What if the real risk in retirement isn’t market volatility or account balances—but the quiet gaps no one talks about until it’s too late?

In this episode of the Make Life Less Taxing Podcast, Daniel Hanzelka sits down with Ray Alkalai widely known as “Care Funding Ray”—to explore the side of financial planning most families never learn: long-term care realities, tax-heavy withdrawals, and the mindset behind creating a retirement that’s stable, intentional, and deeply human.

Ray shares how he entered the industry thinking he’d sell home and auto insurance, only to discover a foundational flaw in how Americans prepare for the future. Eighteen years later, he has become a trusted voice for families navigating long-term care decisions, tax exposure, and the challenge of stretching a single dollar to do the work of many.

You’ll hear stories from the sandwich generation, the emotional weight of crisis planning, and why clarity—not fear—creates better decisions. This conversation is grounded, eye-opening, and refreshingly practical.

💡 In This Episode, You’ll Discover:

Why most families unintentionally give away too much of their future to taxes

The hidden danger of “hugging your accounts” for too long

How one dollar can be structured to do the job of multiple dollars

Why long-term care planning shapes everything—legacy, income, and peace of mind

The mindset shift every household needs: clarity before strategy

👤 About Ray Alkalai (“Care Funding Ray”)

Ray Alkalai is the founder and CEO of Alkalai Financial Group, where he helps families prepare for retirement with clarity, dignity, and thoughtful planning. Known for simplifying complex ideas and bringing calm to overwhelming financial decisions, Ray serves pre-retirees, retirees, and members of the sandwich generation seeking practical solutions for long-term care and tax-efficient retirement income.

🌐 Website: https://www.CareFundingRay.com

🔗 LinkedIn: https://www.linkedin.com/in/rayalkalai/

📘 Facebook: https://www.facebook.com/profile.php?id=61553265098985

📸 Instagram: @CareFundingRay

🎁 Free Resource: https://taxfreeltcbook.com/home

“Everything you need to plan for how to pay for Long-Term Care”

🎧 About the Make Life Less Taxing Podcast Make Life Less Taxing is a show dedicated to helping people build freedom, clarity, and purpose in every part of their financial life. No hype. No product talk. Just real conversations that help you think differently and live more intentionally.

🌐 More Episodes: https://makelifelesstaxingpodcast.com

📥 Be a Guest: https://makelifelesstaxingpodcast.com/apply

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