What if some of the most common retirement “truths” aren’t true at all? This episode of To Your Health and Wealth takes a hard look at widely held assumptions around estate planning, budgeting in retirement, Social Security, healthcare costs, and spending rules of thumb. Ron Ray explains why many people delay basic estate documents, how random financial decisions can derail a retirement plan, and why ideas like “you’ll spend less in retirement” or the 4% rule deserve a closer look. The conversation focuses on replacing assumptions with clarity, helping retirement plans feel intentional rather than pieced together.

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.