“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, Retired State Capitol, Little Rock, AR “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 “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 really don't have the words to truly express my faith and trust and gratitude for how he helped my family. Tommy Ruff is a man of his word. His faith in God drives him to help people in every area of their lives. His wisdom, and his always there for me. Read his book, listen to his personal story, and follow his recommendations. You won't be disappointed. His is a true blessing.” Sabrina Ellis, Baton, AR “Tommy Ruff, CLU ChFC RFC MCEP, It is a tremendous relief not to worry about losing our retirement and paying massive retirement fees. Your knowledge for our subject is excellent and is only surpassed by your love and concern for your clients and what is best for them.”
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.
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