Segment 1 - 12:00

What if the choices you make near retirement matter more than you realize?
In this episode of To Your Health and Wealth, Ron Ray explores key considerations that often shape the retirement journey. He breaks down Medicare enrollment windows, practical tax‑planning approaches, and ways to think through market uncertainty as retirement draws closer. Ron also discusses how a thoughtful, individualized plan can help bring clarity to complex decisions and why many households appreciate working with local, independent advisors who understand their community. The conversation offers listeners a grounded perspective on aligning health and financial priorities as they move toward the next stage of life.

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.

What if the choices you make near retirement matter more than you realize? In this episode of To Your Health and Wealth, Ron Ray explores key considerations that often shape the retirement journey. He breaks down Medicare enrollment windows, practical tax‑planning approaches, and ways to think through market uncertainty as retirement draws closer. Ron also discusses how a thoughtful, individualized plan can help bring clarity to complex decisions and why many households appreciate working with local, independent advisors who understand their community. The conversation offers listeners a grounded perspective on aligning health and financial priorities as they move toward the next stage of life.
Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them, by reaching out to <a href="https://t65solutions.com/">Turning 65 Solutions</a> and <a href="https://homesteadfamilywealth.com/">Homestead Family Wealth</a>.

Founder and CEO of Homestead Family Wealth Ron Ray offers his financial insights, tips, and experienced advice on-demand as a host of “To Your Health & Wealth” podcast, available on major streaming outlets. Ron offers up his insights on how to best plan for your personal well-being on your journey to and through retirement while also offering advice on how to best position your hard-earned assets to grow and provide for the future you’ve always imagined. Each episode offers ways to become informed and more assured about your financial decisions.

Founder and CEO of Homestead Family Wealth Ron Ray offers his financial insights, tips, and experienced advice on-demand as a host of “To Your Health &amp; Wealth” podcast, available on major streaming outlets. Ron offers up his insights on how to best plan for your personal well-being on your journey to and through retirement while also offering advice on how to best position your hard-earned assets to grow and provide for the future you’ve always imagined. Each episode offers ways to become informed and more assured about your financial decisions.

To Your Health & Wealth

What choices shape the retirement journey more than people realize? Ron Ray dives into the questions many households are asking as they approach Medicare, taxes, and long‑term planning.

Your Retirement Roadmap: What to Know Before Taking the Next Step

What happens when retirement doesn’t arrive at the same time for both partners?
In this episode, Ron Ray explores the real-world challenges couples face when their retirement timelines don’t align. He breaks down why longevity planning matters, how relying too heavily on Social Security can create blind spots, and the range of income sources retirees often overlook. The conversation highlights the importance of building a strategy that reflects each partner’s goals, health, and expectations, rather than default assumptions. Ron also addresses the emotional side of retirement, from uncertainty to confidence, and why a comprehensive plan can help reduce stress during life’s next chapter. This episode focuses on thoughtful preparation, informed decision-making, and the value of personalized planning in an increasingly complex retirement landscape.

Find out more about Ron and the teams, and set up a complimentary time to speak with them, by reaching out to Turning 65 Solutions and Homestead Family Wealth.

What happens when retirement doesn&rsquo;t arrive at the same time for both partners? In this episode, Ron Ray explores the real-world challenges couples face when their retirement timelines don&rsquo;t align. He breaks down why longevity planning matters, how relying too heavily on Social Security can create blind spots, and the range of income sources retirees often overlook. The conversation highlights the importance of building a strategy that reflects each partner&rsquo;s goals, health, and expectations, rather than default assumptions. Ron also addresses the emotional side of retirement, from uncertainty to confidence, and why a comprehensive plan can help reduce stress during life&rsquo;s next chapter. This episode focuses on thoughtful preparation, informed decision-making, and the value of personalized planning in an increasingly complex retirement landscape.
Find out more about Ron and the teams, and set up a complimentary time to speak with them, by reaching out to <a href="https://t65solutions.com/">Turning 65 Solutions</a> and <a href="https://homesteadfamilywealth.com/">Homestead Family Wealth</a>.

To Your Health And Wealth Podcast Episode - 021726

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.

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 <a href="https://t65solutions.com/">Turning 65 Solutions</a> and <a href="https://homesteadfamilywealth.com/">Homestead Family Wealth</a>.

When Longevity Becomes a Financial Challenge

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.

 

What if the retirement you imagine looks nothing like the one you&rsquo;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&rsquo;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 <a href="https://t65solutions.com/">Turning 65 Solutions</a> and <a href="https://homesteadfamilywealth.com/">Homestead Family Wealth</a>.
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Your Retirement Roadmap: What to Know Before Taking the Next Step

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