Market risk
How market volatility, sequence-of-returns risk and the timing of gains and losses can influence long-term retirement outcomes.
The New Holistic Retirement
Help clients identify the emerging risks facing today's savers - and how to overcome them
The New Holistic Retirement shows clients how market conditions, taxes, longevity and legislation work together against a plan that looks fine on paper.
Today's savers face risks that did not exist a generation ago. The New Holistic Retirement helps readers understand how market conditions, tax policy, longevity and legislative change can work together to challenge even a well-funded retirement plan.
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by hundreds of independent advisors
What clients will understand after reading
The New Holistic Retirement
Tax risk
How the tax treatment of different accounts affects retirement income, and why the difference between tax-deferred and tax-free strategies matters more as tax policy changes.
Longevity risk
Why a longer retirement means more exposure to every other risk, and how clients can plan for income that needs to last decades into the future.
A new approach
Why looking at market risk, tax risk and longevity risk together can lead to a stronger retirement plan than addressing each one separately.
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 help advisors nurture leads and add value to client relationships by being:
Clear and conversational
The book uses relatable stories and practical examples instead of technical explanations.
Focused enough to finish
Designed to be read in under 90 minutes, making it 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 guides readers toward a personal review with a qualified financial professional like you.
Market, tax & policy guidance for your clients
Marty, Becky & Neil help readers connect complex financial concepts to practical steps they can take with the help of a financial professional like you.
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. As founder of Stonewood Financial, he realized his vision of using actuarial insights to structure strategies that address new and emerging risks for American savers.
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. Her attention to the intersection of tax policy and saving habits turned her toward the needs of today's retirees, and she brings that policy background to The New Holistic Retirement.
Neil Wilding
Neil Wilding
Neil has spent his career at the forefront of consumer financial strategies, working with financial and insurance professionals to align their recommendations with the developing needs of American savers. In analyzing today's market and tax environments, Neil saw the need for a more holistic approach to retirement planning and brings those insights to this book.
Get The New Holistic Retirement 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 the emerging risks facing their retirement and how long-term thinking can help them prepare.
Choose the format that fits your practice, then put The New Holistic Retirement to work across your seminars, follow-up process and client meetings.
Suggested FAQs
Who is The New Holistic Retirement written for? −
It is designed for clients and prospects who are concerned about how today’s market conditions, tax policy and longer lifespans may affect their retirement approach and want to understand how a holistic, long-term strategy can help.
What retirement topics does the book cover? +
The book covers market risk, tax risk, longevity risk, emerging risks from Washington and the economy, sequence-of-returns risk, and the difference between tax-deferred and tax-free approaches.
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.
Who wrote The New Holistic Retirement? +
The book was written by Martin H. Ruby, FSA, Neil Wilding and Becky Ruby Swansburg. Martin brings actuarial expertise and a vision for addressing emerging risks. Neil brings decades of experience in retirement education and consumer financial strategies. Becky brings public-policy insight from her career in Congress and the White House.