Retirement Reality Check · Free live workshop · 00, 00, 2026 at 00:00 PT
Retirement Reality Check · Free live workshop · Next session: coming soon
Retirement Reality Check · Free live workshop · Next session: coming soon
Retirement Reality Check · Free live workshop · Next session: coming soon
100% FREE LIVE TRAINING REVEALS:
do you know how
Long-term care could drain
your entire retirement Savings?
I'm breaking down what Medicare may not cover and how to prepare for care costs BEFORE THEY IMPACT YOUR RETIREMENT.
Even if you max out your 403(b), work with your advisor, or have never once thought about paying for care after you stop working
tuesday, October 27, 2026 at 5:00 pm pdt
Show up LIVE to claim your FREE GIFT
100% FREE LIVE TRAINING REVEALS:
do you know how
Long-term care could drain
your entire retirement Savings?
I'm breaking down what Medicare may not cover and how to prepare for care costs BEFORE THEY IMPACT YOUR RETIREMENT.
Even if you max out your 403(b), work with your advisor, or have never once thought about paying for care after you stop working
Led by a former RN, bedside & home health
Free 60-minute online workshop
Next live date announced soon. join the Waitlist.
Show up LIVE to claim your FREE GIFT
100% FREE LIVE TRAINING REVEALS:
do you know how
Long-term care could drain
your entire retirement Savings?
I'm breaking down what Medicare may not cover and how to prepare for care costs BEFORE THEY IMPACT YOUR RETIREMENT.
Even if you max out your 403(b), work with your advisor, or have never once thought about paying for care after you stop working
Next live date announced soon. JOIN THE WAITLIST.
Show up LIVE to claim your FREE GIFT
60 mins
One focused session
Live
Real-time Q&A, not recorded
Online
Join from anywhere in the US
Healthcare costs could drain the retirement savings
you worked decades to build.
WHAT HEALTHCARE ACTUALLY COSTS, AND WHAT YOUR ACCOUNTS WOULD BE LEFT WITH
Free · 60 minutes · Bring your spouse or partner
🎁 Can’t wait for the next workshop?
Book a free one-on-one Personal Retirement Reality Check with Monique. If we’re a good fit, you’ll get our full retirement toolkit: the planners, checklists and care guides we use with families.
Free. No prep or account details needed. Nothing to buy.
WHAT YOU'LL WALK AWAY WITH
Sixty minutes on the cost most
retirement plans leave out.
How to estimate what your accounts could pay you each month in retirement, so you're planning around income, not just balances.
Two real scenarios, before and after retirement: how long your savings would last if you, your spouse or a parent needed dementia care.
What care costs as needs progress, from in-home help to assisted living to memory care, using Alzheimer's and dementia as an example, and where Medicare stops paying.
How likely you are to need long-term care, and how long it tends to last, especially for women.
Backed by a Multidisciplinary Team
As part of a multidisciplinary team, Monique Ruiz and her clients benefit from a
multidisciplinary team of financial advisors, CPAs, insurance agents, and attorneys
all collaborating to create a cohesive plan tailored to your goals.
She's worked the floor.
Now she helps families plan
what comes next.
As Heard On
Nurses to Riches
Brian Makes Benjamin
Investing RN
Wake Up Legendary with David Sharpe
Founder story
She went looking for answers, and found a new calling.
Before nursing, Monique Ruiz was a flight attendant with Philippine Airlines. After moving to the US, she worked as a nurse for three years, at the bedside and in home health.
Caring for patients and their families, she saw how often a health crisis caught people unprepared. She got curious about what it would take to plan ahead, for her patients and for herself.
"The answer wasn't more money. It was strategy, and once I learned it, I wanted to share it."
She went on to build a business, got licensed, and founded RNC Elite Group. Today she helps families across the US plan for retirement with confidence.
Why RNC Elite Group
Not another opinion.
One coordinated plan.
As you approach retirement, you probably already have people involved: a CPA at tax time, an estate plan from years ago, maybe an advisor your spouse found.
Those people rarely talk to each other, so your income, taxes, estate and care planning get handled one piece at a time.
As a home health RN case manager, Monique looked at the whole patient and brought in physical or occupational therapy when needed. RNC Elite Group works the same way. We look at your whole retirement picture and, when needed, bring in financial advisors, CPAs, estate planning attorneys and Medicare professionals. We're not here to replace the people you trust. We're here to make the pieces work together.
Know where you stand in three simple steps
01
Save your seat
Name and email.
No financial details needed.
02
Join the live workshop
60 minutes. Bring your spouse or partner. Questions welcome.
03
Decide what's next
Take the questions to your own advisor, or book a free Personal Retirement Reality Check. Your call.
Don't Let One Health Crisis
Erase Everything You've Built.
Anyone in their 40s and up who is planning for retirement or already retired,
and adult children helping care for an aging parent.
In 60 minutes, you'll discover:
✔ What healthcare expenses Medicare may not cover and what you may need to plan for
✔ What caring for an aging parent typically costs nationally, and how it could affect your own retirement
✔ How much of your retirement income you may actually need for healthcare
✔ What happens to your retirement plan if healthcare costs are higher than expected
✔ The questions to bring to your CPA, financial professional, or advisor before you retire
60 mins
One focused session
Live
Real-time Q&A, not recorded
Online
Join from anywhere in the US
STILL GOT QUESTIONS?
Frequently Asked Questions
Healthcare costs could drain
the retirement savings you
worked decades to build.
Free · 60 minutes · Bring your spouse or partner
🎁 Can’t wait for the next workshop?
Book a free one-on-one Personal Retirement Reality Check with Monique. If we’re a good fit, you’ll get our full retirement toolkit: the planners, checklists and care guides we use with families.
Free. No prep or account details needed. Nothing to buy.
WHAT YOU'LL WALK AWAY WITH
Sixty minutes on the cost most
retirement plans leave out.
How to estimate what your accounts could pay you each month in retirement, so you're planning around income, not just balances.
Two real scenarios, before and after retirement: how long your savings would last if you, your spouse or a parent needed dementia care.
What care costs as needs progress, from in-home help to assisted living to memory care, using Alzheimer's and dementia as an example, and where Medicare stops paying.
How likely you are to need long-term care, and how long it tends to last, especially for women.
Backed by a Multidisciplinary Team
As part of a multidisciplinary team, Monique Ruiz and her clients benefit from a multidisciplinary team of financial advisors, CPAs, insurance agents, and attorneys all collaborating to create a cohesive plan tailored to your goals.
She's worked the floor.
Now she helps families plan
what comes next.
As Heard On
Nurses to Riches
Brian Makes Benjamin
Investing RN
Wake Up Legendary with David Sharpe
Founder story
She went looking for answers, and found a new calling.
Before nursing, Monique Ruiz was a flight attendant with Philippine Airlines. After moving to the US, she worked as a nurse for three years, at the bedside and in home health.
Caring for patients and their families, she saw how often a health crisis caught people unprepared. She got curious about what it would take to plan ahead, for her patients and for herself.
"The answer wasn't more money. It was strategy, and once I learned it, I wanted to share it."
She went on to build a business, got licensed, and founded RNC Elite Group. Today she helps families across the US plan for retirement with confidence.
Why RNC Elite Group
Not another opinion.
One coordinated plan.
As you approach retirement, you probably already have people involved: a CPA at tax time, an estate plan from years ago, maybe an advisor your spouse found.
Those people rarely talk to each other, so your income, taxes, estate and care planning get handled one piece at a time.
As a home health RN case manager, Monique looked at the whole patient and brought in physical or occupational therapy when needed. RNC Elite Group works the same way. We look at your whole retirement picture and, when needed, bring in financial advisors, CPAs, estate planning attorneys and Medicare professionals. We're not here to replace the people you trust. We're here to make the pieces work together.
Know where you stand in
three simple steps
01
Save
your seat
Name and email. No financial details needed.
02
Join the live workshop
60 minutes. Bring your spouse or partner. Questions welcome.
03
Decide
what's next
Take the questions to your own advisor, or book a free Personal Retirement Reality Check. Your call.
60 mins
One focused session
Live
Real-time Q&A, not recorded
Online
Join from anywhere in the US
Don't Let One Health Crisis
Erase Everything You've Built.
Anyone in their 40s and up who is planning for retirement or already retired, and adult children helping care for an aging parent.
In 60 minutes, you'll discover:
What healthcare expenses Medicare may not cover and what you need to plan for
What caring for an aging parent typically costs nationally, and how it could affect your own retirement
How much of your retirement income you may actually need for healthcare
What happens to your retirement plan if healthcare costs are higher than expected
The questions to bring to your CPA and financial advisor before you retire
STILL GOT QUESTIONS?
Frequently Asked Questions
Healthcare costs could drain
the retirement savings you
worked decades to build.
Free · 60 mins · Bring your spouse or partner
🎁 Can’t wait for the next workshop?
Book a free one-on-one Personal Retirement Reality Check with Monique. If we’re a good fit, you’ll get our full retirement toolkit: the planners, checklists and care guides we use with families.
Free. No prep or account details needed. Nothing to buy.
WHAT YOU'LL WALK AWAY WITH
Sixty minutes on the cost most retirement plans
leave out.
How to estimate what your accounts could pay you each month in retirement, so you're planning around income, not just balances.
Two real scenarios, before and after retirement: how long your savings would last if you, your spouse or a parent needed dementia care.
What care costs as needs progress, from in-home help to assisted living to memory care, using Alzheimer's and dementia as an example, and where Medicare stops paying.
How likely you are to need long-term care, and how long it tends to last, especially for women.
Backed by a Multidisciplinary Team
As part of a multidisciplinary team, Monique Ruiz and her clients benefit from a multidisciplinary team of financial advisors, CPAs, insurance agents, and attorneys all collaborating to create a cohesive plan tailored to your goals.
She's worked the floor.
Now she helps families plan what comes next.
As Heard On
Nurses to Riches
Brian Makes Benjamin
Investing RN
Wake Up Legendary
with David Sharpe
Founder story
She went looking for answers, and found a new calling
Before nursing, Monique Ruiz was a flight attendant with Philippine Airlines. After moving to the US, she worked as a nurse for three years, at the bedside and in home health.
Caring for patients and their families, she saw how often a health crisis caught people unprepared. She got curious about what it would take to plan ahead, for her patients and for herself.
"The answer wasn't more money. It was strategy, and once I learned it, I wanted to share it."
She went on to build a business, got licensed, and founded RNC Elite Group. Today she helps families across the US plan for retirement with confidence.
Why RNC Elite Group
Not another opinion.
One coordinated plan.
As you approach retirement, you probably already have people involved: a CPA at tax time, an estate plan from years ago, maybe an advisor your spouse found.
Those people rarely talk to each other, so your income, taxes, estate and care planning get handled one piece at a time.
As a home health RN case manager, Monique looked at the whole patient and brought in physical or occupational therapy when needed. RNC Elite Group works the same way. We look at your whole retirement picture and, when needed, bring in financial advisors, CPAs, estate planning attorneys and Medicare professionals. We're not here to replace the people you trust. We're here to make the pieces work together.
Know where you stand in three simple steps
01
Save your seat
Name and email.
No financial details needed.
02
Join the live workshop
60 minutes. Bring your spouse or partner. Questions welcome.
03
Decide what's next
Take the questions to your own advisor, or book a free Personal Retirement Reality Check. Your call.
Don't Let One Health Crisis Erase Everything You've Built.
Anyone in their 40s and up who is planning for retirement or already retired, and adult children helping care for an aging parent.
In 60 minutes you'll discover:
What healthcare expenses Medicare may not cover and what you may need to plan for
What caring for an aging parent typically costs nationally, and how it could affect your own retirement
How much of your retirement income you may actually need for healthcare
What happens to your retirement plan if
healthcare costs are higher than expected
The questions to bring to your CPA,
financial professional, or advisor before
you retire
STILL GOT QUESTIONS?
Frequently Asked Questions
When is the next workshop?
No. The workshop is educational and there's no pitch in it. There's no cost to attend, no hidden charges, and a one-on-one conversation afterwards is always optional.We’re setting the next date now. Join the waitlist and you’ll be the first to know, before it opens to the public. Can’t wait? Book a free one-on-one call instead.
Do I need to share my financial information?
No. The workshop is educational and there's no pitch in it. There's no cost to attend, no hidden charges, and a one-on-one conversation afterwards is always optional.
Who is this for?
Adults in their 40s and up, whether you're still working or already retired, who want to know if their savings will produce enough income, plus adult children who are helping parents plan for care. Healthcare professionals are especially welcome; Monique was one.
Can my spouse or partner join?
Please bring them. Retirement is usually a household decision, and it's easier when you both hear the same information.
Is it really free?
Yes. There's no cost, no hidden charges and nothing to buy.
What if I can't make it live?
The live Q&A isn’t recorded, so it’s worth attending if you can. Join the waitlist and we’ll send the date early so you can plan for it.
Is Monique a financial advisor?
Monique is a licensed life producer who specializes in retirement and wealth planning for healthcare professionals. She works alongside a team of financial advisors, CPAs, attorneys and Medicare professionals, and brings them in when a situation calls for it.
Where do the figures come from?
Care costs are U.S. national medians from CareScout's 2025 Cost of Care Survey (Genworth). Medicare figures are from Medicare.gov and the official Medicare & You handbook.
When is the next workshop?
We’re setting the next date now. Join the waitlist and you’ll be the first to know, before it opens to the public. Can’t wait? Book a free one-on-one call instead.
Do I need to share my financial information?
No. The workshop is educational and there's no pitch in it. There's no cost to attend, no hidden charges, and a one-on-one conversation afterwards is always optional.
Who is this for?
Adults in their 40s and up, whether you're still working or already retired, who want to know if their savings will produce enough income, plus adult children who are helping parents plan for care. Healthcare professionals are especially welcome; Monique was one.
Can my spouse or partner join?
Please bring them. Retirement is usually a household decision, and it's easier when you both hear the same information.
Is it really free?
Yes. There's no cost, no hidden charges and nothing to buy.
What if I can't make it live?
The live Q&A isn’t recorded, so it’s worth attending if you can. Join the waitlist and we’ll send the date early so you can plan for it.
Is Monique a financial advisor?
Monique is a retirement planner who specializes in retirement and wealth planning for healthcare professionals. She works alongside a team of financial advisors, CPAs, attorneys and Medicare professionals, and brings them in when a situation calls for it.
Where do the figures come from?
Care costs are U.S. national medians from CareScout's 2025 Cost of Care Survey (Genworth). Medicare figures are from Medicare.gov and the official Medicare & You handbook.
When is the next workshop?
We’re setting the next date now. Join the waitlist and you’ll be the first to know, before it opens to the public. Can’t wait? Book a free one-on-one call instead.
Do I need to share my financial information?
No. The workshop is educational and there's no pitch in it. There's no cost to attend, no hidden charges, and a one-on-one conversation afterwards is always optional.
Who is this for?
Adults in their 40s and up, whether you're still working or already retired, who want to know if their savings will produce enough income, plus adult children who are helping parents plan for care. Healthcare professionals are especially welcome; Monique was one.
Can my spouse or partner join?
Please bring them. Retirement is usually a household decision, and it's easier when you both hear the same information.
Is it really free?
Yes. There's no cost, no hidden charges and nothing to buy.
What if I can't make it live?
The live Q&A isn’t recorded, so it’s worth attending if you can. Join the waitlist and we’ll send the date early so you can plan for it.
Is Monique a financial advisor?
Monique is a Retirement Planner who specializes in retirement and wealth planning for healthcare professionals. She works alongside a team of financial advisors, CPAs, attorneys and Medicare professionals, and brings them in when a situation calls for it.
Where do the figures come from?
Care costs are U.S. national medians from CareScout's 2025 Cost of Care Survey (Genworth). Medicare figures are from Medicare.gov and the official Medicare & You handbook.
You've spent your career
taking care of other people.
It's worth 60 minutes with us to plan how you'll be taken care of.
Free · 60 minutes · No hidden charges · Live Q&A
Bring your spouse or partner · Workshop not recorded
Ready to talk sooner? Book a free one-on-one call
RNC Elite Group LLC is a licensed life insurance firm in California. All content provided on this website and in our videos is for informational and educational purposes only and should not be construed as investment, legal, tax, or financial advice. Insurance products are offered through licensed insurance professionals and are subject to carrier underwriting, approval, terms, conditions, and availability. Results and outcomes may vary based on individual circumstances. RNC Elite Group LLC is not responsible for the content, policies, or practices of any third-party websites or platforms linked from this site. By accessing or using this website, you acknowledge and agree to our Terms of Service and Privacy Policy.
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FAQs
Coachella Valley, CA
© 2026 RNC Elite Group. All rights reserved.
You've spent your career
taking care of other people.
It's worth 60 minutes
with us to plan how
you'll be taken care of.
What healthcare costs, and what Medicare won't pay
An estimated monthly income from your accounts
The questions to take back to your own advisor
Free · 60 minutes · No hidden charges · Live Q&A
Bring your spouse or partner · Workshop not recorded
Ready to talk sooner? Book a free one-on-one call
RNC Elite Group LLC is a licensed life insurance firm in California. All content provided on this website and in our videos is for informational and educational purposes only and should not be construed as investment, legal, tax, or financial advice. Insurance products are offered through licensed insurance professionals and are subject to carrier underwriting, approval, terms, conditions, and availability. Results and outcomes may vary based on individual circumstances. RNC Elite Group LLC is not responsible for the content, policies, or practices of any third-party websites or platforms linked from this site. By accessing or using this website, you acknowledge and agree to our Terms of Service and Privacy Policy.
© 2026 RNC Elite Group. All rights reserved. Retirement Reality Check Workshop
You've spent your career
taking care of other people. It's worth 60 minutes with us to plan how you'll be taken care of.
What healthcare costs, and what
Medicare won't pay
An estimated monthly income
from your accounts
The questions to take back
to your own advisor
Free · 60 minutes · No hidden charges · Live Q&A
Bring your spouse or partner · Workshop not recorded
Ready to talk sooner? Book a free one-on-one call