Kelly Ruhf, Registered Representative with Nylife Securities LLC

Financial Services Professional offering securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC A licensed Insurance Agency

I am an Agent licensed to sell insurance through New York Life Insurance Company and am licensed with various other independent unaffiliated insurance companies in the state of Virginia, North Carolina and Maryland. No insurance business may be conducted outside these listed states. Additionally, I am a Registered Representative and offer securities products & services through NYLIFE Securities LLC (member FINRA/SIPC), a Licensed Insurance Agency. In this regard, this communication is strictly intended for individuals residing in the states of Virginia and/or North Carolina. No offers may be made or accepted from any resident out the specific states referenced. 4435 Waterfront Dr. Suite 400 Glen Allen, VA 23060 Cell - (804) 767-0181 Office - (804) 935-5300 Fax - (804) 935-5350 I offer a variety of products that can help meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help fully analyze your needs and recommend appropriate solutions. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal or accounting professional before making any decision.

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Your business is about more than the bottom line.

Enjoy downtime this summer by getting your business’ finances in order now.

newyorklife.com Learn how insurance can protect your business and employees with a financial cushion that can provide stability and sustainability.

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Want a different way to save for retirement?

Harness the growth potential of the markets for your retirement savings.

newyorklife.com If you want to invest more for your retirement, but want extra features that can help give you the confidence to invest the way you need to ...

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Want a different way to save for retirement?

Do you want market exposure with some protection against market risk?

newyorklife.com For those who are still saving for retirement, the markets offer growth potential and the opportunities to outpace inflation ‐ which is an important factor ...

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How to spring clean your business' finances.

Spring is a great time to take a step back & analyze your business’ trends so you can plan for the future.

newyorklife.com Spring is in the air and it's the perfect time to get your business affairs in order so you can enjoy the warmer days ahead worry-free. Here are some...

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Business life.

Give your business a fresh start this spring with results-driven tips and insights from business owners.

newyorklife.com As a business owner, you’ve turned your passion into your business and your hard work is paying off. No matter what type of business you own, how small, or...

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Want a different way to save for retirement?

Are you on track to retire on your terms?

newyorklife.com Most individuals understand the risks of investing. But did you know there are risks of not investing, or being underinvested ..

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You fell in love with your new home. Now what?

Let's protect your american dream.

Mortage. Utlilities. Taxes. Love doesn’t come with a price tag, but your home certainly does.

[02/20/17]   "He who is not courageous enough to take risks will accomplish nothing in life." ~Muhammad Ali #BlackHistoryMonth

newyorklife.com

Retirement Income and 401(k) Calculator

Your nest egg may be bigger than you think.

newyorklife.com It may surprise you how significant your retirement accumulation may become simply by saving a small percentage of your salary each month in your 401(k) plan...

[01/29/17]   "Good leadership isn't about advancing yourself. It's about advancing your team." ~John C. Maxwell

[01/22/17]   "Always kiss your children goodnight, even if they're already asleep."
~H. Jackson Brown, Jr.

[01/20/17]   The difference between a boss and a leader: a boss says, 'Go!' - a leader says, 'Let's go!'
~E. M. Kelly

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Help secure your grandchildren’s financial future

It’s never too late to give your grandkids a gift that really keeps on giving—life insurance. Let their parents buy the video game system!

newyorklife.com Some folks laughingly say that grandchildren are the reward for having lived through their children’s teen years. As most grandparents will admit, it is a reward worth waiting for.

[01/12/17]   "If opportunity doesn't knock build a door."
~Milton Berle

[01/03/17]   "It is not your customer's job to remember you. It is your obligation and responsibility to make sure they don't have the chance to forget you."
~Patricia Fripp

[12/30/16]   There are three ingredients in the good life: learning, earning and yearning."
~Christopher Morley

[12/26/16]   "Success is the ability to go from failure to failure without losing your enthusiasm."
~Winston Churchill

How to Save $1 Million for Retirement

How to Save $1 Million for Retirement

Think cutting spending will make you rich? See why some experts suggest a different approach.

How to Save $1 Million for Retirement Here's one path to saving $1 million for retirement, and without cutting into current spending.

[12/20/16]   "Success is the culmination of failures, mistakes, false starts, confusion, and the determination to keep going anyway."
~Nick Gleason

Give Life Insurance Policies As Presents?

Give Life Insurance Policies As Presents?

#LifeInsurance may not be as cool as an iPad, but its value will be appreciated well into the future.

Give Life Insurance Policies As Presents? You may not get oohs and aahs. But life insurance policies can be perfect holiday presents.

[12/16/16]   "I had thought the destination was what was important, but it turned out it was the journey." ~Clayton M. Christensen, How Will You Measure Your Life?

[12/13/16]   "Nothing you do for children is ever wasted."
~Garrison Keillor, Leaving Home

[12/11/16]   “Today is always the most productive day of your week.”
~Mark Hunter

A Complete Beginner's Guide to 401(k) Plans

A Complete Beginner's Guide to 401(k) Plans

Don't be intimidated by your workplace retirement plan. Here's the ABCs of 401(k)s.

A Complete Beginner's Guide to 401(k) Plans Since day one, I've been an advocate for people taking advantage of the 401(k) plans offered in their workplace. It is an incredibly useful tool for...

[12/05/16]   When friends and family ask me about leaving a legacy for their children or grandchildren, I simply tell them: Life Insurance — it’s a gift that keeps on giving.

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Location

Telephone

Address


4435 Waterfront Dr, Ste 400
Glen Allen, VA
23060
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