Seeing your retirement balance drop can feel wrong, but what if that’s exactly when the hardest decisions begin? This episode digs into the often-overlooked shift from saving to spending in retirement and why many people find that transition unsettling. Ron Ray explains the concept of “decumulation,” why retirees struggle to use the money they worked decades to build, and how planning changes once paychecks stop. The conversation also explores common questions people hesitate to ask, the importance of having a guide through retirement’s “downhill” phase, and how income decisions can ripple into taxes and Medicare costs. It’s a clear-eyed look at what really changes once retirement begins.

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.