What if your retirement strategy had the same discipline and wisdom as Warren Buffett’s investment approach? In this episode, Ron Ray pulls back the curtain on what it takes to build a secure, confident retirement. From smart risk management to the often-overlooked realities of long-term care planning, Ron explains how small choices today can protect you from big costs tomorrow. He also unpacks the hidden pitfalls in Medicare and insurance decisions—and how to avoid them. This episode is a wake-up call and a roadmap, designed to help you take control, cut waste, and create the retirement you’ve worked so hard for. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth

In this episode, Ron Ray discusses the importance of financial planning for retirement, addressing common concerns such as running out of money and the impact of inflation. He emphasizes the need for guaranteed income through strategies like annuities and Social Security, while also highlighting the significance of simplifying financial plans. Additionally, the conversation touches on the challenges of navigating Medicare and the potential pitfalls of predatory advertising targeting seniors. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth

Ron Ray delves into the intricacies of retirement planning, emphasizing the importance of understanding time management in retirement, the necessity of legacy planning, the evolving role of annuities, and the need to identify and manage financial fees. The discussion highlights how retirees can navigate these areas to ensure a fulfilling and financially secure retirement. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth

In this conversation, Ron Ray discusses various aspects of retirement planning, including the importance of understanding subscription services and their financial implications, tax strategies for retirees, the necessity of having a plan for life after retirement, and the critical need for long-term care planning. He emphasizes the importance of being aware of hidden fees in investment accounts and the need for a proactive approach to financial health in retirement. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth

In this episode, Ron Ray discusses the importance of planning for retirement, particularly focusing on the 'retirement red zone'—the critical period five years before and after retirement. He emphasizes the need for proper financial planning, including understanding annuities and Medicare, to ensure a secure and enjoyable retirement. The conversation highlights common pitfalls such as procrastination and the importance of seeking professional advice to navigate complex financial decisions. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth

In this episode, Ron Ray discusses the importance of personalized retirement planning, the current market trends affecting investments, and the significance of annuities in today's financial landscape. He emphasizes the need for effective communication with financial advisors and the ongoing nature of Medicare planning. The conversation highlights the four pillars of retirement planning: healthcare, legacy planning, long-term care, and retirement income. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth.  

Ron Ray discusses the importance of monitoring investments during market volatility, especially for those nearing retirement. He emphasizes the critical nature of the retirement red zone and the need for strategic financial planning. The conversation also addresses the sustainability of Social Security and the potential for benefit cuts, urging listeners to prepare for future financial challenges. Additionally, Ron highlights the unique Medicare needs of veterans and the common mistakes they make, advocating for informed decision-making and professional guidance. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth

Ron Ray discusses the importance of understanding risk management in retirement planning. He uses the analogy of speed limits to explain how investors can assess their risk tolerance and align their portfolios accordingly. The conversation emphasizes the need for a long-term investment strategy and the dangers of trying to time the market. Listeners are encouraged to evaluate their current financial situation and seek guidance to ensure their investments match their comfort levels. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth.  

 Ron Ray discusses the importance of conservative investment strategies for retirees, drawing insights from Rob Gronkowski's successful investment in Apple stock. He emphasizes the need for a solid financial plan that protects retirement savings and addresses the challenges posed by inflation and healthcare costs. The discussion also highlights the significance of Social Security and the necessity of reviewing healthcare plans annually to ensure cost-effectiveness. Listen to, To Your Health & Wealth with Founder and CEO Ron Ray of Homestead Family Wealth, every Saturday at 9:00 AM on KGNB 1420AM & 103.1FM Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth

Ron Ray discusses the impending insolvency of Social Security and its implications for retirement planning. He emphasizes the importance of proactive financial planning to mitigate potential income shortfalls. Additionally, the conversation shifts to Medicare, highlighting the end of the open enrollment period and the options available for those who may need to make changes to their plans due to emergencies or other qualifying events. Listen to, To Your Health & Wealth with Founder and CEO Ron Ray of Homestead Family Wealth, every Saturday at 9:00 AM on KGNB 1420AM & 103.1FM Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth

In this episode of 'To Your Health and Wealth', Ron Ray discusses the importance of understanding financial planning and retirement strategies. The conversation covers the significance of reviewing retirement accounts, the complexities of tariffs and market volatility, and common mistakes people make regarding Medicare. Ron emphasizes the need for second opinions in financial planning and the value of education in navigating these topics. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth

Ron Ray delves into the complexities of federal buyouts, retirement planning, and the nuances of Medicare options. The discussion emphasizes the importance of making informed financial decisions, understanding the role of annuities, and navigating the differences between Medicare Advantage and Original Medicare. The speaker provides insights on how to approach retirement planning with a focus on mathematical analysis over emotional decision-making, ensuring that individuals can secure their financial futures effectively. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth

Ron Ray effective strategies for retirement planning, focusing on the allocation of retirement funds into different buckets for security, growth, and dreams. They explore common pitfalls in retirement portfolios, such as hidden fees and poor investment choices, and emphasize the importance of a well-rounded team in navigating these challenges. The discussion also highlights the integration of modern technology with traditional investment principles to enhance financial planning and decision-making. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth.

Ron Ray discusses the evolving landscape of retirement planning, emphasizing the need to rethink traditional retirement ages, the importance of understanding hidden fees in investment accounts, and the necessity of regular reviews of 401(k) plans. He highlights healthcare as a significant expense in retirement and advocates for transparency and education in financial planning to help individuals make informed decisions about their future. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth.  

Ron Ray discusses the complexities of retirement planning, focusing on social security benefits, the importance of financial planning, and the role of financial advisors. He emphasizes the need for a holistic approach to retirement, addressing healthcare costs, junk fees, and the implications of Medicare on retirement income. The discussion also touches on the challenges faced by retirees in navigating prescription costs and the importance of proactive financial management Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth.

In this episode, Ron Ray discusses the importance of retirement planning, focusing on market predictions, income strategies, and the implications of mortgage decisions for retirees. He emphasizes the need for a diversified income plan that includes non-discretionary and discretionary spending silos. The conversation also covers the complexities of VA benefits and Medicare for veterans, highlighting the importance of education and informed decision-making in retirement planning. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth  

In this conversation, Ron Ray discusses the importance of having a solid retirement plan, particularly focusing on the implications of Required Minimum Distributions (RMDs) and the often-hidden fees associated with retirement accounts. He emphasizes the need for personalized strategies to optimize retirement savings and minimize tax burdens. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth.

Ron Ray discusses the importance of health and wealth planning for retirement. He addresses the recent shift in retirement savings advice, emphasizing the feasibility of retiring comfortably with $500,000 through careful investment strategies. The conversation also covers the significance of fixed income products, tax strategies like Roth IRA conversions, and the rising costs of Medicare.  Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth.

This week Ron Ray explores the evolving strategies for retirement planning, emphasizing the importance of adapting financial plans as circumstances change. It discusses the three main phases of retirement savings: accumulation, preservation, and distribution, highlighting the significance of risk management as one approaches retirement. Additionally, it addresses the often-overlooked role of family caregivers in financial planning, stressing the economic impact of caregiving responsibilities on individuals and families. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth

Ron Ray explains the differences between the annual election period and the open enrollment period for Medicare, emphasizing the importance of understanding these timelines and the potential for buyer's remorse. It highlights the role of local agents in navigating changes in healthcare plans and the necessity for beneficiaries to review their options, especially at the start of the year. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth.

In this episode, Ron Ray discusses the correlation between inflation and market fluctuations. He also talks about the concept of 'siloing' their money into discretionary and non-discretionary categories, and the balance retirees need to find between market protection and growth. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth.

In this episode of To Your Health and Wealth, Ron Ray discusses the importance of Medicare’s Annual Election Period, especially in light of 2025 changes brought by the Inflation Reduction Act. Also: the significance of tax planning as individuals approach retirement, explaining how proactive strategies can prevent future financial issues. Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth.

In this episode, Ron Ray discusses essential aspects of retirement planning, focusing on Required Minimum Distributions (RMDs) and the implications of early withdrawals from retirement accounts. Ron highlights common misconceptions about RMDs, and the penalties for neglecting to take them (the R stands for “Required,” after all). Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them by reaching out to Turning 65 Solutions and Homestead Family Wealth.