To Your Health & Wealth

Unexpected twists can change your retirement plans. Are you ready?

In this episode of To Your Health and Wealth, Ron Ray explores why flexibility is key when planning for life after work. From navigating Medicare enrollment to understanding how early retirements happen, Ron shares insights that challenge the “set date” mindset. He underscores the importance of starting early and blending modern investment strategies wi...

Is your retirement plan built to weather the headlines, or are you letting daily market noise dictate your future? 

In this episode, Ron Ray cuts through the financial chatter to reveal why the real risk for retirees isn’t the next market dip, but complacency and shortcuts in planning. From the pitfalls of “set-it-and-forget-it” 401(k)s to the dangers of ignoring tax diversification, discover how small decisi...

Will Social Security be there when you retire?

The clock is ticking: the Trust Fund is projected to run dry before 2034, which could slash benefits for millions of retirees. Ron Ray dives into what that looming shortfall means for your future income and why ignoring it could be costly. We break down the numbers, the timeline, and the ripple effects on retirement planning. More importantly, we explore practical steps you can take no...

What if your portfolio is more fragile than you think?

In this episode, Ron Ray will explore how a lack of diversification can quietly expose your investments to correlated risks where one downturn can ripple across your entire financial plan. Through real-world examples and expert insights, we unpack why spreading your assets across different sectors and income sources isn’t just smart, it’s essential. You’ll hea...

What if your retirement plan isn’t ready for life’s curveballs?
In this episode of To Your Health and Wealth, Ron Ray explores the evolving landscape of retirement planning, from the rising costs of healthcare to the strategic role of annuities and spending. He breaks down why today’s market conditions favor annuities, how retirees can approach spending without guilt, and why flexibility is key when life throws...

A $20 drug plan jumping to $70 overnight? That’s just the beginning.

Ron Ray breaks down why 2026 could be the most disruptive year yet for Medicare drug plans. From inflation-driven price hikes to the ripple effects of the Inflation Reduction Act, retirees face steep costs if they don’t act during the annual election period. They also explore how annuities purchased in low-interest eras may underperform compared to tod...

What if your retirement plan is built for yesterday’s economy?
In this episode of To Your Health and Wealth, Ron Ray breaks down how shifting interest rates and market volatility are reshaping retirement planning. From the evolving role of annuities to the critical timing of Medicare decisions, Ron emphasizes why early and informed planning matters more than ever. He also explores how investment strategies should adapt as ...

What happens when a generation’s wealth becomes a legacy challenge?
In this episode of To Your Health and Wealth, Ron Ray explores the massive wealth transfer from baby boomers to their heirs—and why preparation matters more than the money itself. He dives into the critical need for open conversations around inheritance, retirement planning, and healthcare decisions. With Medicare at the center of many retiremen...

What if retirement wasn’t just about money—but about meaning? In this episode, Ron Ray explores the deeper dimensions of retirement planning, urging listeners to look beyond spreadsheets and savings accounts. He breaks down how understanding your expenses, prioritizing health (especially Medicare), and crafting a life rich in memories can redefine what “wealth” truly means. With insights on emotional transit...

In this episode, Ron Ray discusses the critical aspects of financial health and retirement planning, emphasizing the importance of Social Security, effective management of unexpected windfalls, and the necessity of estate planning. He also highlights the often-overlooked tax implications that retirees face, providing insights into how to navigate these challenges for a secure financial future.

Find out more about Ron and the teams,...

What if your retirement plan is missing the one thing that makes it truly yours?
In this episode of To Your Health and Wealth, Ron Ray explores the critical role of personalization in retirement planning. From navigating unexpected expenses to avoiding the “one more year” delay trap, Ron breaks down the real-life challenges that retirees face—and how to think ahead. He also shares insights on optimizing So...

What happens when your retirement plan overlooks the rising cost of healthcare and the complexities of estate planning? In this episode of To Your Health and Wealth, Ron Ray breaks down the often-overlooked essentials of retirement preparation. From avoiding family disputes through smart estate planning to understanding how healthcare expenses can impact your financial future, Ron offers a grounded look at what retirees need t...

What if your retirement plan isn’t as personalized as you think? In this episode, Ron Ray breaks down the real-world impact of market trends on investments and why annuities are gaining traction in today’s financial climate. He explores the four foundational pillars of retirement—healthcare, legacy planning, long-term care, and income—and explains how each plays a role in building a resilient future. With in...

What if your retirement plan isn’t as secure as you think? In this episode of To Your Health and Wealth, Ron Ray breaks down the often-overlooked power of Multi-Year Guaranteed Annuities (MYGAs) and how they can offer stability in uncertain economic times. He explains how shifting interest rates ripple through retirement savings and the broader economy, and why a structured plan is more critical than ever. Ron also unpac...

What if delaying retirement could cost more than you think? In this episode of To Your Health and Wealth, Ron Ray unpacks the emotional and financial layers of retirement planning. From the strategic use of Roth IRAs to managing 401(k)s after job changes, he emphasizes the importance of consistent income and informed decision-making in uncertain markets.

Find out more about Ron and the teams, as well as setting up a compliment...

What if your retirement plan isn’t built to last as long as you do? In this episode of To Your Health and Wealth, Ron Ray explores the often-overlooked risks in financial advising and why a second opinion on your retirement strategy could be more than just a safety net. He breaks down how to balance living well today with preparing for tomorrow, especially in the face of market volatility and shifting Medicare policies. ...

Is Your Retirement Plan Ready for What’s Coming?
In this must-hear episode of To Your Health and Wealth, retirement strategist Ron Ray reveals the critical red flags your financial advisor might be missing—and why ignoring them could cost you big. Discover how to strike the right balance between spending and saving, and why getting a second opinion on your retirement plan is no longer optional in today’s v...

Are you risking your retirement without even knowing it? In this episode, Ron Ray reveals the hidden dangers that could jeopardize your financial future, such as forgotten retirement accounts and unexpected healthcare costs. Discover powerful strategies for long-term care planning and learn how to protect your assets before it’s too late. Don’t let overlooked details sabotage decades of savings. Tune in now to take cont...

What’s the one thing that could quietly wreck your retirement plan? In this episode of To Your Health and Wealth, Ron Ray of Turning 65 Solutions and Homestead Family Wealth breaks down the overlooked pitfalls that can derail even the most prepared retirees. From rising healthcare costs to lifestyle inflation, Ron shares real stories and practical strategies to help you retire with confidence. Plus, learn about upcoming ...