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Martin Ruby, FSA

Martin Ruby, FSA is an actuarial retirement risk speaker and an expert in mitigating risk. He brings fresh thinking to financial strategy and product design, from income approaches to tax diversification, so advisors can protect and position client assets for the long term.
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Martin Ruby, FSA Martin Ruby, FSA

About Martin

Martin Ruby, FSA is a Fellow of the Society of Actuaries and the Founder and Chairman of Stonewood Financial. Where most retirement speakers draw on sales experience, Martin draws on the math: the same actuarial models carriers use to price the income products advisors sell.

As an actuary and an expert in mitigating risk, Martin brings fresh thinking to financial strategy and product design, from income approaches to tax diversification. His sessions focus on new ideas to help protect and position retirement assets for the long term, whatever future market and tax conditions may bring.

His work has shaped the actuarial models behind Stonewood's Roth Done Right, Annuity Alpha, and Legacy Done Right software, used in more than 214,000 advisor-client meetings. On stage, he translates that same product design and longevity risk thinking into ideas advisors can use immediately.

Signature Speaking Topics

Annuity Product Design, Explained

How income products are actually priced and built, and what that means for how advisors should position them to clients.

Retirement Income Strategy: An Actuary's View

A longevity risk framework for structuring income that holds up across a 30-year retirement, not just a 30-year plan on paper.

Tax Diversification as Risk Management

Treating tax exposure like any other risk on a client's balance sheet, and diversifying against it the same way.

Session Formats

Keynote addresses

High impact presentations on product design, longevity risk, and retirement income, built for large advisor audiences.

Advisor and client presentations

Seminars, workshops, and training sessions built around real world strategies and examples.

Podcast, TV, and media appearances

Audience friendly insights with clear messaging and strong storytelling.

Why Book Martin?

  • Fellow of the Society of Actuaries (FSA), a credential held by a small number of practitioners in North America.
  • Founder and Chairman of Stonewood Financial.
  • Built the actuarial models behind Roth Done Right, Annuity Alpha, and Legacy Done Right, used in 214,000+ advisor-client meetings.
  • Seen on stages hosted by Allianz, Symetra, Pacific Life, Advisors Excel, and other leading carriers and IMOs.

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Frequently Asked Questions

What makes Martin an actuarial retirement risk speaker rather than a product speaker?

He speaks from the pricing and risk models behind the products, not just how to sell them, giving advisors the reasoning behind the recommendation.

His sessions are built primarily for advisor and carrier audiences who want the actuarial reasoning behind income and product design decisions.

Keynote addresses, advisor and client presentations, and podcast, TV, and media appearances, for conferences, carrier trainings, and executive briefings nationwide.