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, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can...

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, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can...

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, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can...

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, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can...

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, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can...

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, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can...

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, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can...

Do 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 Ayers With so much financial n...

A 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 Ayers With so much financial noise,...

Today, we’ll be looking at the “Dirty Dozen.” These are some of the tax scams the IRS has flagged for us to avoid 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...P...

Today we’re talking about something that touches nearly every retiree: Social Security — and specifically, the new cost-of-living adjustment that’s about to be announced. 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 abou...

New data shows retirees in 2025 are facing massive health care expenses — averaging around $172,500 over their retirement years. Many are not planning for this, and those surprise costs could erode their savings fast. Today’s show explains ways to build a plan that can help protect you — including health, savings, and income — and invites listeners to a free retirement income & healthcare cost...

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?" We also discuss the current state of Roth Conversions and how to be strategic with them. Welcome to Financial Sanity with Patrick...

You 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...

Some people spend decades diligently saving for retirement, watching their 401(k)s and IRAs grow. But here's an important question many fail to ask: "How much of that money will I actually get to keep after taxes?" If you have a million dollars in your retirement account, Uncle Sam could be entitled to a significant amount of that—depending on your tax situation. Welcome to Financial Sanity with P...

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...

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? Welco...

We all know it’s important to save for retirement. But how do we preserve what we’ve saved? This is a big deal to most of us, with more than 90 percent of consumers believing it’s important to protect their retirement assets.  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, Wal...

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...

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...

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 ! Looking for specific information about today's topic? Check out our resources page ! Welcome to Financial Sanity with Patrick Ayers With so muc...

A good financial professional helps you reach your retirement goals. A poor one, however, can hold you back. You might say the wrong financial advice is actually worse than going it alone on your 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 Pa...

Most retirement planning assumes your expenses will immediately drop when you stop working - maybe needing only 70-80% of your working income. But what if that conventional wisdom is completely wrong? What if retirement spending actually follows a very different pattern than the neat, predictable decline that financial calculators assume? For more information on retirement planning, visit ayersfin...

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 ! L...

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 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 on retirement planning, visit ayersfinancial.com ! Looking for specific information about today's topic? Ch...