Renee Ruff, CFP®
Federal Benefits Expert

Building long-lasting relationships with her clients, Renee is committed to helping Federal Employees achieve their goals. Securing client’s retirement and legacy, Renee goes the distance.


Renee is passionate about helping Federal Pre-Retirees and Retirees attain financial freedom.

“Financial freedom is having
dependable income that will last
for your entire life, while avoiding
excessive and unnecessary risks.”

As a Certified Financial Planner™ and Federal Retirement Consultant with 30-years in the financial industry, I am able to help clients articulate their goals for retirement: income, asset preservation, accumulation and legacy.

Raised in Cincinnati, Ohio, Renee embodies the high-service, high-integrity values that she experienced early and remain the bedrock of all she does. Renee enjoys building and maintaining long-lasting relationships with her clients and their families.

“I understand federal retirement
benefits and options, and have my
client’s back when it comes to helping
them secure the strong future they deserve.”

Certified - Federal Consultant - Heidi Smalley

Trained to OPM Standards
Certified & Highly Rated

Licensed and Reliable - Heidi Smalley

Licensed & Reliable
30-Years Experience

Renee Ruff is a National Security Advisor, NSSA, with a Securities 65 Professional Certification.


This certification focuses on securities law (the Uniform Securities Act) and ethics - including certification in economics, investment vehicles, investment strategies, analysis, and ethics and best practices within the financial services.

Renee is licensed to do business in all 50 states. She gets top reviews from her clients for bringing her knowledgeable, consultative, transparent, no cost approach which earns her the trust of colleagues and clients alike. Renee goes the distance, ensuring best outcomes and remaining engaged for the duration. Renee is there for you.

Serving all 50 States

Book a 15-Minute Appointment with Renee

A huge help to Federal Employees as they review their benefits and reach retirement goals, Michael is a dedicated professional who strongly believes that it’s never too early nor too late to start planning for your future

Federal Benefits
Know Your Options | Complimentary Consult