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Meet Elizabeth Ruh

Meet Elizabeth Ruh

With over a decade of experience in the financial and legal world, Elizabeth is well known for her hard work and attention to details. Call us today to find out how we can help you personally or with your business.

Tax Preparation

Tax Preparation

Individual Returns
Trust and Estate Returns
Partnership Returns
S-Corp Returns
Payroll Returns

Business Services

Business Services

Full service bookkeeping
Receive your mail
Pay your bills
Invoices and Payroll services.
Tax Payroll Preperation

About Personal Financial Services

Personal Financial Services opened in June of 2009.  We enjoy helping our tax clients plan for their financial goals while collaborating with their financial planner.  The IRS requires we maintain 24 hours of continuing education each year.  PFS often exceeds these requirements each year.

Over the years, we have developed a reputation of handling difficult and complex needs for our fiduciary clients.  We work hard to give our fiduciary clients the best quality of life we can.  We have established strong ties to many community service providers who are essential in helping us achieve this goal.

Tax Returns and Tax Planning.

Our team of experts meets or exceed IRS-mandated continuing education requirements so that we can stay on top of the tax law changes and assist our clients with strategies to take advantage of these changes. You will feel at ease discussing your financial situation with us, as we collaborate creative ways to find a solution that works for you and fits into your busy life.

Fiduciary Services

We have deep roots in the community and enjoy a strong reputation for managing difficult situations and the complex needs of our fiduciary clients and their families. We work hard to give our fiduciary clients the best quality of life possible. We have established strong ties to many community service providers who are essential in helping us achieve this goal.

Elizabeth Ruh – Enrolled Agent and President

Elizabeth is a native of Bloomington, Indiana. She has three children and is currently serving as the Marlin Elementary PTO Treasurer. Elizabeth is active in the community, continually advocating for the elderly and disabled as well as the needs of her fiduciary clients. Elizabeth has been preparing tax returns since 2002 and earned the EA (Enrolled Agent) designation in 2008. As an Enrolled Agent with the IRS, she is a federally authorized tax practitioner who has technical expertise in the field of taxation with over a decade of experience in handling individual returns, trust, and estate returns, and business returns. Elizabeth enjoys spending time with her family, reading, cooking and traveling. She prides herself on working with the community to creatively solve problems, big and small.


Kristin Bell – Office Manager

Kristin works full time as our office manager attending to the needs of our fiduciary clients.   Kristin works full time managing most of the financial needs for our clients.  She oversees bill paying, financial reports, bank reconciliation and many other tasks.

Kristin is originally from Lawrence County. She is currently a resident of Morgan County. She has three children who are involved with travel sports; you will often find Kristin on a ball field somewhere. Kristin has experience working in nursing homes and with the intellectually disabled community. She has always dreamed of becoming a foster parent and believes that working with Guardianship is the next best thing.


Kirsten Wagner – Tax Manager & Executive Assistant
Ellen Pheral – Guardianship Client Care Assistant
Delaney Mullins-Yarwood – Administrative Assistant
Caylan Bray – Administrative Assistant