About the Author
Tommy L. Ruff, ChFC®, MCEP™, CLU®, RFC® is a Master Certified Estate Planner with over 40 years of experience in the financial services industry. He is the author of Common Sense Economics for the Family & Business. Tommy lives in Harrison, Arkansas with his wife Marcela and his son Greyson. 870-391-9221 • tommylruff@gmail.com • tommylruff.com • 3996 Hwy 392 W, Harrison, AR 72601 Tommy is licensed in several States • NPN License Number: #833538. The author is authorized only to sell insurance products. If accounting, legal, or investment advice is needed, seek the counsel of a qualified professional. The author is not endorsed by, nor connected with, nor approved by any government agency or organization. Although this book may be providing information of value to consumers, the book should be considered a solicitation for life insurance and annuities. If accounting, legal or investment advice is needed, one should seek the counsel of a qualified professional.
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