Steven J. Ruffini, CLU®, ChFC®, serves as the Advanced Planning Specialist for Level Four Financial in Atlanta, GA. With over 25 years of experience, Steve offers significant expertise in the areas of wealth transfer, business continuation, retirement, and family asset protection. He is well equipped to recommend and implement strategies to meet the complex needs of high net worth clients.
He has a successful track record of working with insurance products in multiple capacities. Prior to joining Level Four, Steve has represented several highly-rated insurance companies, such as AIG American General, John Hancock, and MetLife. He also worked as a captive agent for Federated, he where became an expert in the use of insurance products for estate planning and business continuation planning for small businesses. While at American Express Financial Services, he worked with high net worth clients providing comprehensive planning for their income needs, wealth accumulation, wealth transfer, eldercare, and estate protection. Steve has also worked with financial advisors in the institutional space for several years. During this time he gained a wealth of experience in providing insurance solutions to help advisors and their clients maximize their potential. Steve holds the insurance designations of Chartered Life Underwriter® (CLU®) and Chartered Financial Consultant® (ChFC®) from the American College. He is a licensed registered representative and also holds a Life, Accident & Health, and Variable Insurance License in the state of Georgia. Steve is not affiliated with Level Four Advisory Services., LLC.
Steve and his wife reside in Roswell, Georgia. He has been married to his wife, Kay, for 32 years, and they have two children, Neil and Lauren. Steve is involved as a mentor with the Big Brothers & Big Sisters of Metro Atlanta.