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 explore the risks of relying solely on pensions, the growing impact of health‑care costs, and the practical steps to help keep your lifestyle steady as you age. It’s a grounded look at what shapes retirement outcomes and why having a clear, adaptable plan makes all the difference.

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.