ABOUT THE AUTHORS
Martin H. Ruby, FSA Marti n Ruby is a native of Louisville , Kentucky , where he lives and works. An actuary by profession, Martin serves as founder and CEO of Stonewood Financial. The company delivers actuarial expertise on building and managing wealth. Martin serves as a mento r for financial professional s by addi ng tax-efficient pla nning t o t heir pract ices, a nd he speak s nationally about the importance of tax-free income for today’s retirees. Before starting his own firm, Martin was CEO of a multi- billion-dolla r insura nce a nd annuity company, Integrity Life, where he led the growth of a successf ul retai l annuity
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