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.” Sabina Puete, Mtn. Home, 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. In addition, the financial advisor had my parents’ retirement money investments that were completely unsuitable for them, and they lost over $200,000 because of him. The insurance agent had the attorney set up irrevocable life insurance trusts using unsuitable variable life insurance to fund the trusts, which also lost them a lot of money. I am so thankful that you read your book and then made the wise decision to involve you and your qualified estate attorney to unravel the mess they found themselves in with their estate and their assets. Their previous attorney had written them a couple of living trusts over the years and yet had never funded their trusts with any of their assets, meaning their estate would have had to be probated, which, again, would have cost thousands of unnecessary dollars. Again, thank you for taking care of my parents. They, myself, and my daughter are now well protected from the Probate courts, losing money, or paying any more fees, and your planning process, you have saved us from paying a lot of unnecessary taxes. God bless you!” Regina Ghan, Warsaw, MO “Tommy, we want to thank you for your educational teaching how to protect your retirement money from ever losing value through market corrections or by paying fees and commissions. Also, we are so thankful that we established a Privatized Banking years ago before wealth anyone ever thought. Amazing program. Getting old is not fun, but we are wise and at peace planning. We now have confidence in our estate planning. Avoid the Probate process. We can give all that we have to those we love without any outside interference. Keep up the great work that you do. Our only message to anyone who will read this letter is: ‘What are you waiting on?’ Tommy is the real deal, and he can be trusted to do what is the best for your family. Tommy, God bless you!” Randy and Marlene Aylor, Springfield, MO
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