Organize your contributions and project your retirement—clearly, in minutes
With RuffFactor 12™ and RuffWay™, turn monthly contributions into a real plan for growth and legacy—no pressure, just clarity.
Smart monthly discipline: set how much, when, and why to contribute.
Growth with purpose: see year-by-year projections and scenarios.
Integrated protection: reduce taxes, fees, and avoid costly mistakes.
RuffFactor 12™ — your professional monthly plan
Turn “paycheck to paycheck” into plan to plan. Calculate sustainable contributions, manage risks, and create a growth discipline that sticks.
Features:
Realistic goals for today.
Visible goals for tomorrow.
Simple adjustments when life changes.
Trust and Actions
CLU®
ChFC®
RFC®
Master Certified Estate Planner™
40+ Years of Experience
1:1 Consultation
WhatsApp:
+1 (870) 391-9221
· Use code 0051
We respect your privacy. No aggressive sales. “No Pressure — Just Clarity.”
RuffFactor 12™
Note: calculation assumes end-of-month contributions (ordinary annuity). Estimates for illustration only.
Ready to refine your strategy?
RuffWay™ — Your retirement path, visualized
Project year-over-year, check for gaps, and detect inflection points where a small change today prevents a big problem tomorrow.
Features:
Year-by-year projection with compound growth.
Automatic incremental simulation.
Recommended next step (3 cards):
Compare scenarios (base vs. accelerated)
Optimize taxes & fees (legal strategies)
Protect the legacy (beneficiaries, wills, trust)
“Life Plan”
Tommy, thank you for making me feel as if I’ve finally found a financial advisor who truly cares about me as a person. Once everything settled, I felt at home. I value your knowledge and wisdom—and above all, your honesty.
With my previous advisor I invested $50,000 in gold based on their recommendation; within a few months, the account had fallen to $13,000. Your guidance has been steady and practical. Your process is clear and—when followed—just makes sense. After reading your book, I believe many will come to the same conclusion.
Thank you for showing me how to protect my savings and avoid unnecessary fees. I wholeheartedly recommend your book to anyone serious about safeguarding their retirement.
★★★★★