Tommy L. Ruff – Professional Biography

Tommy L. Ruff has dedicated over 40 years to the Financial Services industry. Throughout his career, he has pursued excellence with tireless commitment, earning the prestigious designations of Chartered Life Underwriter® (CLU) and Chartered Financial Consultant® (ChFC) from The American College of Financial Services in Bryn Mawr, PA. These designations represent the highest standards of knowledge and ethical responsibility in the profession—held by fewer than one-half of one percent of financial advisors in the U.S. and Canada.

Tommy earned his Bachelor of Science in Business Management and Marketing from the University of Arkansas. He completed his Master Certified Estate Planner™ (MCEP) designation from the Institute of Certified Estate Planners™. He is also a Registered Financial Consultant® (RFC) with the International Association of Registered Financial Consultants. Tommy is also a certified life coach with the John Maxwell Academy, where he mentors others with faith-based leadership principles.

Tommy is the author of “Generation to Generation”, a powerful and practical book that draws on more than four decades of experience to reveal financial truths often obscured by Wall Street, financial institutions, and even government entities. He offers this book free on his website: https://www.tommylruff.com — as a tool to educate families and professionals, and to encourage Zoom consultations with those seeking to take control of their financial future.

As a Registered Financial Coach, Tommy specializes in comprehensive financial planning for individuals and business owners, with expertise in retirement planning, executive bonuses, estate planning, infinite banking and charitable gifting. His mission is clear and unwavering:

A committed Christian for over 67 years, Tommy & his family attend Woodland Hills Church in Branson, Missouri. He is affiliated with several respected professional organizations, including Society of Financial Services Professionals, the Wealth and Wisdom Institute, National Institute of Certified Estate Planners, International Association of Master Registered Financial Consultants, American Institute of CPAs (AICPA) and an Authorized Practitioner of Infinite Banking.