

Social Security Cuts: Are You Ready?
What happens when your retirement plan overlooks health and longevity? In this episode, Ron Ray delves into the critical pillars of comprehensive retirement planning, healthcare, long-term care, and income strategies. He explores the looming challenges of Social Security and why preparing for poten…

Think You’ll Retire on Your Terms? Think Again.
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 c…

Retirement Planning: Don’t Let Headlines Hijack Your Future
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 pi…

Are You Cheating Yourself Out of a Secure Retirement?
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 do…

To Your Health And Wealth Podcast Episode 37 - 110425
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 un…

Is Your Retirement Plan Built for Real Life?
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 condit…

Why Your $20 Drug Plan Might Cost $70 Next Year
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 durin…

Medicare, Markets & Your Money
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…

Medicare Mistakes That Could Cost You
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 conversati…

Retirement Isn’t Just a Number
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),…