About the Author: Martin H. Ruby, FSA

Martin Ruby, FSA, has made his career helping people like you save smarter, grow their financial wealth, and achieve greater financial security.

As an actuary, Martin is a mathematics specialist focused on identifying, evaluating and eliminating risk. After decades working for financial and insurance institutions, Martin now brings his actuarial expertise to individual savers. He uses his insider knowledge of how financial and insurance products work to structure strategies that maximize benefits for savers.

Now, Martin has used his expertise to develop “The New Rules of Retirement Saving.” Reading this book will give you the knowledge to overcome today’s biggest savings risks and live a happier, more secure retirement.

With Foreward By: Rey Cruz, CFP

Rey Cruz, CFP® is an author, financial educator, Estate and Wealth planning specialist and planned giving consultant to leading local charities. As the Creator of the “Cruzing Into Retirement ™” System, Rey has been helping individuals and families prepare for and enjoy their ideal retirement since 1985. Rey is a member of Ed Slott’s Master Elite IRA Advisor Group. As one of the region’s top wealth and retirement planning specialists, Cruz has been heard on many radio stations throughout Chicago, including WBIG, WIND, WYLL, and others. He is the current Financial Advisor on “The River”, 95.9 FM radio station in the western suburbs of Chicago.