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Tommy L. Ruff
CLU® · ChFC® · RFC®
Master Certified Estate Planner™
Creating Wealth and Keeping It in the Family
Tommy Ruff began his career in 1984. After decades on the front lines of financial services, he discovered a harder truth: the conventional system was built to benefit Wall Street and Washington — not families.
Since 2002, Tommy has operated completely independent of Wall Street, helping clients build and protect wealth with strategies that carry zero market risk and zero management fees — strategies most advisors have never seen and the industry hopes stay hidden.
At 79 years old — having survived open-heart surgery, two amputations, and personal losses that would stop most people — Tommy is still studying every day, still serving clients, and still picking up the phone himself when it rings.
Learn How to Create Tax-Advantaged Retirement Income
A short video revealing strategies that protect your wealth, reduce taxes, and eliminate market risk — in plain English.
Watch the Tax-Free Income Video
Strategies most advisors will never show you
Your wealth deserves a strategy — not a risk.
Financial Strategies Built on Certainty, Not Guesses
Every strategy Tommy recommends is grounded in guarantees. Your family deserves a plan that works regardless of what markets, Washington, or inflation do next.
Privatized Family Banking
Build your own personal bank using dividend-paying whole life insurance. Create tax-free income, liquidity, and generational wealth — completely outside Wall Street’s reach.
Learn More →Estate Planning
Protect your family from the agony of probate, unwanted relatives, and government predators. Your estate should go where you intend — not where the courts decide.
Learn More →Retirement Protection
Shield your 401(k), IRA, or SEP from market losses, hidden fees, and future tax increases. A retirement account that can never lose is not a dream — it is a strategy.
Learn More →Business Owner Planning
Build your own retirement plan free from employees and government interference. Protect against hidden contract risks and tax traps that business owners rarely see coming.
Learn More →Tax-Free Income Strategies
Using IRS codes 7702, TEFRA, DEFRA, and TAMRA — Tommy shows clients how to become tax-free instead of the government’s perfect taxpayer.
Learn More →Free 30-Minute Consultation
Tommy offers a no-obligation conversation to review your current plan. No sales pressure. Just an honest second opinion from 40 years of real-world experience.
Schedule Now →“If your current advisor does not guarantee that your retirement account will never again lose value due to market corrections — and will never charge a management fee or commission — give me a call.”— Tommy L. Ruff · 870-715-9007
Can You Answer These 8 Questions?
If you cannot answer these with confidence, your retirement plan has gaps that could cost your family everything.
Do you know the exact rate of return you must earn on your investments to sustain your lifestyle after retirement?
Do you know how much you need to save right now to fully fund your retirement years?
Is your retirement account truly insulated from market losses, fees, and commissions?
How many more years will you have to work past your ideal retirement date?
Are your assets protected from probate, the government, and other outside predators?
Do you know how to become tax-free instead of the government’s “perfect taxpayer”?
Have you factored real inflation into your retirement calculations?
If your account falls short, what lifestyle pleasures will you be forced to surrender to avoid running out of money?
The free ebook answers every one of these questions in plain English — with real strategies you can act on today.
Real People. Real Results.
“After reading your book, we had to meet with you — which turned out to be the best decision of our financial life. You taught us how to eliminate market losses, fees, commissions, and unnecessary taxes.”
“He is trustworthy and conscientious. We have never lost a penny or paid a fee. His process eliminates our worry over our finances. He is a godly man. Call him — you will not be disappointed.”
“Our dividends have outperformed their projections. You have proven to my family that you are a man of your word, you give great service, and you are a man of integrity.”
“I cannot believe how much I learned. Everything from my BSBA in Finance, Accounting MBA, and 30 years as a CPA just flew out the window! It is revolutionary.”
“Over the past 35 years I have been impressed with Tommy’s constant desire to provide honest and accurate information. His process is simple to understand, and it works.”
“Thank you for introducing us to Privatized Family Banking. You have shown us the magic of creating family wealth. You have proven to my family you are a man of your word.”
Tommy’s Promise to Every Client
If your current advisor cannot guarantee that your retirement account will never again lose value due to market corrections — and that you will never be charged a management fee or commission — call Tommy at 870-715-9007. That conversation is free, and it could change everything for your family.
Ready to Take Control of Your Financial Future?
Schedule a free 30-minute conversation with Tommy. No sales pitch. No pressure. Just 40 years of wisdom working for your family.