“Tommy has been like a father to me for 38 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 of love and wisdom. I don’t know how will read this comment, but I do know that you can trust Tommy is teaching you how to overcome 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, Pastor, Harrison, AR “You will not go wrong with choosing Tommy Ruff as your financial consultant. His process works and his service is really good. He tells it like it is without any ‘BS.’ Meet with him, you want be disappointed.” James Sitton, Melbourne, AR “Tommy’s knowledge in the arena of Estate & Retirement planning is outstanding. You won’t be paying management fees or ever losing value in your accounts when the market has corrections. You can trust him, we do.” Larry & Lela, Ashburn, Willard, MO “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. View, AR “Back in the late 90’s and early 2000’s I worked for Tommy. I am now a Registered Nurse and Tommy retirement strategy is awesome. I never have to worry about losing money or paying fees. His method gives me peace of mind. You should call him and schedule a meeting. I promise you will never feel any sales pressure. You can trust his advice.” Cathy King, RN, Bergman, AR “Tommy is my financial coach, and he has helped my grandfather with his financial and estate planning for many years. I didn't realize the importance of having a personal financial coach until the events that brought me to him. After my grandfather passed away, that the way Tommy help secure my grandfather's estate to keep out the unwanted relatives and the Probate court was what I needed for my family. Tommy helped me set up my own financial coaching plan, and now, with my kids' future in mind, I know my family will be taken care of. I know from experience. His knowledge is superior. My grandfather told me one time that when the time comes for him to pass away he rely on Tommy and his wisdom. He said that by following Tommy's direction on having the right type of insurance policy, he would be able to pass over $400k to his heirs tax-free. He said he made him a lot of money without risk or fees. I
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