



Your Retirement Roadmap: What to Know Before Taking the Next Step
What if the choices you make near retirement matter more than you realize? In this episode of To Your Health and Wealth, Ron Ray explores key considerations that often shape the retirement journey. He breaks down Medicare enrollment windows, practical tax‑planning approaches, and ways to think thro…

Social Security, Pensions & the Myths That Mislead Retirees
What if the retirement you imagine looks nothing like the one you’re headed toward? In this conversation, Ron Ray breaks down the realities many retirees overlook, from how Social Security actually fits into long‑term income to why financial literacy matters more than ever. He and his guest explor…

Retirement Anxiety? Here’s What You’re Missing
Ever wondered why retirement planning feels overwhelming? In this episode of To Your Health and Wealth, Ron Ray dives into the critical factors that shape a secure retirement. From tackling debt and navigating market risks to understanding Medicare enrollment periods, Ron explains why a personaliz…

From Paychecks to Purpose: Rethinking Retirement
Ever wondered what truly makes retirement secure and fulfilling? In this episode of To Your Health and Wealth, Ron Ray dives into why planning isn’t just about numbers, it’s about purpose. He unpacks the dangers of living paycheck to paycheck and explains how shifting to a sustainable income strate…

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…