Real Words from Real Families
For over 40 years, Tommy L. Ruff has helped families protect what matters most. Here’s what they have to say.
“Tommy, I want to thank you from the bottom of my heart for what you did for my mom and dad and ultimately myself and my daughter. Working with you was a pleasure, even though it took over a year to get the mess cleaned up that their previous financial advisor, insurance agent and attorney had made for our family… Their previous attorney had written them a couple of living trusts over the years and yet had never funded their trusts with any of their assets — the entire estate would have had to be probated. Again, thank you for taking care of my parents. They, myself, and my daughter are now well protected from the Probate courts, losing money, or paying any more fees, and with your planning process, you have saved us from paying a lot of unnecessary taxes. God bless you!”
Trusted by Families Across the Country
“We would recommend Tommy Ruff to anyone who has a retirement program and who is concerned with losing money or paying fees. We have found him to be trustworthy and conscientious. He does what he says and says what he does. We have never lost a penny or paid a fee. His process eliminates our worry over our finances. Call him, you won’t be disappointed.”
“Your estate planning techniques are without question amazing. I am now 85 years young and because of your education as an estate planner you helped me make a very wise decision back in 2006 by establishing a Charitable Trust which saved me thousands of dollars in capital gain taxes. Since 2006 my annualized increase in value has been over 8.21%. I have never paid a fee or had to worry about market losses.”
“Tommy, I want to thank you for being my trusted financial advisor. Not only have you made me a lot of money and I do appreciate that, but having you on board with your knowledge and especially the wisdom you have shared with me over the past 21 years is awesome. I love your black & white answers. No BS! Thank you.”
“You have been such a comfort to me. I would be lost in the financial world without your wisdom and encouragement. I cannot believe how well my cash value has grown over the years. I will soon be receiving more tax-free income than you had projected those many years ago. You have truly been a blessing. You just help make life so simple and peaceful. God Bless you!”
“Thank you so much Tommy for making me feel as though I have finally found a financial advisor who really cares about me as an individual. With my previous advisor I had invested $50k in gold and within just a few months my account was down to $13k. Thank you for your solid financial advice. With your process, I would recommend your book to anyone who is serious about protecting their retirement money.”
“It is a tremendous relief not to worry about losing our retirement and paying excessive fees. Your knowledge for your subject is excellent and is only surpassed by your love and concern which you have shared with us.”
“Without your help we would have lost around 40% of our life savings back in 2008. You have taught us the truth about how money truly works — protecting our principal and accrued earnings while eliminating the possibility of ever losing money or paying fees. What you do for your clients is amazing. God Bless!”
“I cannot believe how much I learned from your ‘Common Sense Economics’ financial class. Everything I learned in achieving my BSBA in Finance, Accounting MBA and working thirty years as a CPA just flew out the window! I have worked in banks, S&L’s, Lending and Leasing, insurance underwriting, as a Controller, an Auditor, and a Treasurer. I’ve never seen anything such as you taught today for personal financial planning. It is revolutionary!”
“Tommy, over the past 35 years that I have known you, I have been impressed with your constant desire to provide your clients with honest and accurate information. I would encourage anyone who is serious about creating wealth and keeping it in the family to follow your process. It is simple to understand, and it works.”
“Tommy has been like a father to me for 35 years. He is truthful to a fault, but you never have to worry about being misled. I don’t know who will read this comment, but I do know that you can trust what Tommy is teaching you. I have personally witnessed him overcoming the school of hard knocks with integrity and honor.”