Tax compromises
How the tax-deferred structure of a traditional IRA or 401(k) can create a retirement tax bill that reduces the usable value of their savings.
The No-Compromise Retirement Plan
Help clients rethink the compromises they are making in their IRA - and show them a better path forward
The No-Compromise Retirement Plan lays out the tax, income and risk compromises in a traditional IRA and introduces a life insurance-based approach to address them.
Market conditions and longer lifespans have left many savers with uncomfortable choices when it comes to retirement. The No-Compromise Retirement Plan introduces an analysis-based approach that uses life insurance to help overcome the three biggest compromises in a traditional IRA.
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by hundreds of top independent advisors
What clients will understand after reading
The No-Compromise Retirement Plan
Income compromises
How withdrawal timing, market performance and required minimum distributions can affect how long retirement income lasts.
Risk compromises
How market risk, tax risk and longevity risk combine to create the compromises many savers accept without realizing it.
A new approach
How properly structured life insurance can offer tax-free income, downside protection, access to funds and a death benefit, and why it may complement a traditional retirement approach.
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.
An actuarial framework supported by
policy and market experience
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
Actuarial mindset meets sales strategy. Martin brings his insider insights to the retirement planning frameworks that power Stonewood tools.
Becky Ruby Swansburg
Becky Ruby Swansburg
Speaker, author and national expert on legislative risk in retirement. Becky develops the sales stories that power Stonewood’s lead gen and client reports.
Get The No-Compromise Retirement Plan 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 better conversations around life insurance in retirement
Give clients a clear, approachable way to understand the compromises in their current retirement approach and what options may be available to them.
Choose the format that fits your practice, then put The No-Compromise Retirement Plan to work across your seminars, follow-up process and client meetings.
Suggested FAQs
Who is The No-Compromise Retirement Plan written for? −
It is designed for clients and prospects who have saved in tax-deferred accounts like IRAs and 401(k)s and want to understand how the compromises in those accounts may affect their retirement income and security.
What retirement topics does the book cover? +
The book covers the four biggest compromises in a traditional IRA: tax risk, income risk, longevity risk and market risk. It also introduces life insurance as an approach that may help address those compromises.
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 No-Compromise Retirement Plan? +
The book was written by Martin H. Ruby, FSA, with Becky Ruby Swansburg and Neil Wilding. Martin brings actuarial expertise and insurance-industry experience. Becky brings public-policy insight from her career in Congress and the White House. Neil brings extensive experience in retirement education and financial strategy.