HeyJaredTo Your Health & Wealth
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.
- Indexed episodes, last 90 days
- 10
- Latest publication
- Sep 15, 2026
- Audience
- Checking…
- Earliest in this view
- Jul 16, 2026
Latest episodes
The Retirement Costs Most People Never Ask About (opens the original)
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What retirement costs are hiding in plain sight, waiting to surprise you after age 65? Ron Ray explores the healthcare and financial questions many retirees overlook, from Medicare enrollment pitfalls and IRMAA surcharges to long term care expenses and cancer related costs that Medicare may not cover. He discusses why having the right conversations early can help identify potential gaps, how peace of mind factors into decisions like paying off a mortgage, and why retirement planning is about mor
You've Saved Enough. So Why Are You Afraid to Spend It? (opens the original)
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Why do the people who save the most often struggle the hardest to spend in retirement? Ron Ray explores the mindset of frugal retirees who worry about outliving their savings, even when the numbers say they're financially secure. He discusses how a retirement income plan and budget can provide confidence without sacrificing lifestyle. The conversation also covers annuity safety, common DIY retirement planning mistakes, healthcare and long-term care costs, and the importance of reviewing Medicare
The Retirement Conversations Most Families Avoid (opens the original)
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What happens to your retirement plan when there are no children to lean on, income expectations don’t match reality, and family members are left guessing about your estate? Ron Ray tackles some of retirement’s most overlooked challenges, from creating long-term care plans for retirees without children to understanding where annuities fit into a retirement income strategy. He also explains why honest conversations about inheritance and estate plans can help prevent family conflict later. Along th
The Retirement Risk Hiding Behind a Strong Market (opens the original)
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What happens when a strong market creates a false sense of security just as retirement approaches? Ron Ray explores why market complacency can be dangerous for retirees, the importance of building reliable retirement income beyond investment balances, and how a multi bucket strategy can help manage risk during market downturns. The conversation also highlights a frequently overlooked expense for early retirees: healthcare coverage before Medicare eligibility. Plus, Ron explains why flashy financ
What If the Real Retirement Risk Isn’t the Market? (opens the original)
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What if the biggest retirement mistake isn’t a market crash, but failing to prepare before one happens? Ron Ray explains why staying the course during market volatility can be both smart and risky, depending on your retirement plan. He shares strategies for protecting gains, creating reliable retirement income, and understanding where annuities fit in a balanced financial approach. The conversation also tackles a challenge many Gen Xers face: realizing retirement is closer than they think. Plus,
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