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301 Moved Permanently - cseff.com
HTTP Status: 301
User-Agent: Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; [email protected])
Date: Wed, 30 Apr 2025 13:49:58 GMT
Server: nginx/1.25.5
Content-Type: text/html; charset=UTF-8
Content-Length: 0
Vary: accept,content-type
X-Redirect-By: WordPress
Location: https://www.cseff.com/
Cache-Control: max-age=7200
Expires: Wed, 30 Apr 2025 15:49:55 GMT
host-header: c2hhcmVkLmJsdWVob3N0LmNvbQ==
X-Endurance-Cache-Level: 2
X-nginx-cache: WordPress
X-Server-Cache: true
X-Proxy-Cache: MISS
HTTP Code 301 Moved Permanently
301 status code means that the requested resource has been permanently moved to a new URL. All future requests should use the new address.
When is Code 301 used?
- When changing a website domain
- When modifying URL structures
- When setting up redirects for SEO
What does Code 301 mean for the user?
The browser will automatically redirect the user to the new address, and search engines will update their indexes.
200 OK - https://cseff.com/
HTTP Status: 200
User-Agent: Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; [email protected])
Date: Wed, 30 Apr 2025 13:49:59 GMT
Server: nginx/1.25.5
Content-Type: text/html; charset=UTF-8
Vary: accept,content-type,Accept-Encoding
Link: <https://www.cseff.com/wp-json/>; rel="https://api.w.org/", <https://www.cseff.com/wp-json/wp/v2/pages/6>; rel="alternate"; title="JSON"; type="application/json", <https://www.cseff.com/>; rel=shortlink
Server-Timing: wp-before-template;dur=281.57
Cache-Control: max-age=7200
Expires: Wed, 30 Apr 2025 15:49:59 GMT
host-header: c2hhcmVkLmJsdWVob3N0LmNvbQ==
X-Endurance-Cache-Level: 2
X-nginx-cache: WordPress
X-Server-Cache: true
X-Proxy-Cache: MISS
Transfer-Encoding: chunked
HTTP Code 200 OK
200 status code is a standard successful HTTP server response. It means that the client’s request (e.g., from a browser) was successfully processed, and the server is delivering the requested data.
When is Code 200 used?
- When loading a web page
- When successfully receiving an API response
- When processing a form or another HTTP request
What does Code 200 mean for the user?
The user receives content without errors, and the page or application functions properly. If Code 200 is accompanied by data, the browser or program processes and displays it to the user.
GET / HTTP/1.1 Host: cseff.com Accept: */* User-Agent: Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; [email protected])
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:root :where(.wp-block-button .wp-block-button__link){background-color: var(--wp--preset--color--primary);border-radius: var(--wp--custom--button-border-radius);border-width: 0;border-style: solid;color: var(--wp--preset--color--base);font-size: var(--wp--preset--font-size--small);font-weight: 500;padding-top: 0.5rem;padding-right: 1rem;padding-bottom: 0.5rem;padding-left: 1rem;}
:root :where(.wp-block-heading){color: var(--wp--preset--color--primary);font-family: var(--wp--preset--font-family--poppins);text-decoration: none;}
:root :where(.wp-block-heading a:where(:not(.wp-element-button))){color: var(--wp--preset--color--primary);text-decoration: none;}
:root :where(.wp-block-navigation){line-height: 1.75;}
:root :where(.wp-block-navigation a:where(:not(.wp-element-button))){text-decoration: none;}
:root :where(.wp-block-navigation a:where(:not(.wp-element-button)):hover){color: var(--wp--preset--color--primary);text-decoration: none;}
:root :where(.wp-block-navigation a:where(:not(.wp-element-button)):focus){text-decoration: underline dashed;}
:root :where(.wp-block-navigation a:where(:not(.wp-element-button)):active){text-decoration: none;}
</style>
<style id='block-style-variation-styles-inline-css'>
:root :where(.wp-block-button.is-style-outline--2 .wp-block-button__link){background: transparent none;border-color: currentColor;border-width: 2px;border-style: solid;color: currentColor;padding-top: 0.667em;padding-right: 1.33em;padding-bottom: 0.667em;padding-left: 1.33em;}
</style>
<style id='wp-emoji-styles-inline-css'>
img.wp-smiley, img.emoji {
display: inline !important;
border: none !important;
box-shadow: none !important;
height: 1em !important;
width: 1em !important;
margin: 0 0.07em !important;
vertical-align: -0.1em !important;
background: none !important;
padding: 0 !important;
}
</style>
<style id='core-block-supports-inline-css'>
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<h1 class="wp-block-heading has-text-align-center has-large-font-size"><strong>“<mark style="background-color:#000000" class="has-inline-color has-base-color">You can be young without money, but you can´t be old without it</mark>” – <mark style="background-color:#000000" class="has-inline-color has-base-color">Tennessee William</mark>s</strong></h1>
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<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1200 600" data-related-device="desktopPortrait" class="n2-ow n2-ss-preserve-size n2-ss-preserve-size--slider n2-ss-slide-limiter"></svg><div data-first="1" data-slide-duration="0" data-id="20" data-slide-public-id="1" data-title="Slide 1" class="n2-ss-slide n2-ow n2-ss-slide-20"><div role="note" class="n2-ss-slide--focus" tabindex="-1">Slide 1</div><div class="n2-ss-layers-container n2-ss-slide-limiter n2-ow"><div class="n2-ss-layer n2-ow n-uc-ilKccWj69lFK" data-sstype="slide" data-pm="default"><div class="n2-ss-layer n2-ow n-uc-1c6c49c96a8d6" data-pm="default" data-sstype="content" data-hasbackground="0"><div class="n2-ss-section-main-content n2-ss-layer-with-background n2-ss-layer-content n2-ow n-uc-1c6c49c96a8d6-inner"><div class="n2-ss-layer n2-ow n2-ss-layer--block n2-ss-has-self-align n-uc-mG2k8HLSPV4a" data-pm="normal" data-sstype="row"><div class="n2-ss-layer-row n2-ss-layer-with-background n-uc-mG2k8HLSPV4a-inner"><div class="n2-ss-layer-row-inner "><div class="n2-ss-layer n2-ow n-uc-153023fc3458e" data-pm="default" data-sstype="col"><div class="n2-ss-layer-col n2-ss-layer-with-background n2-ss-layer-content n-uc-153023fc3458e-inner"><div class="n2-ss-layer n2-ow n-uc-l5VOHDwlxxXu" data-pm="normal" data-sstype="layer"><div class="n2-ss-item-content n2-ss-text n2-ow-all"><div class=""><p class="n2-font-a4fa51c0f3b290662480daa4e1f1562e-paragraph ">March, 2024 by <span style="color:red;">Tommy Lee Ruff</span></p>
</div></div></div><div class="n2-ss-layer n2-ow n-uc-A3iho7WnCNLp" data-pm="normal" data-sstype="layer"><div id="n2-ss-6item2" class="n2-font-7b62b381999ed298f1cea0131406ce6e-hover n2-ss-item-content n2-ss-text n2-ow" style="display:block;">This is Misguided Wisdom – Thinking Minus Logic!</div></div><div class="n2-ss-layer n2-ow n-uc-aK32FAB0sODG" data-pm="normal" data-sstype="layer"><div class="n2-ss-item-content n2-ss-text n2-ow-all"><div class=""><p class="n2-font-f44a2cb021560dc77984c4649c04094c-paragraph ">“Page 42 of Tommy’s book has saved me from losing money”</p>
</div></div></div><div class="n2-ss-layer n2-ow n-uc-vbXU3g7OjwvP n2-ss-layer--auto" data-pm="normal" data-sstype="layer"><div class="n2-ss-button-container n2-ss-item-content n2-ow n2-font-b6e3fdb36280b3eed85b29293a41b1bc-link n2-ss-nowrap n2-ss-button-container--non-full-width"><a class="n2-style-8a092113a3d8609ffda2b9f9ebd5471b-heading n2-ow " href="https://www.cseff.com/this-is-misguided-wisdom-thinking-minus-logic/"><div><div>READ MORE</div></div></a></div></div></div></div></div></div></div></div></div></div></div></div><div data-slide-duration="0" data-id="21" data-slide-public-id="2" data-title="Slide 2" class="n2-ss-slide n2-ow n2-ss-slide-21"><div role="note" class="n2-ss-slide--focus" tabindex="-1">Slide 2</div><div class="n2-ss-layers-container n2-ss-slide-limiter n2-ow"><div class="n2-ss-layer n2-ow n-uc-ZQK2y260HPV4" data-sstype="slide" data-pm="default"><div class="n2-ss-layer n2-ow n-uc-1829a52027e79" data-pm="default" data-sstype="content" data-hasbackground="0"><div class="n2-ss-section-main-content n2-ss-layer-with-background n2-ss-layer-content n2-ow n-uc-1829a52027e79-inner"><div class="n2-ss-layer n2-ow n2-ss-layer--block n2-ss-has-self-align n-uc-W5vG5zV3AlRw" data-pm="normal" data-sstype="row"><div class="n2-ss-layer-row n2-ss-layer-with-background n-uc-W5vG5zV3AlRw-inner"><div class="n2-ss-layer-row-inner "><div class="n2-ss-layer n2-ow n-uc-1aebe0c70397a" data-pm="default" data-sstype="col"><div class="n2-ss-layer-col n2-ss-layer-with-background n2-ss-layer-content n-uc-1aebe0c70397a-inner"><div class="n2-ss-layer n2-ow n-uc-0feQ65l0jqfr" data-pm="normal" data-sstype="layer"><div class="n2-ss-item-content n2-ss-text n2-ow-all"><div class=""><p class="n2-font-a4fa51c0f3b290662480daa4e1f1562e-paragraph ">March, 2024 by <span style="color:red;">Tommy Lee Ruff</span></p>
</div></div></div><div class="n2-ss-layer n2-ow n-uc-3RWWdnqSFg2D" data-pm="normal" data-sstype="layer"><div id="n2-ss-6item6" class="n2-font-7b62b381999ed298f1cea0131406ce6e-hover n2-ss-item-content n2-ss-text n2-ow" style="display:block;">Infinite Banking is awesome!</div></div><div class="n2-ss-layer n2-ow n-uc-MDnXMKv5t8i5" data-pm="normal" data-sstype="layer"><div class="n2-ss-item-content n2-ss-text n2-ow-all"><div class=""><p class="n2-font-70276c0e8675914e88527927759415c0-paragraph ">You need to read chapter 5 Pages 55-82 of Tommy’s book. Privatized Family Banking (PFB),</p>
</div></div></div><div class="n2-ss-layer n2-ow n-uc-3JgqMPeLhQPO n2-ss-layer--auto" data-pm="normal" data-sstype="layer"><div class="n2-ss-button-container n2-ss-item-content n2-ow n2-font-b6e3fdb36280b3eed85b29293a41b1bc-link n2-ss-nowrap n2-ss-button-container--non-full-width"><a class="n2-style-8a092113a3d8609ffda2b9f9ebd5471b-heading n2-ow " href="https://www.cseff.com/privatized-family-banking/"><div><div>READ MORE</div></div></a></div></div></div></div></div></div></div></div></div></div></div></div><div data-slide-duration="0" data-id="24" data-slide-public-id="3" data-title="Slide 2" class="n2-ss-slide n2-ow n2-ss-slide-24"><div role="note" class="n2-ss-slide--focus" tabindex="-1">Slide 2</div><div class="n2-ss-layers-container n2-ss-slide-limiter n2-ow"><div class="n2-ss-layer n2-ow n-uc-6zTQ6cpXke0m" data-sstype="slide" data-pm="default"><div class="n2-ss-layer n2-ow n-uc-sd12bZwJmxAQ" data-pm="default" data-sstype="content" data-hasbackground="0"><div class="n2-ss-section-main-content n2-ss-layer-with-background n2-ss-layer-content n2-ow n-uc-sd12bZwJmxAQ-inner"><div class="n2-ss-layer n2-ow n2-ss-layer--block n2-ss-has-self-align n-uc-m8kyC3LWacEM" data-pm="normal" data-sstype="row"><div class="n2-ss-layer-row n2-ss-layer-with-background n-uc-m8kyC3LWacEM-inner"><div class="n2-ss-layer-row-inner "><div class="n2-ss-layer n2-ow n-uc-3G7ZVU4Rr0ia" data-pm="default" data-sstype="col"><div class="n2-ss-layer-col n2-ss-layer-with-background n2-ss-layer-content n-uc-3G7ZVU4Rr0ia-inner"><div class="n2-ss-layer n2-ow n-uc-Moa4dL9jmzxU" data-pm="normal" data-sstype="layer"><div class="n2-ss-item-content n2-ss-text n2-ow-all"><div class=""><p class="n2-font-a4fa51c0f3b290662480daa4e1f1562e-paragraph ">March, 2024 by <span style="color:red;">Tommy Lee Ruff</span></p>
</div></div></div><div class="n2-ss-layer n2-ow n-uc-iRPbYnyAkf7A" data-pm="normal" data-sstype="layer"><div id="n2-ss-6item10" class="n2-font-7b62b381999ed298f1cea0131406ce6e-hover n2-ss-item-content n2-ss-text n2-ow" style="display:block;">No probate – No problem</div></div><div class="n2-ss-layer n2-ow n-uc-Ct6qbRWEJSoY" data-pm="normal" data-sstype="layer"><div class="n2-ss-item-content n2-ss-text n2-ow-all"><div class=""><p class="n2-font-83f11fc91d2990afdf4eb1fe48b8305f-paragraph ">Read chapter three (pages 46-51) of Tommy’s book</p>
</div></div></div><div class="n2-ss-layer n2-ow n-uc-1eDGlKgdk1Cu n2-ss-layer--auto" data-pm="normal" data-sstype="layer"><div class="n2-ss-button-container n2-ss-item-content n2-ow n2-font-b6e3fdb36280b3eed85b29293a41b1bc-link n2-ss-nowrap n2-ss-button-container--non-full-width"><a class="n2-style-8a092113a3d8609ffda2b9f9ebd5471b-heading n2-ow " href="https://www.cseff.com/estate-planning/"><div><div>READ MORE</div></div></a></div></div></div></div></div></div></div></div></div></div></div></div> </div>
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<h1 class="wp-block-heading nfd-text-xl nfd-text-current md:nfd-no-br has-text-align-center has-x-large-font-size nfd-wb-animate nfd-wb-fade-in-top-short">Tommy L. Ruff<strong>, </strong>CLU® ChFC®</h1>
<h6 class="wp-block-heading nfd-text-xl nfd-text-current md:nfd-no-br has-text-align-center has-primary-color has-text-color has-link-color has-medium-font-size nfd-wb-animate nfd-wb-twist-in wp-elements-4a72500b0b2d7f0c6690c6dac5ddf610"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-primary-color">Master Certified Estate Planner </mark>™</h6>
<h2 class="wp-block-heading has-text-align-center has-medium-font-size"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color">“40 Years of Experience”</mark></h2>
<h2 class="wp-block-heading has-text-align-center has-medium-font-size"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color">Creating Wealth and Keeping It in the Family is My Mission.</mark></h2>
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<h3 class="wp-block-heading has-text-align-center nfd-wb-animate nfd-wb-fade-in-bottom"><strong> I am a licensed insurance agent in the following States:<mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color"> </mark></strong></h3>
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<h2 class="wp-block-heading has-text-align-center nfd-wb-animate nfd-wb-twist-in"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color">OK Ins. Lic. #74428<br>AR Ins. Lic. # 833538</mark><br><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color">MO Ins. Lic. # 0168819</mark><br> <mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color">TX Ins. Lic. # 1587724 </mark></h2>
<h2 class="wp-block-heading has-text-align-center"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color">TN Ins. Lic. # 1026364 </mark></h2>
<h2 class="wp-block-heading has-text-align-center"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color"> </mark><br><strong><a href="tel:870-391-9221">870-391-9221</a><br>[email protected]</strong></h2>
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<h3 class="wp-block-heading has-text-align-center"><strong>“Make a difference in someone´s life today”</strong> <strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-primary-color">TLR</mark></strong></h3>
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<h2 class="wp-block-heading has-text-align-center"><strong>“Plan for tomorrow, because tomorrow is here before you know it” <mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-primary-color">TLR</mark></strong></h2>
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<h3 class="wp-block-heading nfd-text-xl nfd-text-current md:nfd-no-br"><strong>Generation to Generation</strong></h3>
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<h3 class="wp-block-heading nfd-text-xl nfd-text-current md:nfd-no-br">Teaching Families and Business Owners Common Sense Financial Concepts to Overcome the Economic Challenges of Tomorrow. <strong> </strong></h3>
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<h2 class="wp-block-heading has-text-align-center"><strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color">Call 844-906-0606 to schedule a time for us to have a conversation.</mark></strong></h2>
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<h1 class="wp-block-heading has-text-align-center"><strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-base-color">“If your current advisor does not guarantee the following:</mark></strong></h1>
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<li class="has-medium-font-size"><strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-base-color"><strong> Your retirement account will never again lose value do to market corrections.</strong> </mark></strong></li>
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<li class="has-medium-font-size"><strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-base-color"><strong>And your retirement account will never be charged a management fee or commission.</strong></mark></strong></li>
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<h1 class="wp-block-heading has-text-align-center"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-base-color"><strong>Give me a call @ 870-391-9221.</strong></mark></h1>
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<p class="has-text-align-left">I have learned over the last four decades the secrets of making sure people never lose money in the markets while eliminating those small management fees that rob a large portion of a person’s retirement account.</p>
<p class="has-text-align-left"><br>Wouldn’t you agree with me that the Constitution of the United States and the Bible are the two most important documents that have ever been written? I am convinced that a financial or estate plan that is not written and then reviewed annually is a waste of time and money.</p>
<p class="has-text-align-left"><br>This is why I do not believe in the financial planning process that is being presented to the American public today. Because most are based on assumptions and projections that rarely ever come to fruition.”.<br></p>
<h1 class="wp-block-heading nfd-text-xl nfd-text-current md:nfd-no-br has-text-align-left has-large-font-size">Tommy L. Ruff<strong>, </strong>CLU® ChFC®</h1>
<p class="wp-block-heading nfd-text-xl nfd-text-current md:nfd-no-br has-text-align-left has-primary-color has-text-color has-link-color has-large-font-size wp-elements-a7262ec2bca191c175b9e7d82e8d6dc8"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-primary-color">Master Certified Estate Planner </mark>™</p>
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<h1 class="wp-block-heading has-text-align-center">Financial Strategies – Practice Areas<br><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color">My mission for the past forty 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.</mark></h1>
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<h3 class="nfd-text-lg wp-block-heading has-text-align-center"><strong> Privatize Family Banking</strong></h3>
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<h2 class="wp-block-heading has-text-align-center"><mark style="background-color:rgba(0, 0, 0, 0);color:#050505" class="has-inline-color">Creating your personal privatized bank is important for creating tax-free income.</mark></h2>
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<h1 class="nfd-text-lg wp-block-heading has-text-align-center"><strong>Estate Planner</strong></h1>
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<h2 class="wp-block-heading has-text-align-center"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color">Avoid the Probate courts and other predators of one’s estate.</mark></h2>
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<h3 class="nfd-text-lg wp-block-heading has-text-align-center"><strong>Retirement Planning</strong></h3>
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<h2 class="wp-block-heading has-text-align-center"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-contrast-color">Creating tax-free income while eliminating market losses and management fees.</mark></h2>
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<div class="wp-block-cover has-custom-content-position is-position-bottom-left" style="padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:500px;aspect-ratio:unset;"><span aria-hidden="true" class="wp-block-cover__background has-background-dim-60 has-background-dim wp-block-cover__gradient-background has-background-gradient" style="background:linear-gradient(0deg,rgb(0,0,0) 24%,rgba(255,255,255,0) 54%)"></span><img data-recalc-dims="1" loading="lazy" decoding="async" width="1272" height="1920" data-attachment-id="447" data-permalink="https://www.cseff.com/home/hands-4907214_1920/" data-orig-file="https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/hands-4907214_1920.jpg?fit=1272%2C1920&ssl=1" data-orig-size="1272,1920" data-comments-opened="0" data-image-meta="{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"}" data-image-title="hands-4907214_1920" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/hands-4907214_1920.jpg?fit=265%2C400&ssl=1" data-large-file="https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/hands-4907214_1920.jpg?fit=530%2C800&ssl=1" class="wp-block-cover__image-background wp-image-447" alt="" src="https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/hands-4907214_1920.jpg?resize=1272%2C1920&ssl=1" data-object-fit="cover" srcset="https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/hands-4907214_1920.jpg?w=1272&ssl=1 1272w, https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/hands-4907214_1920.jpg?resize=265%2C400&ssl=1 265w, https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/hands-4907214_1920.jpg?resize=530%2C800&ssl=1 530w, https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/hands-4907214_1920.jpg?resize=768%2C1159&ssl=1 768w, https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/hands-4907214_1920.jpg?resize=1018%2C1536&ssl=1 1018w" sizes="auto, (max-width: 1000px) 100vw, 1000px" /><div class="wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow">
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<p class="nfd-text-lg"><strong><strong>KNOWLEDGE </strong></strong></p>
<p class="nfd-text-base">that will lead you to life transforming knowledge on the subject matter of personal finance.</p>
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<div class="wp-block-cover has-custom-content-position is-position-bottom-left" style="padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:500px;aspect-ratio:unset;"><span aria-hidden="true" class="wp-block-cover__background has-background-dim-60 has-background-dim wp-block-cover__gradient-background has-background-gradient" style="background:linear-gradient(0deg,rgb(0,0,0) 24%,rgba(255,255,255,0) 54%)"></span><img data-recalc-dims="1" loading="lazy" decoding="async" width="1920" height="1280" data-attachment-id="448" data-permalink="https://www.cseff.com/home/success-2029803_1920/" data-orig-file="https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/success-2029803_1920.jpg?fit=1920%2C1280&ssl=1" data-orig-size="1920,1280" data-comments-opened="0" data-image-meta="{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"}" data-image-title="success-2029803_1920" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/success-2029803_1920.jpg?fit=400%2C267&ssl=1" data-large-file="https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/success-2029803_1920.jpg?fit=800%2C533&ssl=1" class="wp-block-cover__image-background wp-image-448" alt="" src="https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/success-2029803_1920.jpg?resize=1920%2C1280&ssl=1" data-object-fit="cover" srcset="https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/success-2029803_1920.jpg?w=1920&ssl=1 1920w, https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/success-2029803_1920.jpg?resize=400%2C267&ssl=1 400w, https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/success-2029803_1920.jpg?resize=800%2C533&ssl=1 800w, https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/success-2029803_1920.jpg?resize=768%2C512&ssl=1 768w, https://i0.wp.com/www.cseff.com/wp-content/uploads/2024/03/success-2029803_1920.jpg?resize=1536%2C1024&ssl=1 1536w" sizes="auto, (max-width: 1000px) 100vw, 1000px" /><div class="wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow">
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<p class="nfd-text-lg"><strong><strong>EXPERIENCE</strong></strong></p>
<p class="nfd-text-base">Let my years of experience and understanding of current events help you prepare for a better future.</p>
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<h2 class="nfd-text-lg wp-block-heading has-text-align-left"><strong><strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-base-color">FINANCE</mark></strong></strong></h2>
<h2 class="nfd-text-base wp-block-heading has-text-align-left"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-base-color">When you understand the rules of the money game and you are exposed to what is really going on concerning your coveted estate that you and your family have worked so hard to create, then and only then, will you be fully equipped to make better economic choices.</mark></h2>
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<h2 class="nfd-text-huge nfd-text-current md:nfd-no-br wp-block-heading has-text-align-center">Our Customers Said</h2>
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<div class="wp-block-column is-vertically-aligned-top is-layout-flow wp-container-core-column-is-layout-8a368f38 wp-block-column-is-layout-flow">
<div class="nfd-bg-gray-100 wp-block-group has-black-color has-text-color is-layout-constrained wp-container-core-group-is-layout-9189e9f8 wp-block-group-is-layout-constrained" style="border-radius:4px;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px">
<div class="wp-block-group is-layout-constrained wp-container-core-group-is-layout-4474b0c1 wp-block-group-is-layout-constrained">
<p class="nfd-text-md"><strong>“Banking”</strong></p>
<div class="nfd-text-opacity-80 wp-block-group is-layout-constrained wp-block-group-is-layout-constrained">
<p class="">Tommy<br>Thank you for introducing us to privatized family banking!</p>
<p class="nfd-text-opacity-80"></p>
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<p class="nfd-text-md has-text-color" style="color:#fab906">★ ★ ★ ★ ★</p>
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<h3 class="wp-block-heading has-text-align-left">— Randy & Marlene Aylor.</h3>
<h5 class="wp-block-heading">Springfield, MO.</h5>
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<div class="wp-block-group is-layout-constrained wp-container-core-group-is-layout-4474b0c1 wp-block-group-is-layout-constrained">
<p class="nfd-text-md"><strong>“Program Retirement”</strong></p>
<div class="nfd-text-opacity-80 wp-block-group is-layout-constrained wp-block-group-is-layout-constrained">
<p class="">We would recommend tommy ruff to anyone who has a retirement program and who is concerned with losing money or paying fees.</p>
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<p class="nfd-text-md has-text-color" style="color:#fab906">★ ★ ★ ★ ★</p>
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<p class=""></p>
<p class=""></p>
<h3 class="wp-block-heading has-text-align-left">— Dr Joel Chaey</h3>
<h5 class="wp-block-heading">Springfield, MO</h5>
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<div class="nfd-bg-gray-100 wp-block-group has-black-color has-text-color is-layout-constrained wp-container-core-group-is-layout-9189e9f8 wp-block-group-is-layout-constrained" style="border-radius:4px;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px">
<div class="wp-block-group is-layout-constrained wp-container-core-group-is-layout-4474b0c1 wp-block-group-is-layout-constrained">
<p class="nfd-text-md"><strong>“Financial Class”</strong></p>
<div class="nfd-text-opacity-80 wp-block-group is-layout-constrained wp-block-group-is-layout-constrained">
<p class="">I cannot believe how much i learned from your ” Common Sense Economics” Financial Class.</p>
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<p class="nfd-text-md has-text-color" style="color:#fab906">★ ★ ★ ★ ★</p>
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<p class=""></p>
<p class=""></p>
<p class=""></p>
<h3 class="wp-block-heading has-text-align-left">— Diane Harsfield, CPA</h3>
<h4 class="wp-block-heading">Rogers, AR</h4>
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<h2 class="nfd-text-huge nfd-text-current md:nfd-no-br wp-block-heading has-text-align-center">You should be able to answer this questions:</h2>
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<div class="wp-block-group is-layout-flow wp-container-core-group-is-layout-634f0b9d wp-block-group-is-layout-flow">
<div class="nfd-text-base wp-block-columns is-layout-flex wp-container-core-columns-is-layout-13e2ef3f wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<div class="nfd-h-full nfd-bg-gray-100 wp-block-group has-black-color has-text-color is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-009c55f8 wp-block-group-is-layout-constrained" style="border-radius:8px;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px">
<div class="wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-94755ad4 wp-block-group-is-layout-constrained">
<p class="nfd-text-xl nfd-text-primary has-text-align-center" style="font-style:normal;font-weight:300;letter-spacing:2px">01</p>
</div>
<div class="nfd-text-opacity-80 wp-block-group is-layout-constrained wp-block-group-is-layout-constrained">
<p class=""><strong>Do you know what rate of return you must earn on your current investments to sustain your current lifestyle after you retire?</strong></p>
</div>
</div>
</div>
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<div class="nfd-h-full wp-block-group has-black-color has-white-background-color has-text-color has-background is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-009c55f8 wp-block-group-is-layout-constrained" style="border-radius:8px;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px">
<div class="wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-94755ad4 wp-block-group-is-layout-constrained">
<p class="nfd-text-xl nfd-text-primary has-text-align-center" style="font-style:normal;font-weight:300;letter-spacing:2px">02</p>
</div>
<div class="nfd-text-opacity-80 wp-block-group is-layout-constrained wp-block-group-is-layout-constrained">
<p class="has-foreground-color has-text-color"><strong>Do you know how much you need to be saving right now to fund your retirement years?</strong></p>
</div>
</div>
</div>
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<div class="nfd-h-full nfd-bg-gray-100 wp-block-group has-black-color has-text-color is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-009c55f8 wp-block-group-is-layout-constrained" style="border-radius:8px;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px">
<div class="wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-94755ad4 wp-block-group-is-layout-constrained">
<p class="nfd-text-xl nfd-text-primary has-text-align-center" style="font-style:normal;font-weight:300;letter-spacing:2px">03</p>
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<p class=""><strong>Is your retirement account insured from market losses, fees, and commissions?</strong></p>
</div>
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</div>
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<div class="nfd-text-base wp-block-columns is-layout-flex wp-container-core-columns-is-layout-13e2ef3f wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<div class="nfd-h-full wp-block-group has-black-color has-white-background-color has-text-color has-background is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-009c55f8 wp-block-group-is-layout-constrained" style="border-radius:8px;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px">
<div class="wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-94755ad4 wp-block-group-is-layout-constrained">
<p class="nfd-text-xl nfd-text-primary has-text-align-center" style="font-style:normal;font-weight:300;letter-spacing:2px">04</p>
</div>
<div class="nfd-text-opacity-80 wp-block-group is-layout-constrained wp-block-group-is-layout-constrained">
<p class=""><strong>How long will you have to continue working after your ideal retirement date?</strong></p>
</div>
</div>
</div>
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<div class="nfd-h-full nfd-bg-gray-100 wp-block-group has-black-color has-text-color is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-009c55f8 wp-block-group-is-layout-constrained" style="border-radius:8px;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px">
<div class="wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-94755ad4 wp-block-group-is-layout-constrained">
<p class="nfd-text-xl nfd-text-primary has-text-align-center" style="font-style:normal;font-weight:300;letter-spacing:2px">05</p>
</div>
<div class="nfd-text-opacity-80 wp-block-group is-layout-constrained wp-block-group-is-layout-constrained">
<p class=""><strong>Have you factored inflation into your retirement calculations?</strong></p>
</div>
</div>
</div>
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<div class="nfd-h-full wp-block-group has-black-color has-white-background-color has-text-color has-background is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-009c55f8 wp-block-group-is-layout-constrained" style="border-radius:8px;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px">
<div class="wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-94755ad4 wp-block-group-is-layout-constrained">
<p class="nfd-text-xl nfd-text-primary has-text-align-center" style="font-style:normal;font-weight:300;letter-spacing:2px">06</p>
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<p class=""><strong>Are your assets protected from Probate and other outside predators?</strong></p>
</div>
</div>
</div>
</div>
</div>
<div class="nfd-container nfd-my-0 nfd-p-lg nfd-bg-gray-100 wp-block-group alignfull has-black-color has-text-color is-layout-flow wp-container-core-group-is-layout-330ce275 wp-block-group-is-layout-flow">
<div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-269740e5 wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-container-core-column-is-layout-1a0eff7f wp-block-column-is-layout-flow">
<p class="nfd-text-xl nfd-text-primary has-text-align-center" style="font-style:normal;font-weight:300;letter-spacing:2px">07</p>
<div class="nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-constrained wp-block-group-is-layout-constrained">
<p class="has-text-align-left"><strong>Do you know how to become Tax-Free instead of the Perfect Tax Payor?</strong></p>
</div>
</div>
<div class="wp-block-column is-layout-flow wp-container-core-column-is-layout-1a0eff7f wp-block-column-is-layout-flow">
<p class="nfd-text-xl nfd-text-primary has-text-align-center" style="font-style:normal;font-weight:300;letter-spacing:2px">08</p>
<div class="nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-constrained wp-block-group-is-layout-constrained">
<p class="has-text-align-center"><strong>Have you factored inflation into your retirement calculations</strong>, <strong>What percentage rate are you using?</strong></p>
<p class="has-text-align-center"></p>
</div>
</div>
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<p class="nfd-text-xl nfd-text-primary has-text-align-center" style="font-style:normal;font-weight:300;letter-spacing:2px">09</p>
<div class="nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-constrained wp-block-group-is-layout-constrained">
<p class="has-text-align-center"><strong>At your retirement, should your account value be less than you had anticipated, what hobbies or other lifestyle pleasures will you be required to surrender to ensure that you never run out of money during your lifetime? </strong></p>
</div>
</div>
</div>
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