Structural considerations
How employer contributions, Social Security, contribution limits, access and the design of a saving vehicle can affect their overall retirement approach.
The New Rules of
Retirement Saving
Help active savers ask better questions about saving for retirement.
The New Rules of Retirement Saving shows younger savers why today's 401(k)s and IRAs may not fit tomorrow's tax and market environment, and how tax-free strategies can help them save with confidence.
Do you have clients actively saving for their future? Many Americans in their 20s, 30s, 40s and 50s reflexively save in today’s popular tax-deferred accounts: 401(k)s, IRAs, 403(b)s. But could there be a better way - one that meets the needs of today’s market, tax code, and legislative environment?
The New Rules of Retirement Saving helps your prospect understand the unique needs of today’s savers - and how tax-free approaches including life insurance can help them save with confidence.
copies sold
for client conversations
by hundreds of independent advisors
What clients will understand after reading
The New Rules of Retirement Saving
Market considerations
How market participation can support growth, while volatility and the timing of losses may influence long-term results.
Tax considerations
The difference between tax-deferred and tax-free approaches, and why the tax status of an account matters when retirement income begins.
Longevity considerations
Why clients should think beyond a retirement date and consider how long their assets may need to provide income.
Written to be read, remembered and discussed
Stonewood books are designed to make complex retirement topics easier for clients to understand. This book was written to nurture leads and enhance client value by being:
Clear and conversational
The book uses relatable stories and practical examples instead of technical explanations.
Focused enough to finish
Stonewood books are designed to be read in under 90 minutes, making them useful before a meeting, after a seminar or during a follow-up sequence.
Built around better questions
Readers finish with a framework they can use to discuss their accounts, taxes, market exposure and retirement timeline with an advisor.
Ready for follow-through
The narrative naturally points readers toward the need for a personal review with a qualified financial professional like you.
An actuarial framework supported by
policy and market experience
Martin H. Ruby, FSA
Martin H. Ruby, FSA
Martin brings an actuary’s approach to identifying and evaluating financial risk, making actuarial thinking more accessible in everyday retirement conversations.
Becky Ruby Swansburg
Becky Ruby Swansburg
Becky brings a deep public-policy perspective, shaped by her work on tax and retirement issues on Capitol Hill and in the White House.
Neil Wilding
Neil Wilding
Neil brings extensive experience in retirement markets as one of the nation’s experts in client and advisor retirement education.
Together, they help readers connect complex financial concepts to targeted actions they can take with the assistance of a financial professional like you.
Get The New Rules of Retirement Saving your way
Buy on Amazon
Purchase the standard public edition for an individual reader, client or personal review.
Customize for your practice
Put your name on the cover as author of the pre-written foreword. Add your photo and bio to the back cover and your contact information inside the book.
The $1,299 customization package includes your first 50 copies.
Use the digital edition
Share a password-protected version through email campaigns, social media, webinars and online book offers.
A digital subscription is $150 for a 30-day license and can be used with the standard or customized edition.
Order copies in bulk
Keep books ready for seminars, prospect mailings, client reviews and referral conversations.
Bulk copies are currently available for $14.99 per book plus shipping.
Start your next retirement conversation with ease.
Give clients a clear, approachable way to understand how they are saving and what questions they may want to ask next.
Choose the format that fits your practice, then put The New Rules of Retirement Saving to work across your seminars, follow-up process and client meetings.
Suggested FAQs
Who is The New Rules of Retirement Saving written for? −
It is best suited to active savers who are still accumulating retirement assets and want to better understand how account structure, market exposure, tax treatment and longevity may affect their strategy.
What retirement topics does the book cover? +
The book discusses structural risk, market risk, tax risk, longevity risk, retirement account choices, Section 7702 and indexed universal life insurance.
Can a financial advisor customize the book? +
Yes. The custom edition includes the advisor’s name on the cover as author of the pre-written foreword, along with their photo, biography and contact information.
Is a digital edition available? +
Yes. Advisors can subscribe to a password-protected digital edition for use in email campaigns, social media, webinars and online lead generation.
Can advisors order books for seminars or client meetings? +
Yes. Bulk copies can be ordered for seminars, prospect mailings, annual reviews and other client education uses.