Tommy L. Ruff, CLU® ChFC®


“Knowledge can be learned, but Wisdom is the ability to apply Knowledge to overcoming the economic challenges of life”

Tommy has been in the Financial Services industry for over 30 years. To better serve his clients, Tommy has worked and studied tirelessly to achieve the coveted Chartered Life Underwriter (CLU®) and Chartered Financial Consultant (ChFC®) from the American College, Bryn Mawr, PA. These designations represent the standard for the highest level of knowledge and expertise in the industry. Less than 1% of the advisors in the Financial Services Industry have accomplished this standard of excellence. He completed his Bachelors of Science in Business Management and Marketing in 1970 from the University of Arkansas. He achieved the Masters of Certified Estate Planners from the Institute of Certified Estate Planners at age 66. He is the author of “Common Sense Economics for the Family”.  This book exposes many of the financial secrets that your financial institution, Wall Street and the government hope you never discover.  Every page presents golden nuggets of financial wisdom. He has been married to his childhood sweetheart for over 50 years. They have two daughters, four beautiful grandchildren and a precious great granddaughter and great grandson. It’s his hope to come and speak to your church or civic organization and share his philosophy for overcoming the challenges of life and his discovery of the 12 secrets to success. Tommy has been a Christian for 60 years, is a member of the Shiloh Church in Harrison, AR.  He is a long time member of the Society of Financial Services Professionals, an associate Member of the Wealth & Wisdom Institute, and the National Institute of Certified Estate Planners, and an Authorized Practitioner of Infinite Banking. He is also a member of the Heritage Foundation, the National Rifle Assoc. and a life-time member of the Missouri Fox Trotters Horse Breed Association. Hosea 4:6 “My people are destroyed for lack of knowledge” and Psalms 37:23 “The steps of a good man are ordered by the Lord, and He delights in his way” are two of Tommy’s favorite Bible verses.