THE NEW HOLISTIC RETIREMENT • i i i overcome these risks and achieve the happy retireme nt you deserve. In fact, consider this book as a roadmap for navigating what comes next. Meet Your Guides H aboowutdtidhethfue ttuhrreeeofaruetthiorerms oefntthsisavbionogk? come together to write Each of us comes from a different background, and we lend th at unique perspective to this boo k. To do this , we ’ll take tur ns wr iti ng c hapters that r ely on o ur v aried e xpertise . Martin Ruby, FSA, is an actuary. The Engl ish w ords “actuary” and “actual” stem from the same Latin root, which connot es “ a stat e of fact” or “that w hich is real.” An actuary is ai n dmu sattrhye mr eal itei cs so netxhpeemr t ,t oaindde n ttihf ey afni ndamn ci tiiagla taenrdi s ki.n s u r a n c e Actuaries certainly have a stereotype: They’re the math geeks of the insur ance industr y. Perha ps you’ve hea rd t he joke: “What is an actuary? A CPA without the personality.” While Marty has more personality than the joke-tellers give him credit for, he is definitely a math geek. H e’s made a career devel oping insurance product s and l eading financia l companies. H e loves numbers because numbers are absolute. Wm uhcehn aa nb ao luytz el idf ec, oer sr pe ce tcliya, l lMy airttsy fbi ne al ine cvieasl nsui dme b. eArns yc af ni n taenl lc iuasl under taking held up to the light of analysis by applied actuari al science will have a much better chance of su cceeding tha n one without su ch benefit . This hol ds doubl y true for retirement planning.
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