Broker Check
Elmer F. Ramiscal, CFP®

Elmer F. Ramiscal, CFP®

Financial Advisor

Born in Ilocos Norte, Philippines, Elmer came to the United States in 1961 to serve in the US Navy. He believes his designated career as a Navy Counselor prepared him for the next chapter in his life as a financial advisor. In 1982, Elmer graduated from Golden Gate University with a BS degree in Management. Midway through completing his MBA at Old Dominion University, he switched course and decided to pursue his CERTIFIED FINANCIAL PLANNER™ certification, which he later earned. This certification is awarded to financial professionals who successfully complete coursework and a 2 day comprehensive exam, specific education and work experience requirements.

Services include:

  • General principles of financial planning
  • Investment Planning
  • Insurance Planning
  • Estate Planning
  • Income Tax Strategies
  • Retirement Planning

Elmer joined the Waddell & Reed Virginia Beach office in 1983 and has been growing his business for over 30 years. He has spent his career helping the Filipino community pursue their retirement goals.


  • 2016 Advisor Medalist
  • 2014 & 2015 Advisor of the Year (VB Office)
  • 2014 & 2015 Crest Award
  • 2014 & 2015 Excellence Award in Financial Planning
  • 2012 Top Advisors Forum

Elmer is an active member of the Financial Planning Association of Hampton Roads, Leadership Hampton Roads, and several Filipino-American organizations.

Elmer is the proud father of two children: son, Dion and daughter, Eileen. Dion is a flight test engineer for the US Navy and Eileen is a senior software engineer at Raytheon. In his spare time, Elmer enjoys traveling.

Please contact the office if you have any questions or would like to schedule an appointment. Elmer’s assistant, Sonia Salazar, can be reached at 757-216-1213 or you can email him directly at Waddell & Reed is not affiliated with any organizations referenced herein.



The awards are presented annually by the firm and are based on an analysis of investments, insurance and financial planning sales generated by the advisor.

For more information regarding the awards and dates received, please contact the advisor.

Waddell & Reed is not affiliated with any other entities referenced.  03/20