Best of Financial Sanity

The annual Social Security and Medicare Trustees report estimates that the Social Security retirement trust will run short of money in 2033. Understanding how to prepare for the possibility of lower Social Security payments is critical for people preparing for retirement. Listeners are invited to meet with the advisor for a Social Security Impact Review. For more information on retirement planning...

The penalty for failing to withdraw the full Required Minimum Distribution (RMD) or missing a deadline is set at 25% of the unwithdrawn amount. You do not want steep penalties and potentially higher taxes swiping away at your retirement savings, leaving you with a fraction of the money you were counting on for retirement. For more information on retirement planning, visit ayersfinancial.com ! Look...

Big changes to your retirement could be coming. Will the ‘Big, Beautiful Bill’ help protect your savings, or will it bring new risks? Stay tuned to find out. Today we’re breaking it all down and helping show you ways to stay ahead. For more information on retirement planning, visit ayersfinancial.com ! Looking for specific information about today's topic? Check out our resources page ! Welcome to...

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?    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 S...

Remember when you were working, and you could count on a regular paycheck hitting your bank account every month? For many retirees, that predictable income is replaced by constantly checking portfolio values and worrying about market fluctuations. But retirement doesn't have to feel like a financial rollercoaster. For more information on retirement planning, visit ayersfinancial.com ! Looking for...

Many people assume that their taxes will go down once they stop working. While this might be true for some of you, for many, taxes could actually become one of your biggest expenses in 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...

Immediately after China and the U.S. announced a temporary trade truce, the markets saw huge gains across the board. How should people planning for retirement react to big swings in the market like that? 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 Patric...

Today, 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 Ayers With so much financial noise, it...

In 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 m...

There 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 informa...

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… which means nearly 70 percent of us do not. For more information on retirement planning, visit ayersfinancial.com ! Welcome to Financial Sani...

The 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...

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 Ayers With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthca...

Could we be headed toward a recession? Some economists say that we have a 40% chance of an economic downturn. Today we are going to share simple steps that could help preserve your money if the market takes a dive. 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 peop...

Feeling nervous when the markets drop? Worried you might be missing out when they’re climbing? You’re not alone—these ups and downs can be stressful for anyone, no matter how experienced. But today we’ll talk about how to help protect your savings and even find ways to make the most out of a shaky market. For more information on retirement planning, visit ayersfinancial.com ! Welcome to Financial...

It'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 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 uncertai...

We'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 Ayers With so much financial noise, it's understandable why so many peopl...

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...

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. 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. Taxes, Social Security,...

Join 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 Ayers With so much financial noise,...

Donald 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 Ayers With so much financ...

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...

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 Ay...

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. 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,...

It’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 Ayers With so much financial noise, it's unders...