I Believe You Would Benefit Greatly by Having a Conversation With Me About Your Current Estate Plan
Financial Consultation
Get one-on-one guidance tailored to your financial situation, goals, and habits. Whether you're just getting started or looking to fine-tune your plan, we’ll help you build a solid foundation for budgeting, saving, and smart decision-making. Gain confidence and clarity with practical steps you can apply right away.
Estate Planning
Protect your loved ones and ensure your legacy is carried out exactly as you intend. We’ll walk you through the complexities of wills, trusts, and power of attorney so that your assets are secured and your wishes are legally documented. It’s not just about paperwork — it’s peace of mind for the future.
Retirement Planning
Start planning today for the retirement lifestyle you deserve. We'll help you map out a strategy that maximizes income and minimizes worry down the road.
Charitable Gifting
Support the causes you care about while maximizing your tax benefits. We’ll help you give in ways that make the biggest impact for both your heart and your finances.
Cash Flow Planning
Get a crystal-clear picture of your income, expenses, and where your money’s really going. We’ll help you set up a system to manage your cash flow with confidence.
Infinite Banking
Take control of your finances using a powerful strategy built around specially structured whole life insurance. Infinite Banking allows you to grow and access your wealth on your terms — without relying on traditional banks. It’s a smart, flexible way to create liquidity, earn interest, and fund major purchases or investments over time.
Tommy L. Ruff
CLU, ChFC, MCEP, RFC
“Generation to Generation” by Tommy L. Ruff CLU, ChFC, MCEP, RFC is a powerful book focusing on creating wealth and keeping it in the family. Drawing from his own experiences with loss and overcoming hardship, he shows how breaking negative cycles can create a brighter future for your family or your business. Learn how to build wealth and pass down a taxfree legacy of blessings for generations to come. Transfer your family’s economic future with the wisdom found in this life-changing book!
My mission for the past 40 years in the financial services industry is to help my clients create wealth and then keep it in the family protected from probate, unwanted relatives and the government.
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Whether you're managing a household or a business, this book gives you the financial clarity to plan ahead, avoid common traps, and grow with confidence.
