An accomplished professional based in Harrison, Arkansas, Tommy L. Ruff, CLU, ChFC, CEP, holds more than 28 years of experience in the financial services industry and over 50 years in marketing and customer satisfaction. Educated at the University of Arkansas, Tommy completed his Bachelor’s degree in 1969. He is professionally qualified as a Chartered Financial Consultant, a Chartered Life Underwriter, and a Certified Estate Planner. In his consulting career in Harrison, Arkansas, Tommy focuses on teaching individuals to avoid a wide array of financial pitfalls through careful planning. His expertise includes helping pre-retirees shelter their assets from issues such as estate erosion, high taxes, and market risks. He works with professionals and business owners to eliminate business debt and teaches them how to become their own private bank, recapturing lost opportunity dollars that are spent unknowingly and unnecessarily. Tommy provides business evaluations to many business owners and professionals. Recently, he served as the feature speaker for Common Sense Economics, LLC. He presented on topics such as safeguarding retirement funds and the importance of understanding qualified plans and the tax traps that have been put in place by the government. He also offered a wealth of information regarding safe, time-honored financial strategies. During his presentation, he provided each attendee with a book detailing the drawbacks of 401k plans, IRAs, and similar plans. As an experienced financial consultant, Tommy encourages individuals, professionals, and business owners to contact him for a free one-on-one consultation on the current state of their financial affairs. Tommy L. Ruff maintains affiliations with professional organizations, including the Society of Financial Service Professionals, The Heritage Foundation, the Wealth & Wisdom Institute, and the National Institute of Certified Estate Planners. Beyond his professional endeavors as a financial consultant, he is an active member of Crossroads Community Church in Harrison, Arkansas, and has participated in the prision ministry. He also is a member of the Missouri Fox Trotters Association and raises, trains and shows high quality Missouri Fox Trotting horses. He has been married to his childhood sweetheart for 46 years, and they have 2 daughters, 5 grandchildren, and 1 great-granddaughter.