his wife of 21 years reside in Helotes with their two children. Ryan and his family love the local culture, traditions and family events that San Antonio and the surrounding Hill Country have to offer. When they aren't enjoying these, they can be found basking in the great outdoors while biking, hiking, swimming or camping.

Kristin (Kay) A. Bernal Photo

Kristin (Kay) A. Bernal

Client Associate
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Kristin (Kay) A. Bernal

Kristin (Kay) A. Bernal

Client Associate

Kay began her career in the financial services industry in 2016 with Merrill Lynch. By the time she joined Avior Wealth Management, LLC, she was an experienced client associate able to provide quality customer service. As your primary contact on our team, she is responsible for processing requests and account administration.

Born and raised in San Antonio, Kay is proud to be part of a multi-generational San Antonio family. When she’s not taking great care of our clients, she enjoys traveling, hunting, golfing, fishing and spending time with family and friends.

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Juan Morales

Client Associate
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Juan Morales

Juan Morales

Client Associate

Juan works with Kay to ensure that our clients receive excellent service. He helps with opening and servicing accounts and supports Kay on an as-needed basis.

Born and raised in Texas, Juan grew up in Odessa but recently moved to San Antonio to pursue a career in the financial services industry. He holds a BBA in marketing from the University of Texas of the Permian Basin and has prior experience in fast-paced roles having worked for both a startup company in the tech industry and an internship in politics.

During his free time, Juan enjoys traveling, technology and sports, but most of all spending time with family and friends.

Staff Planning Department Photo

Staff Planning Department

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Staff Planning Department

Alongside the dedication of his staff, Ryan works closely with the staff planning department at Avior Wealth Management, LLC. In addition to helping their advisor create, monitor and maintain client financial plans, the staff planners are charged with maintaining the ever-changing financial planning environment.

Backed by Quality and Excellence

Each member of my team joined Avior Wealth Management, LLC because of the firm's dedication and philosophy around financial planning advice and solutions.

Together, we strive to deliver an exceptional client service experience. We also have access to the best tools and a broad range of expertise for planning, implementing and monitoring our integrated planning approach.

What You Can Expect:

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Discover How We Help

A Variety of Services Tailored to Your Unique Needs

Long-Term Solutions | Lifelong Relationships

My team and I enjoy working with client families on a multi-generational level in order to keep everyone financially informed. From building a nest egg to ensuring your legacy is left as you intend, we’ll work with you individually and collectively to approach the objectives you have in mind. 

Client-Focused Services Include:


Integrated Financial Planning


Retirement Services




Cash Management


Education Planning


Survivor & Asset Protection


Estate Plan Coordination


Tax Plan Coordination

Additional Professional Resources

I know how complicated finances can be, which is why I typically work directly with other professionals to design and implement strategies to help you achieve your goals. Relying on a network of professionals allows me to provide technical advice as required. These professionals include: 

Business Man

Estate Lawyers


Certified Public Accountants


Mortgage Brokers


Real Estate Professionals

Are You Ready to Enhance Your Financial Understanding?

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Harnessing the Power of a Strategic Plan

As a financial planner, my intention is to create, implement and monitor long-term and effective strategies for my clients. I also believe that each plan should serve a purpose that is meaningful to you, your goals and how we can work to achieve them.

You may come to me and my team interested in financial education but unsure how to approach or implement it into your busy schedule. Whether you are juggling family or career commitments, I strive to help you obtain financial and personal peace of mind using a collaborative planning process. 

A Planning Process That Navigates Life With You

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Industry Updates & Articles

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My team and I proudly serve San Antonio, Texas and surrounding areas, and we look forward to working with you - virtually or in-person based on your preference and location. Schedule time to meet or use the submission form below to begin.