To Your Health & Wealth

Ron Ray
  • 5.0 (2)
  • Investing
  • Updated Biweekly

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.

  1. 2d ago

    The Hidden Cost of “One More Year”

    Waiting one more year to retire could cost more than you think. Ron Ray breaks down the “one more year syndrome” and why delaying Social Security may leave money on the table instead of adding security. The conversation explores break, even math, longevity risk, and when it might actually make sense to wait. Plus, a closer look at popular retirement rules, including Dave Ramsey’s take on withdrawals, and how market volatility can impact income once paychecks stop. Ron explains why retirement planning shifts from growth to distribution, and how a balanced approach can help manage uncertainty while covering essential     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. See omnystudio.com/listener for privacy information.

    23 min

  2. Jun 23

    Are You Sleepwalking Into Retirement?

    What if your retirement plan is on cruise control, and heading for the wrong exit? This episode explores how “autopilot” thinking can leave pre-retirees unprepared as major changes approach. Ron Ray uses simple road trip analogies to highlight why attention matters more as retirement nears, from healthcare shifts to turning savings into income. He discusses the growing gap in financial education, especially for those with 401(k)s but no clear income strategy and explain how balancing guaranteed income with flexibility can shape a more informed transition. It’s a practical look at recognizing blind spots and re-engaging before retirement decisions become urgent.   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. See omnystudio.com/listener for privacy information.

    23 min

  3. Jun 16

    The Retirement Ages That Could Change Everything

    From age 50 to 73, the milestones that shape your retirement can quietly impact your future in big ways. This episode breaks down the key ages that matter, when you can access retirement funds, claim Social Security, enroll in Medicare, and start required distributions. The conversation also explores how Medicare plans really work, including the incentives behind broker recommendations and why working with a local advisor can make a difference. If you’ve ever wondered how these timelines connect or what decisions carry the most weight, this discussion brings clarity to the numbers and choices that define retirement planning.     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. See omnystudio.com/listener for privacy information.

    20 min

  4. Jun 9

    When the Paycheck Stops, What Comes Next?

    What happens when your paycheck disappears, but your bills don’t? This episode breaks down the simple but often overlooked questions that shape a retirement plan: what’s coming in, what’s going out, and what you’ve saved. The conversation explores why understanding cash flow becomes more challenging without a steady paycheck, how Social Security and pensions factor into predictable income, and the role your savings must play in filling the gaps. It also examines the risks of relying on market performance alone and why separating “paycheck” money from “playcheck” money can help manage uncertainty. Plus, key considerations around debt, Medicare decisions, and planning for life’s financial unknowns. 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. See omnystudio.com/listener for privacy information.

    24 min

  5. May 26

    Why Smart Plans Fail When Markets Get Emotional

    What happens to your plan when emotions, not logic, take over during a market downturn? This episode explores why retirement planning is as much about behavior as it is about numbers, especially when volatility tests your discipline. They discuss balancing growth with protection, using strategies like “shock absorbers” to help manage risk as retirement nears. The conversation also breaks down key Medicare timing rules, including enrollment windows, penalties, and when delaying coverage may, or may not, make sense. From market psychology to healthcare decisions, the focus stays on aligning choices with long-term stability while minimizing costly missteps.     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. See omnystudio.com/listener for privacy information.

    24 min

  6. May 19

    Why the 4% Rule Can Be the Wrong Question for Retirement

    What if the biggest retirement rule you’ve heard doesn’t actually apply to you? This episode breaks down why common advice like the 4% rule can create unnecessary fear, and how real retirement planning starts with understanding income, not just account balances. Ron Ray walks through how Social Security and pensions can cover core expenses, when annuities can act as personal pensions, and why copying wealthy investors often misses the point. The conversation also highlights the razor thin math behind Roth conversions, Medicare premiums, and IRMAA brackets, plus why long-term care planning is often overlooked until it’s too late. The focus stays on personalized planning instead of one-size fits all assumptions.   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. See omnystudio.com/listener for privacy information.

    23 min

  7. May 12

    Why Annuities Aren’t What You’ve Been Told

    Annuities get a lot of hate, but are they misunderstood more than misused? This episode breaks down what annuities actually are, why so many retirees are turning to them, and how guaranteed income fits into today’s pension‑light retirement landscape. Ron Ray explains common misconceptions, the difference between annuitizing and using income riders, and why flexibility matters more than labels. The conversation also covers red flags to watch for when choosing a financial advisor, why retirement success isn’t tied to a magic savings number, and how personalized planning can replace one‑size‑fits‑all thinking. It’s a practical discussion about income, longevity, and making informed retirement decisions without chasing headlines   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. See omnystudio.com/listener for privacy information.

    22 min

  8. May 5

    Retirement Isn’t Linear Here’s Why That Matters

    Retirement rarely follows a straight line, and that’s where real planning begins. In this episode Ron Ray explores how retirees can prepare for the unexpected, from health disruptions and long-term care needs to housing decisions and the emotional side of retirement. Using “choose your own adventure” as an analogy, the conversation highlights flexibility, contingency planning as core elements of a confident retirement strategy. The discussion also tackles common misconceptions about Medicare, long-term care insurance, paying off a mortgage in retirement, and the role of purpose once the working years end. Retirement planning isn’t just about numbers, it’s about adaptability and intention.   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. See omnystudio.com/listener for privacy information.

    23 min
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Ratings & Reviews

5
out of 5
2 Ratings

About

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.

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