Tommy L. Ruff, CLU ChFC
Master Certified Estate Planner
“40 Years of Experience“
Creating Wealth and Keeping It in the Family is My Mission
AR Ins. Lic. # 833538
MO Ins. Lic. # 0168819
TX Ins. Lic. # 1587724
870-391-9221
tommylruff@cseff.com
TAXABLE INCOME OR TAX-FREE INCOME ?
What is your future tax liability on your retirement account? IRAs – 401(k) – 403(b)
Generation to Generation
Teaching Families and Business Owners Common Sense Financial Concepts to Overcome the Economic Challenges of Tomorrow.
Call 844-906-0606 to schedule a time for us to have a conversation.
Successfully resolved cases and proven experience
READY TO RETIRE?
I have learned over the last four decades the secrets of making sure people never lose money in the markets while eliminating those small management fees that rob a large portion of a person’s retirement account.
Wouldn’t you agree with me that the Constitution of the United States and the Bible are the two most important documents that have ever been written? I am convinced that a financial or estate plan that is not written and then reviewed annually is a waste of time and money.
This is why I do not believe in the financial planning process that is being presented to the American public today. Because most are based on assumptions and projections that rarely ever come to fruition.”.
Tommy L. Ruff
CLU | ChFC | Master Certified Estate Planner
Financial Strategies – Practice Areas
My mission for the past forty years in the financial services industry is to help my clients create wealth and then keep it in the family protected from Probate, unwanted relatives and the government.
Privatize Family Banking
Creating your personal privatized bank is important for creating tax-free income.
Estate Planner
Avoid the Probate courts and other predators of one’s estate.
Retirement Planning
Creating tax-free income while eliminating market losses and management fees
KNOWLEDGE
that will lead you to life transforming knowledge on the subject matter of personal finance.
EXPERIENCE
Let my years of experience and understanding of current events help you prepare for a better future.
FINANCE
When you understand the rules of the money game and you are exposed to what is really going on concerning your coveted estate that you and your family have worked so hard to create, then and only then, will you be fully equipped to make better economic choices.
Our Customers Said
“Banking”
Tommy
Thank you for introducing us to privatized family banking!
★ ★ ★ ★ ★
— Randy & Marlene Aylor.
Springfield, MO.
“Program Retirement”
We would recommend tommy ruff to anyone who has a retirement program and who is concerned with losing money or paying fees.
★ ★ ★ ★ ★
— Dr Joel Chaey
Springfield, MO
“Financial Class”
I cannot believe how much i learned from your ” Common Sense Economics” Financial Class.
★ ★ ★ ★ ★
— Diane Harsfield, CPA
Rogers, AR
You should be able to answer this questions:
01
Do you know what rate of return you must earn on your current investments to sustain your current lifestyle after you retire?
02
Do you know how much you need to be saving right now to fund your retirement years?
03
Is your retirement account insured from market losses, fees, and commissions?
04
How long will you have to continue working after your ideal retirement date?
05
Have you factored inflation into your retirement calculations?
06
Are your assets protected from Probate and other outside predators?
07
Do you know how to become Tax-Free instead of the Perfect Tax Payor?
08
Have you factored inflation into your retirement calculations, What percentage rate are you using?
09
At your retirement, should your account value be less than you had anticipated, what hobbies or other lifestyle pleasures will you be required to surrender to ensure that you never run out of money during your lifetime?
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