Endorsements “After reading your book, we had to meet with you, which turned out to be the best decision of our financial life. You have taught us how to eliminate market losses, fees and commissions, and unnecessary taxes. Your estate planning strategy not only protected our family from the agony of probate, but you have helped us regain total control of our estate. We thank God for your amazing book and for giving you the wisdom and knowledge to help folks like us.” Jim and Beverly Ghan “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 an outstanding planner. He is not the world we live in today. You can trust Tommy. We have 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 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 will not be disappointed.” Dr. Joel & Jonell Chaney Springfield, MO “Tommy, I want to thank you for introducing my family to Privatized Banking or Infinite banking as some would call it. Our dividends have outperformed their projections, and you have shown us the magic of creating family wealth with pennies on the dollar. No wonder so many banks and corporations use cash value life insurance for their safe money reserves. I also want to thank you for showing us how to eliminate fees, commissions, and unnecessary taxes with our retirement accounts. The premiums bonus was the cream on top of the cake. I have researched your products on how safe our money is with an insurance company as compared to having it with the financial vehicles offered by Wall Street. By moving our money to really gives me a strong sense of security when it comes to our life savings. I would recommend everyone read your book, but more important than reading your book, they should have a conversation with you. You have so many years of experience and that comes wisdom which you shared with folks like me. I will say this, that 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. Again, thank you and may the good Lord continue to bless you.” Kent Hanson, Battlefield, MO Kent has gone home to be with the Lord, and I miss him. “I cannot believe how much I learned from your “Common Sense Economics” financial class. Everything I learned in accounting for my BSBA in Finance, Accounting MBA and working thirty years as a CPA just flew out the window! I have worked in banks, S&Ls, 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
1
Made with FlippingBook. PDF to flipbook with ease