The No-Compromise Retirement Plan: Overcoming the Compromises in Your IRA to Live a Happier Retirement

Market conditions and increasing lifespans have left many savers with uncomfortable decisions when it comes to retirement. Compromise has become a necessity in financial planning. But it doesn’t have to be that way. "The No-Compromise Retirement Plan" is an innovative, analysis-based approach to overcoming the three biggest compromises you’re making today, so you can live the happy retirement you deserve tomorrow.

Martin Ruby is founder and CEO of Stonewood Financial. A seasoned financial industry executive, Martin has decades of experience developing, pricing and selling insurance products, and managing strategic corporate growth. With an actuary background, Martin wanted to use his actuarial expertise to help clients rather than big financial institutions. In 2001, he founded a retail annuity and insurance practice and began marketing indexed universal life insurance solutions. His strategies proved so popular that other financial advisors began asking Marty to help them as they added IUL to their practices. In response, Martin founded Stonewood Financial in 2013 to help advisors grow their practices with innovative marketing strategies, customized proposal tools, and software that helps clients better understand the value of their strategies. Prior to founding Stonewood, Martin served as CEO of Integrity Life Insurance Companies, where he led the growth of a successful retail annuity business, cutting-edge technology platforms, and innovative product development. He has also served as head of the Life and Annuity Industry Group for Channel Point Technology, and in several senior executive positions for Capital Holding Corporation (now part of AEGON). Martin is a Fellow of the Society of Actuaries (FSA). He holds an MBA from Bellarmine College and a B.S. from Purdue University. A dedicated community leader, Martin has served on numerous boards in the Greater Louisville region. His service includes Chairman of the Board of Trustees for Jewish Hospital, and President of the Board of Trustees for both the Temple Adath Israel Brith Sholom and the Louisville Jewish Community Center. Martin has also served on the boards of the Louisville Fund for the Arts and Louisville Metro United Way. Martin is the author of multiple industry white papers, as well as his first book "The New Rules of Retirement Saving: The Risks No One Is Telling You About... And How to Fix Them."