Best of Financial Sanity

Too 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 Financ...

t’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 Ayers With so much financial noise, it's understandable why so many people are go...

As we grind closer to Election Day 2024, how do we sort through the campaign promises and political rhetoric? 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...Patri...

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

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

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...

You 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 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...

Our 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 Ayers With so much financial noise, it's understandable why so many people...

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

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

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...

We 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 Ayers With so much financial noise, it's und...

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 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 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 Ayers With so much financial noise, it's understandable why so many people are going fin...

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

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

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...

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. 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 o...

What 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 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 moder...

It’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 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...

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

There 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 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. L...

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 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...

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

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