Shows
Financial Sanity with Patrick AyersFinancial Literacy - November 15th, 2025Do you think you’d make the grade when it comes to financial literacy? Most Americans between the ages of 50 and 75 scored low marks when it comes to a retirement income literacy quiz, according to The American College of Financial Services. Patrick Ayers goes over interesting ways to improve on your financial literacy score!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Aye...
2025-11-1556 min
Best of Financial SanityEpisode 98 - Financial Literacy - Financial SanityDo you think you’d make the grade when it comes to financial literacy? Most Americans between the ages of 50 and 75 scored low marks when it comes to a retirement income literacy quiz, according to The American College of Financial Services. Patrick Ayers goes over interesting ways to improve on your financial literacy score!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, Pre...
2025-11-1514 minBest of Financial SanityEpisode 97: Key Financial Habits for Retirees - Financial SanityA new survey reveals that financial advisors are feeling optimistic about the future, even with concerns about inflation, taxes, and market volatility. This week, Patrick Ayers discusses why confidence is key in retirement planning and how having a solid plan can help you feel more secure despite what the future may hold.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and...
2025-11-0814 minFinancial Sanity with Patrick AyersCurrent Moods Regarding Taxes, Market Volatility and Inflation - 11082025A new survey reveals that financial advisors are feeling optimistic about the future, even with concerns about inflation, taxes, and market volatility. This week, Patrick Ayers discusses why confidence is key in retirement planning and how having a solid plan can help you feel more secure despite what the future may hold.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President...
2025-11-0856 minFinancial Sanity with Patrick AyersFederal Interest Rate Drops and Roth Conversions - October 11, 2025Big news out of Washington: The Federal Reserve has cut interest rates from 4.25% to 4%-- the first cut in nearly a year. It wasn’t the big drop some were expecting. Patrick Ayers discusses the question that many retirees are asking: "What could this mean for my money?"We also discuss the current state of Roth Conversions and how to be strategic with them.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is...
2025-10-1156 minBest of Financial SanityEpisode 93 - Hey Look! Federal Interest Rates Dropped! (Sort of)Big news out of Washington: The Federal Reserve has cut interest rates from 4.25% to 4%-- the first cut in nearly a year. It wasn’t the big drop some were expecting. Patrick Ayers discusses the question that many retirees are asking: "What could this mean for my money?"Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Se...
2025-10-1114 minFinancial Sanity with Patrick AyersBehavioral Finance and You - October 4, 2025You know how we sometimes do things that even we can’t explain? Well, it turns out, this also happens when it comes to our money. Have you ever been so scared of losing money that you didn't take a financial risk? Or maybe you've found yourself buying something just because everyone else is? These are just a couple examples of how our behavior plays a big role in our financial decisions. Patrick Ayers goes over how often do you see behavior or emotions get in the way of decision-making.Welcome to Financial Sanity with Patrick Ayers
2025-10-0456 minBest of Financial SanityEpisode 85: Clearing Up 6 Common Myths About RetirementRetirement is one of life’s biggest milestones, but there are a lot of myths out there that can lead to costly mistakes. Today, Patrick will bust some of the most common myths about retirement and help you plan more savvy.For more information on retirement planning, visit ayersfinancial.com!Looking for specific information about today's topic? Check out our resources page!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Ta...
2025-08-1814 minFinancial Sanity with Patrick AyersCreating a Lasting Legacy - August 16, 2025It’s easy to make assumptions about what goes into a legacy plan, but Patrick will help make it clear for you as we dive into the basics of creating a lasting legacy for your family. For more information on retirement planning, visit ayersfinancial.com!Looking for specific information about today's topic? Check out our resources page!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Str...
2025-08-1856 minBest of Financial SanityEpisode 74: The Dirty DozenToday, we’ll be looking at the “Dirty Dozen.” These are some of the tax scams the IRS has flagged for us to avoid. We’ll discuss some of these today with Patrick.For more information on retirement planning, visit ayersfinancial.com!Looking for specific information about today's topic? Check out our resources page!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertai...
2025-06-0214 minBest of Financial SanityEpisode 73: Getting to Know Patrick AyersIn the world of investments, two approaches often dominate the conversation: active and passive investing. It's like choosing between a sports car that requires skilled handling or an SUV designed for a smoother, more predictable ride. While money has been flowing increasingly toward passive approaches in recent years, the question remains—which strategy is right for your retirement journey?For more information on retirement planning, visit ayersfinancial.com!Looking for specific information about today's topic? Check out our resources page!Welcome to Financial Sanity with Patrick Ayers
2025-05-2613 minBest of Financial SanityEpisode 72: Timeless Advice - Maya Angelou, Paul Samuelson, and George WashingtonThere are some quotes that just stick in your mind. It could have come from a grandparent, a parent, or any famous person who offered a bit of wisdom for you to hold onto. And some words of wisdom stand the test of time. Patrick will go over some timeless advice and how it can relate to retirement.For more information on retirement planning, visit ayersfinancial.com!Looking for specific information about today's topic? Check out our resources page!Welcome to Financial Sanity with Patrick Ayers...
2025-05-1914 minBest of Financial SanityEpisode 70 - Don't Time the MarketThe stock market’s been on a wild ride lately—from steep drops to record-breaking gains, all in the span of a week. For retirees, these swings can feel nerve-wracking. But what if there’s a way to help make sense of it all? Today Patrick will talk about savvy strategies to preserve your savings and help keep your retirement on track, no matter what the market throws your way.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so man...
2025-05-0514 minBest of Financial SanityEpisode 69 - Taxes Trivia!Now we’re going to take a little time to put Patrick to the test with a round of retirement trivia and our topic this week is … Taxes.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial pictu...
2025-04-2814 minBest of Financial SanityEpisode 66 - Healthcare TriviaIt's time to put Patrick to the test with a round of retirement trivia. Our topic this week is healthcare!For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is...
2025-04-0714 minBest of Financial SanityEpisode 65 - Tariffs and Trade WarsWe've been hearing a lot about "trade wars" in the news lately. All this talk has shaken up the markets. Today, Patrick has some simple tips to help protect your retirement savings from the market’s ups and downs.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ay...
2025-03-3114 minFinancial Sanity with Patrick AyersCreating a Lasting Legacy - March 29, 2025It’s easy to make assumptions about what goes into a legacy plan, but Patrick will help make it clear for you as we dive into the basics of creating a lasting legacy for your family. For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ay...
2025-03-3156 minFinancial Sanity with Patrick AyersMaximize Your Retirement Income - March 22, 2025You’ve spent your entire career saving for retirement. How can you make sure you’ve done enough? The last thing you need at this stage of the game is to make a misstep, so you end up spending down your savings too quickly. So today we have four ways to help you optimize your retirement income. You can make the most out of your retirement by taking these strategic but simple steps.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise...
2025-03-2456 minBest of Financial SanityEpisode 64 - Maximize Your Retirement Income Part 2You’ve spent your entire career saving for retirement. How can you make sure you’ve done enough? The last thing you need at this stage of the game is to make a misstep, so you end up spending down your savings too quickly. So today we have four ways to help you optimize your retirement income. You can make the most out of your retirement by taking these strategic but simple steps.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's...
2025-03-2413 minBest of Financial SanityEpisode 63 - Mailbag Questions: Spending too Much Money too Fast? Maximizing vs. Optimizing Social SecurityPatrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a...
2025-03-1714 minFinancial Sanity with Patrick AyersThe Five Financial Stages of Life - March 15, 2025You might remember Rod Stewarts’s song Ooh La La, and the line that states: “I wish I knew what I know now, when I was younger!” How many times have we all wished that? Hanna Meiners is a freelance copywriter and content expert, and recently she wrote “Things I would tell my 20-year old Self”. She provides the 10 things she would tell her 20-year-old self.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going...
2025-03-1756 minBest of Financial SanityEpisode 62 - Time Machine 1974Join Patrick and Bruce as they take a fun trip back to 1974! They connect the big moments and pop culture of the year to smart retirement planning tips for today. Learn how the economic events of the past can help you shape a secure financial future.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent...
2025-03-1014 minFinancial Sanity with Patrick AyersPlanning for Large IRAs - March 8, 2025If you have money in a tax deferred retirement account like a 401k or an IRA, you may want to be aware of new retirement planning rules. The Secure Act and Secure Act 2.0 could have an even bigger impact on people who have saved $250,000 or more. For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local...
2025-03-1056 minBest of Financial SanityEpisode 61 - 2025 Main Topic: TaxesDonald Trump ran for President on the promise of extending the 2017 tax cuts. But he might have a hard time keeping that promise. Patrick shares what you need to know about current tax policy and how you can act now to take advantage of today’s lower tax rates.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern re...
2025-03-0314 minFinancial Sanity with Patrick AyersTackling Twin Threats of Taxes and Inflation - March 1, 2025When we think about risks to retirement, it’s natural to focus on the big, dramatic market downturns—like those we’ve seen in the past and will undoubtedly face again in the future. But those aren’t the only threats. The looming possibility of higher taxes, persistent inflation, and other challenges all contribute to the very real fear of outliving your savings.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane...
2025-03-0356 minFinancial Sanity with Patrick AyersGrowing Government Debt - February 22, 2025In a time when growing government debt is almost certainly paving the way for higher taxes, helping ensure the protection of your retirement savings is more important than ever. How you manage the potential taxation of your nest egg could define the reality of your retirement years.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement...
2025-02-2456 minBest of Financial SanityEpisode 60 - Growing Government DebtIn a time when growing government debt is almost certainly paving the way for higher taxes, helping ensure the protection of your retirement savings is more important than ever. How you manage the potential taxation of your nest egg could define the reality of your retirement years.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local...
2025-02-2413 minFinancial Sanity with Patrick AyersRetirement Puzzle Cube - February 15, 2025There are a lot of moving parts when it comes to preparing for retirement. When should I take my Social Security? When might I accidentally trigger higher taxes? What if I make a wrong move with my retirement savings? There are so many decisions that can impact each other that you could say retirement planning is almost like trying to figure out one of those puzzle cubes.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many...
2025-02-1756 minBest of Financial SanityEpisode 59 - Where Will You Live In Retirement?Where do you plan to live in retirement? Will you stay in your current home, or will you downsize? Who will inherit your house one day? Those are some big questions. Today, we will talk through the importance of finding those answers to help you feel more confident about your future.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about...
2025-02-1714 minBest of Financial SanityEpisode 58 - Preserving and Optimizing Your 401kPreparing for a retirement that could last 30 years or more is no small feat. With many relying on withdrawals from their 401(k) or similar retirement plans for essential income, preserving and optimizing these funds is important.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve...
2025-02-1013 minFinancial Sanity with Patrick AyersPreserving And Optimizing Your 401k - February 8, 2025Preparing for a retirement that could last 30 years or more is no small feat. With many relying on withdrawals from their 401(k) or similar retirement plans for essential income, preserving and optimizing these funds is important.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial...
2025-02-1056 minFinancial Sanity with Patrick AyersPreserving Your Retirement From Taxes - February 1, 2025The IRS tax code is full of thousands of sections, each with its own specific definitions, rules, and fees. And guess what? Taxpayers are legally bound to follow all of them. We all know we need to file our taxes every year, even though it can be overwhelming and complicated. But there’s a more proactive approach pre-retirees should take.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Se...
2025-02-0356 minBest of Financial SanityBest of Financial Sanity Episode 57 - New Year, New AdministrationIt’s a New Year and a new government, too! What could a single party controlled White House and Congress mean for your retirement? Today, Patrick Ayers, will tell us what we need to know as we look ahead toward the rest of 2025 and beyond.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Pa...
2025-02-0313 minFinancial Sanity with Patrick AyersTaxes in Retirement - January 25, 2025The IRS tax code is full of thousands of sections, each with its own specific definitions, rules, and fees. And guess what? Taxpayers are legally bound to follow all of them. We all know we need to file our taxes every year, even though it can be overwhelming and complicated. Patrick goes through the difference between tax preparation and tax planning.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about...
2025-01-2756 minBest of Financial SanityBest of Financial Sanity Episode 56 - Mailbag Questions: How Much Might I Need?I’ve got questions. You’ve got questions. We’ve all got questions! Patrick Ayers will be answering questions in his Mailbag segment.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
2025-01-2713 minFinancial Sanity with Patrick AyersTackling the Twin Threats of Taxes and Inflation - January 18, 2025When we think about risks to retirement, it’s natural to focus on the big, dramatic market downturns—like those we’ve seen in the past and will undoubtedly face again in the future. But those aren’t the only threats. The looming possibility of higher taxes, persistent inflation, and other challenges all contribute to the very real fear of outliving your savings.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane...
2025-01-2056 minBest of Financial SanityBest of Financial Sanity Episode 55 - Financial LiteracyDo you think you’d make the grade when it comes to financial literacy? Most Americans between the ages of 50 and 75 scored low marks when it comes to a retirement income literacy quiz, according to The American College of Financial Services.For more information on retirement planning, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CE...
2025-01-2014 minFinancial Sanity with Patrick AyersPlanning for the Future as a Family - January 11, 2025Four of the hardest words to hear are “We need to talk.” But sometimes, that’s the best way to start a serious conversation. Unfortunately, many couples and families are putting off the tough conversations they need to have so they can plan for the future together. And preparing for the future as a family through estate and legacy planning … is definitely a good thing.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much...
2025-01-1356 minBest of Financial SanityBest of Financial Sanity Episode 54 - Planning for the Future as a FamilyFour of the hardest words to hear are “We need to talk.” But sometimes, that’s the best way to start a serious conversation. Unfortunately, many couples and families are putting off the tough conversations they need to have so they can plan for the future together. And preparing for the future as a family through estate and legacy planning … is definitely a good thing.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much unc...
2025-01-1313 minBest of Financial SanityBest of Financial Sanity Episode 53 - The Client ExperienceA phone call or website can seem so impersonal. Or worse, it could be a financial scam. At least, those are possible thoughts one may have before they visit someone to handle their finances in retirement. It can be a scary thought to go out there and do something new. So, to help provide more confidence to face the unknown, this show will focus on what the process is like for a potential new client first meeting with a financial professional and what this meeting and process may entail.Welcome to Financial Sanity with Patrick Ayers...
2025-01-0613 minFinancial Sanity with Patrick AyersThe Client Experience - January 4, 2025A phone call or website can seem so impersonal. Or worse, it could be a financial scam. At least, those are possible thoughts one may have before they visit someone to handle their finances in retirement. It can be a scary thought to go out there and do something new. So, to help provide more confidence to face the unknown, this show will focus on what the process is like for a potential new client first meeting with a financial professional and what this meeting and process may entail.Welcome to Financial Sanity with Patrick Ayers
2025-01-0656 minFinancial Sanity with Patrick AyersRetirement Checklist - December 28, 2024According to a new Axios/Ipsos poll, one in five Americans believe they’ll never retire, 62 percent of people who aren't retired yet believe Social Security won't even cover half their expenses and only 33 percent of Americans have a written financial plan. This means nearly 70 percent of us don’t have a written strategy for our money. But there are some simple steps you can take to gauge your preparedness for retirement … it’s as easy as checking off the boxes on our retirement checklist.Welcome to Financial Sanity with Patrick AyersWith so much financia...
2024-12-3056 minBest of Financial SanityBest of Financial Sanity Episode 52 - Retirement Checklist 3According to a new Axios/Ipsos poll, one in five Americans believe they’ll never retire, 62 percent of people who aren't retired yet believe Social Security won't even cover half their expenses and only 33 percent of Americans have a written financial plan. This means nearly 70 percent of us don’t have a written strategy for our money. But there are some simple steps you can take to gauge your preparedness for retirement … it’s as easy as checking off the boxes on our retirement checklist.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, i...
2024-12-3014 minFinancial Sanity with Patrick AyersOptimizing Social Security - December 21, 2024Many retirees depend heavily on Social Security, aiming to help maximize their returns from this important income source. However, navigating the system's complexities often proves challenging, leaving many to question the best way to optimize the benefits they will receive over their lifetime.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide...
2024-12-2356 minBest of Financial SanityBest of Financial Sanity Episode 51 - Talking About Finances to FamilyWhen it comes to most of our families, money can be a very sensitive subject. As you’re getting into retirement, do you find it difficult to talk to your family about your finances? What about giving guidance to them – specifically, your children and grandchildren – when it comes to investing and saving for retirement?Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, Presid...
2024-12-2314 minFinancial Sanity with Patrick AyersMaximize Your Retirement Income - December 14, 2024You’ve spent your entire career saving for retirement. How can you make sure you’ve done enough? The last thing you need at this stage of the game is to make a misstep, so you end up spending down your savings too quickly. So today we have four ways to help you optimize your retirement income. You can make the most out of your retirement by taking these strategic but simple steps. Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, S...
2024-12-1656 minBest of Financial SanityBest of Financial Sanity Episode 50 - Maximize Your Retirement IncomeYou’ve spent an entire career saving for retirement. The last thing you need at this stage of the game is to make a misstep, so you end up spending down your savings too quickly. How can you make sure you’ve done enough? Today we’re going to share with you some simple ways to help you maximize your retirement income. You can help make the most out of your retirement by taking these strategic but simple steps.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people...
2024-12-1614 minFinancial Sanity with Patrick AyersFalling Interest Rates - December 7, 2024As you enter or approach retirement, it’s natural to start thinking about how to turn your dreams into reality. Whether that means traveling, spending more time with family, or simply enjoying a confident life, your income will be the key to making it all happen. But in an environment of falling interest rates, maintaining that income can become a lot more challenging.For more information about Patrick Ayers, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially in...
2024-12-0956 minBest of Financial SanityBest of Financial Sanity Episode 49 - Taking Stock of 2024The New Year is getting closer and closer! We hope you’re looking back fondly on 2024 and, also, looking forward to 2025! However, as always, there’s still a little more work to do before you toast in the New Year.For more information about Patrick and the Ayers Financial team, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayer...
2024-12-0914 minBest of Financial SanityBest of Financial Sanity Episode 48 - Mailbag Questions: Think Fast! Cake or Pie? First Car? Dogs or Cats?We want to get to YOUR questions in this part of the show, so we’ll get some insights from Patrick on your retirement concerns. Plus, we’re going to keep Patrick on his toes with our lightning round of “Think Fast” questions.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear fi...
2024-12-0214 minFinancial Sanity with Patrick AyersMake Your Money Work for You - November 30, 2024It’s not what you make, it’s what you keep that counts. As you start to think about your finances and retirement have you ever considered this? Some so many people tell you ‘it’s less about the number of dollars you’ve saved and more about strategies you use with your savings.’For more information about Patrick Ayers, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much unce...
2024-12-0256 minBest of Financial SanityBest of Financial Sanity Episode 47 - Is the American Dream Attainable?Today, we’re talking about the American dream. We don’t mean lavish wealth and incredible luxury. We're talking about the things that we all grow up wanting in our lives – a house, a couple of kids, a new car, a vacation once a year. It’s what you think of when you think of the good life in our country. Many of us grew up with parents who had a life a lot like that. However, in 2024, just how attainable is it?Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understa...
2024-11-2514 minFinancial Sanity with Patrick AyersGrowing Government Debt Threatens Higher Taxes in Retirement - November 23, 2024In a time when growing government debt is almost certainly paving the way for higher taxes, helping ensure the protection of your retirement savings is more important than ever. How you manage the potential taxation of your nest egg could define the reality of your retirement years.For more information about Patrick Ayers, visit ayersfinancial.com!Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement...
2024-11-2556 minBest of Financial SanityBest of Financial Sanity Episode 46 - Mailbag Questions: Part-time Work and Social SecurityPatrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
2024-11-1814 min
Financial Sanity with Patrick AyersRetirement for Small Business Owners - November 16, 2024Retirement for Small Business Owners - November 16, 2024 by Financial Sanity with Patrick AyersWelcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.Listen to Financial Sanity Saturdays...
2024-11-1856 minBest of Financial SanityBest of Financial Sanity Episode 45 - 2024 Election ReactionWe’ve finally reached the finish line of another marathon election cycle that was filled with more twists and turns than any political analyst could have predicted. So now that we have some answers, where do we go from here?Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so...
2024-11-1114 minBest of Financial SanityBest of Financial Sanity Episode 44 - Mistake with IRAsToday, we’re talking about a mistake that so many Americans make when it comes to their IRAs. Rolling over an employer-sponsored 401(k) into an IRA can be a great choice for so many of us – but, according to Vanguard, there’s one simple mistake that more than 1-in-4 investors make during that process – and that mistake costs investors a total of more than $170 billion dollars each year in lost retirement wealth.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security...
2024-11-0414 minBest of Financial SanityBest of Financial Sanity Episode 43 - Are Younger Generations Worse off for Retirement?If you’re a parent, you know firsthand – we want even better for our children in life than we want for ourselves. We want them to feel more confident, more stable, more prepared for the future. But, let me ask you this: compared to your parents, how are you feeling about your financial position? If you’re like most Americans, you may feel like you have it tougher, not easier.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street...
2024-10-2813 minBest of Financial SanityBest of Financial Sanity Episode 42 - Mailbag QuestionsPatrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
2024-10-2113 minBest of Financial SanityBest of Financial Sanity Episode 41 - Inheritance and ProbateHow much do you know about inheritance? I don’t just mean your decisions on what to leave behind to who. I mean the legal process of inheritance and what factors go into it – specifically, probate. If you’re like most Americans, you might be in the dark about a lot of the process – and maybe you’ve never even thought about it at all.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncer...
2024-10-1414 minBest of Financial SanityBest of Financial Sanity Episode 40 - Retirement Preparedness ManualIt’s important to prepare for financial risks that might threaten your confidence in retirement. Volatility and economic downturns, periods of recession, and high inflation are financial risks that we can’t prevent but we can certainly prepare for. In our “retirement preparedness manual” we’ll help you prepare for these risks. Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayer...
2024-10-0713 minBest of Financial SanityBest of Financial Sanity Episode 39 - Behavioral Finance and YouYou know how we sometimes do things that even we can’t explain? Well, it turns out, this also happens when it comes to our money. Have you ever been so scared of losing money that you didn't take a financial risk? Or maybe you've found yourself buying something just because everyone else is? These are just a couple examples of how our behavior plays a big role in our financial decisions.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Se...
2024-09-3014 minBest of Financial SanityBest of Financial Sanity Episode 38 - How Confident Do You Feel About Social SecurityNo matter what your retirement plan looks like, if you’re like most people, it’s very likely that Social Security is an important part of it – but do you feel confident about Social Security going into retirement? Do you think you’ll be able to rely on it? According to a new survey, most Americans don’t.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independen...
2024-09-2313 minBest of Financial SanityBest of Financial Sanity Episode 37 - Think Fast!We want to get to YOUR questions, so we’ll get some insights from Patrick on your retirement concerns. Plus, we’re going to keep Patrick on their toes with our lightning round of “Think Fast” questions.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve...
2024-09-1614 minBest of Financial SanityBest of Financial Sanity Episode 36 - A Great Wealth TransferImagine $90 trillion dollars – that’s trillion with a “T,” – transferring from one generation to another. What sort of impact could that have on that generation? Well, apparently, that’s exactly what could happen. According to industry professionals, an American generation, one that already exists, may soon be the wealthiest generation in human history – and it might not be the generation you think.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern ret...
2024-09-0914 minBest of Financial SanityBest of Financial Sanity Episode 35 - Stock Market VolatilityMarket volatility is a part of life for those of us who rely on investments as part of our overall retirement plan. For many retirees, this represents one of the scariest parts of their plan – and this past month has reminded us all why. Recently, markets have been anything but predictable, rising and falling in response to geopolitical changes and the economy. What does the market really look like now and what should we expect going forward?Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are go...
2024-09-0213 minBest of Financial SanityBest of Financial Sanity Episode 34 - Retirement Puzzle CubeThere are a lot of moving parts when it comes to preparing for retirement. When should I take my Social Security? When might I accidentally trigger higher taxes? What if I make a wrong move with my retirement savings? Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so yo...
2024-08-2614 minBest of Financial SanityBest of Financial Sanity Episode 33 - More Retirements in the U.SIt’s no secret that with the baby boomer generation reaching full retirement age, we’re seeing more retirements in the U.S. than ever before. As a record number of employees begin to exit the workforce, many are left wondering what will the true impact be?Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can...
2024-08-1914 minBest of Financial SanityBest of Financial Sanity Episode 32 - More or Less Money in Retirement?If you ask most Americans if they want more or less money in retirement, I think you could feel pretty confident that everyone would say they’d would rather have more money. Who wouldn’t, right? It seems so obvious that the more money you have, the easier your retirement would be. Well, what if I told you that isn’t always true.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about...
2024-08-1214 minBest of Financial SanityBest of Financial Sanity Episode 31 - Three Risks, Part 1Too many people approach financial planning through rose-colored glasses. They are planning for the best-case scenario and hoping the worst doesn’t happen. But the truth is, there are several big risks to your money that could “sink your ship” in retirement: catastrophic illness or a medical emergency … the death of a spouse … or the costs of living a long and healthy life. Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the moder...
2024-08-0513 minBest of Financial SanityBest of Financial Sanity Episode 30 - Make Your Money Work For Yout’s not what you make, it’s what you keep that counts. As you start to think about your finances and retirement have you ever considered this? Some so many people tell you ‘it’s less about the number of dollars you’ve saved and more about strategies you use with your savings.’Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and...
2024-07-2913 minBest of Financial SanityBest of Financial Sanity Episode 29 - Decision 2024As we grind closer to Election Day 2024, how do we sort through the campaign promises and political rhetoric?Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
2024-07-2213 minBest of Financial SanityBest of Financial Sanity Episode 28 - Who Killed the 60-40 Rule?For decades it was a reliable way to allocate your money for retirement. A safer formula for success in the future. How could it all go so wrong after serving retirees well for so many years? What could have brought about the demise of the beloved 60/40 rule? Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services c...
2024-07-1514 minBest of Financial SanityBest of Financial Sanity Episode 27 - The Psychology of MoneyThere are millions of articles online about investing, tax planning, budgeting, and everything you can think of when it comes to planning for retirement. When it comes to your financial future, knowledge is power. But, there is more to financial success than book smarts, there is a psychology of money.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of...
2024-07-0814 minBest of Financial SanityBest of Financial Sanity Episode 26 - Retirement Checklist 2 Nearly 70 percent of Americans are missing a written financial plan and 57 percent have NEVER talked to a financial planner about retirement. People without a plan tend to feel less confident about their future. So how do you get started on a path to more confidence through planning? Today we’re going through our “retirement checklist” to help you get a handle on what you might be missing.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so...
2024-07-0113 minBest of Financial SanityBest of Financial Sanity Episode 25 - Test Drive Your RetirementYou can test drive a car or an RV, but what about your retirement? Patrick Ayers is here to share some tips to think about before you make the leap into retirement.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It i...
2024-06-2413 minBest of Financial SanityBest of Financial Sanity Episode 24 - National Debt Continues to RiseOur national debt seems to be growing at a rapid pace with no signs of slowing down. Taxes are likely to go up in just a few short years. Prices on everything from groceries to gas to prescription drugs seem to be constantly on the rise. Can your finances withstand all this pressure?Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President...
2024-06-1713 minBest of Financial SanityBest of Financial Sanity Episode 23 - Would You Rather?Retirees face a lot of choices when they get to retirement. It can feel like quite a dilemma trying to make a final decision with what you’ll do and where you’ll go. Then there are all the tough financial questions as well! It’s kind of like the longest game of “Would You Rather” that you’ll ever play.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retir...
2024-06-1014 minBest of Financial SanityBest of Financial Sanity Episode 22 - Tax Cuts and Jobs ActThe clock is ticking on our current tax rates. If you aren’t prepared for a tax increase in the next few years, you might want to stay with us today as Patrick Ayers explains ways you can take advantage of today’s low tax rates before they go back up.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of A...
2024-06-0313 minBest of Financial SanityBest of Financial Sanity Episode 21 - Retirement Checklist 2Nearly 70 percent of Americans are missing a written financial plan and 57 percent have NEVER talked to a financial planner about retirement. People without a plan tend to feel less confident about their future. So how do you get started on a path to more confidence through planning? Today we’re going through our “retirement checklist” to help you get a handle on what you might be missing.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so...
2024-05-2713 minBest of Financial SanityBest of Financial Sanity Episode 20 - Financial Junk DrawerWe all have that one drawer in our home – the junk drawer. Most of the time it’s in the kitchen. And you know what you’ll find in there: batteries, rubber bands, power cords to some forgotten device. Random bits and pieces that at one time seemed important enough to keep but are in desperate need of organization.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local...
2024-05-2014 minBest of Financial SanityBest of Financial Sanity Episode 19 - Mailbag Questions: Long-term Care, Company Letting People GoPatrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
2024-05-1313 minBest of Financial SanityBest of Financial Sanity Episode 18 - Make Your Money Work for YouRetirement planning is like driving in fog. You can't always see through it, but you shouldn’t stop. Slow down, use your headlights and trust your gut. Same with retirement - can't see the finish line? No worries. Patience, planning and guidance will help get you there.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services ca...
2024-05-0613 minBest of Financial SanityBest of Financial Sanity Episode 17 - Living to 100If you live to age 100, will your retirement savings last as long as you do? There’s a big expense that many people forget to include when they’re doing the math on how long their money will last.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you...
2024-04-2913 minBest of Financial SanityBest of Financial Sanity Episode 16 - Mailbag Questions: Annuities? TOO Much Life Insurance??Are annuities a good retirement tool? Can you have TOO much life insurance? Patrick gets questions each and every week about all things retirement. Let's open our Financial Sanity mailbag and go over some common retirement questions.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can...
2024-04-2214 minBest of Financial SanityBest of Financial Sanity Episode 15 - Retirement ChecklistAccording to a new Axios/Ipsos poll, one in five Americans believe they’ll never retire, 62 percent of people who aren't retired yet believe Social Security won't even cover half their expenses and only 33 percent of Americans have a written financial plan. This means nearly 70 percent of us don’t have a written strategy for our money. But there are some simple steps you can take to gauge your preparedness for retirement … it’s as easy as checking off the boxes on our retirement checklist.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, i...
2024-04-1514 minBest of Financial SanityBest of Financial Sanity Episode 14 - Retirement ChecklistAccording to a new Axios/Ipsos poll, one in five Americans believe they’ll never retire, 62 percent of people who aren't retired yet believe Social Security won't even cover half their expenses and only 33 percent of Americans have a written financial plan. Of course, there are some simple steps you can take to gauge your preparedness for retirement and it’s as easy as checking off the boxes on our retirement checklist.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Secu...
2024-04-0813 minBest of Financial SanityBest of Financial Sanity Episode 13 - Our Nation's DebtWhat does our nation’s debt picture look like? If you’re not sure how much money our country owes, and how that could impact individual taxpayers … stay tuned.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain...
2024-04-0113 minBest of Financial SanityBest of Financial Sanity Episode 12 - Financial Sanity Time Machine - 2008It’s been more than 15 years since one of the biggest financial meltdowns of our lifetime. What have we learned since then? Today we’re going back to 2008 in our Financial Sanity Time Machine.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling reti...
2024-03-2514 minBest of Financial SanityBest of Financial Sanity Episode 11 - Getting to Know Patrick AyersYou hear Patrick’s voice on the radio and perhaps you’ve seen their face on advertising around your area… maybe you even have a friend or an acquaintance who works with Patrick. But how much do you really know about him? Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financi...
2024-03-1814 minBest of Financial SanityBest of Financial Sanity Episode 10 - Timeless AdviceThere are some words of wisdom that stand the test of time and now we’ll share some timeless advice for you to keep in mind for your retirement.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to re...
2024-03-1114 minBest of Financial SanityBest of Financial Sanity Episode 9 - Mailbag Questions: Why Should I Have a Financial Advisor?Patrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
2024-03-0414 minBest of Financial SanityBest of Financial Sanity Episode 8 - Mailbag QuestionsI’ve got questions. You’ve got questions. We’ve all got questions! Patrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achi...
2024-02-2614 minBest of Financial SanityBest of Financial Sanity Episode 7 - Peak 65“Peak 65” is here with record numbers of baby boomers turning 65 in 2024. That means millions of Americans will be facing decisions about Medicare, when to retire, and when to start Social Security.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time...
2024-02-1913 minBest of Financial SanityBest of Financial Sanity Episode 6 - History of TaxesAccording to the saying, nothing is certain except death and taxes. And that tax impact is something you just can’t escape, even in retirement. But, there are steps you can take to help reduce the impact of taxes on your retirement savings.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a cl...
2024-02-1214 minBest of Financial SanityBest of Financial Sanity Episode 5 - Interest Rates Potentially Decreasing in 2024After several years of increases in interest rates, the Federal Reserve has signaled a shift. As the Fed prepares to start cutting interest rates, what are some financial moves you might want to consider? We’ll cover that today and much more.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear fin...
2024-02-0513 minBest of Financial SanityBest of Financial Sanity Episode 4 - 2024 Retirement ForecastIs 2024 your year to retire? Today we have your retirement forecast for 2024, so you can understand the key factors you might want to consider before you enter this next phase of your life.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement...
2024-01-2914 minBest of Financial SanityBest of Financial Sanity Episode 3 - Financial Habits to BreakAny time is a good time to break a bad habit. Whether you want to make improvements in your routine at home, your job performance at work, with your physical health or your financial health, the time to make a positive change for your future … is right now.Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Se...
2024-01-2214 minBest of Financial SanityBest of Financial Sanity Episode 2 - Financial LiteracyMost Americans get a failing grade when it comes to retirement literacy, according to The American College of Financial Services. 89 percent of female participants flunked a 38-question quiz. 72 percent of men failed the quiz. Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling...
2024-01-2214 minBest of Financial SanityBest of Financial Sanity Episode 1 - New Year, New ChangesWhat changes will the New Year bring for programs like Social Security and Medicare? And the IRS has made some recent changes that could be pretty costly for some of you. We’ll tell you what to expect and so much more today. Welcome to Financial Sanity with Patrick AyersWith so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a cle...
2024-01-2214 min