Testimonials
Where your satisfaction meets our ambition. Read what our customers have to say about their experience.
“Life Plan”
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. He stays current and up to date in the challenging field of estate planning. He is always concerned about what works for the best interest of his clients. He is a man of integrity and that is hard to find in the world we live in today. You can trust Tommy. We do, and he has never disappointed us in any way. He is a godly man. We really appreciate how he services our account. When we have questions, he has the answers, or can get them quickly. Tommy is very honest, very black, and white with his thinking, and no nonsense. We appreciate all he has done for us in the past. 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.
★ ★ ★ ★ ★
Dr. Joel & Jonell Chaney
Springfield, MO
“Planning Strategy”
Your estate planning techniques are without question are 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 and the annuity, we used to fund my trust has been unbelievable. Since 2006 my annualized increase in value over my premium less withdrawals including my sign-up bonus has been over 8.21%. I have never paid a fee or had to worry about market losses.
★ ★ ★ ★ ★
Joe Bill Dearing
Harrison, AR
“Common Sence Economics.”
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. Mostly though, I appreciate you always willing to answer my questions when it comes to my financial life. I love your black & white answers. No BS! Thank you.
★ ★ ★ ★ ★
Carol Hanson
Springfield, MO.
You have been such a comfort to me. I would be lost in the financial world without your wisdom and encouragement, I don’t know how I would have made it. 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!
Naoma Brown, TWeatherford, TX
Naoma Brown , TWeatherford, TX
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Customer
★ ★ ★ ★ ★
“Life Plan”
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. As I told you after everything had settled, I feel as though I am home. I appreciate your knowledge and your wisdom, but mostly your honesty. With my previous advisor I had invested $50k in gold as that is what they recommended at the time and within just a few months my account was down to $13k. Thank you for your solid financial advice. With your process, which I believe is a no- brainer, if followed, everyone should be calling you after they have read your book. Again, thank you for teaching me how to never lose money or pay fees. I would recommend your book to anyone who is serious about protecting their retirement money
John Tinkle, Mtn. Home, AR.
★ ★ ★ ★ ★
“Common Sence Economics”
Common Sense Economics. 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.
Dr. Chuck & Ramona McNeal, Berryville, AR.
★ ★ ★ ★ ★
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. Dad is such a trusting individual and he allowed, without knowing, the insurance agent and the attorney to get a stranglehold on his and mom’s entire estate. They (the predators) had placed the attorney in complete control of my parents’ estate. In addition, the financial advisor had my parents’ retirement money in investments that were completely unsuitable for them, and they lost over $200,000 because of him. Then the insurance agent had the attorney set up two irrevocable life insurance trusts using unsuitable variable life insurance to fund the trusts, which also lost them a lot of money.
I am so thankful that they read your book and then make the wise decision to involve you and your qualified estate attorney to unravel the mess they found themselves in with their estate and their assets. 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, meaning the entire estate would have had to be probated, which, again, would have cost thousands of unnecessary dollars. 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!
R Ghan, Warsaw, MO
R Ghan,Warsaw, MO
★ ★ ★ ★ ★
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Customer
“Life Plan”
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. You teach your clients that we are much better off protecting our principal and accrued earnings while eliminating the possibility of ever losing money or paying fees and that this strategy will make us more money than chasing after higher returns. With your education, you have the ability to make financial and estate planning complicated, and yet you keep it so simple that anyone can understand the process. I think what you do for your clients is amazing. God Bless!
Arlon Hickman, retired IBM
Management, Harrison, AR
★ ★ ★ ★ ★
“Common Sence Economics”
Comment from a CPA Workshop Attendee: 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!
Diane Hartsfield, CPA, Rogers, AR
★ ★ ★ ★ ★
“Life Plan”
Tommy, over the past 35 years that I have known you, I have been impressed with your constant desire to provide your clients, including myself and my family, 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. I appreciate you being my friend and someone in my inner circle that I truly trust.
Jerry “Cub” Scott, Banker,
Harrison, AR
★ ★ ★ ★ ★
“Common Sence Economics”
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. Tommy is a very special person as being a great grandparent, has taken on the responsibility of adopting his great grandson Greyson, and providing him with a wonderful home filled with lots love and wisdom. 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, and it is my honor to be writing this evaluation of a good man
Mike Moore, Retired Capitol, Little Rock, AR
★ ★ ★ ★ ★