Financial Sanity with Patrick Ayers

People already find retirement planning overwhelming—and just when they feel like they’ve finally got everything in place and their plan is on track, their financial advisor steps in and says it’s time to rebalance. Suddenly, they’re again faced with having to make decisions they were uncomfortable making in the first place. For more information on retirement planning, visit ayersfinancial.com ! W...

It’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 Ayers With so much financial noise, it's understandable why so many people are going financially insane....

You’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 inform...

You 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 plan...

If 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 Ayers With so much financial noise, it's...

When 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...

In 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 Aye...

There 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 r...

Preparing 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 Ayers With so much financial noise, it's understandable...

The 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 ayersfin...

The 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 Ayer...

When 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...

Four 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...

A 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 clien...

According 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 pr...

Many 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 Ayers With so much financial noise, it's understandable why so...

You’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 F...

As 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 P...

It’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 Ayers With...

In 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 Ayers W...

Retirement for Small Business Owners - November 16, 2024 by Financial Sanity with Patrick Ayers Welcome to Financial Sanity with Patrick Ayers With 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, Pres...