One unexpected bill can quietly undo decades of careful saving.
In this episode, Ron Ray takes a clear-eyed look at retirement planning through the lens of what often gets overlooked: surprise expenses, long-term care, and the decisions that quietly shape financial outcomes over time. He breaks down how medical costs and longer life expectancy can strain even well-built retirement plans, while underscoring the areas individuals can actively manage, such as fees, risk exposure, and planning choices. The conversation also explores why long-term care planning has become less optional as life expectancy increases, and how failing to prepare can shift financial pressure onto families later in life. Rounding out the discussion, Ron emphasizes the role of essential legal documents in maintaining control and clarity as circumstances change.

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.