https://www.spreaker.com/podcast/financial-sanity-with-patrick-ayers--6416581Securities and investment advisory services are offered through Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a Registered Investment Advisor. MAS and Ayers Financial Services are not affiliated entities.]]>enInvestingCopyright Spencer Grosvenorhttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/7f769edfd233c4f44c58199b56d37fb6.jpghttps://www.spreaker.com/podcast/financial-sanity-with-patrick-ayers--6416581Sat, 29 Aug 2026 13:10:09 +0000Patrick AyersPatrick Ayerscatherine.herlocker@ayersfinancial.comPodcast by Financial Sanity with Patrick AyersSecurities and investment advisory services are offered through Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a Registered Investment Advisor. MAS and Ayers Financial Services are not affiliated entities.]]>false2e81e2a9-5bc5-507a-b4ac-a1eaf0c31667episodichttps://www.spreaker.com/episode/make-your-money-work-for-you--74724525
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/74724525Sat, 29 Aug 2026 13:10:02 +0000Patrick AyersIs your retirement plan just a headline or a real strategy? Explore the uncertainty swirling around taxes, Social Security, and Wall Street as Patrick Ayers unpacks why so many Americans feel unprepared—and how misplaced focus on “the number” can fuel...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3416falsefullhttps://www.spreaker.com/episode/the-retirement-tax-shock--74411426
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/74411426Sat, 22 Aug 2026 13:00:04 +0000Patrick Ayers“Are you ready for retirement’s hidden curveballs?” Money saved can vanish quickly if you don’t know the new rules—taxes, Social Security, investment risk, and more. Patrick Ayers unpacks the real challenges that trip up even the savviest savers and...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3411falsefullhttps://www.spreaker.com/episode/the-retirement-tightrope--73935348
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/73935348Sat, 15 Aug 2026 13:00:03 +0000Patrick AyersAre you prepared for the hidden pitfalls of modern retirement? With inflation rising, Social Security’s future uncertain, and healthcare costs skyrocketing, even your nest egg might not be safe. Patrick Ayers, a trusted local financial consultant,...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3412falsefullhttps://www.spreaker.com/episode/the-marathon-of-her-life--73571627
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/73571627Sat, 08 Aug 2026 13:00:05 +0000Patrick AyersIs $1.46 million the new price tag for peace of mind—or just a headline grabbing number? With financial noise louder than ever and retirement feeling more uncertain, Patrick Ayers unpacks the tricky realities behind the so-called magic 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. 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3416falsefullhttps://www.spreaker.com/episode/the-reality-of-retirement-spending--73265875In this episode, Patrick Ayers tackles the myths that make even experienced savers second-guess their future. From Social Security surprises to the real ebb and flow of spending after leaving work, you’ll hear candid listener questions, vivid stories, and tough truths about why ‘set it and forget it’ just doesn’t cut it for today’s retirees. Discover how the seasons of retirement, unexpected tax twists, and financial nostalgia all shape the journey—and why your plan can’t afford to stand still. What pitfalls could catch you off guard as you try to secure the next chapter?

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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/73265875Sat, 01 Aug 2026 13:00:03 +0000Patrick Ayers"Will your retirement look anything like you planned—or will rising costs and shifting rules leave you scrambling?" In this episode, Patrick Ayers tackles the myths that make even experienced savers second-guess their future. From Social Security...In this episode, Patrick Ayers tackles the myths that make even experienced savers second-guess their future. From Social Security surprises to the real ebb and flow of spending after leaving work, you’ll hear candid listener questions, vivid stories, and tough truths about why ‘set it and forget it’ just doesn’t cut it for today’s retirees. Discover how the seasons of retirement, unexpected tax twists, and financial nostalgia all shape the journey—and why your plan can’t afford to stand still. What pitfalls could catch you off guard as you try to secure the next chapter?

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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3416falsefullhttps://www.spreaker.com/episode/roth-conversions-2-0--73133576
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/73133576Sat, 25 Jul 2026 13:00:02 +0000Patrick AyersWhat if the things you depend on most in retirement—like Social Security, healthcare, and the 4% rule—aren’t as reliable as you think? The modern retirement landscape is full of hidden risks, tough choices, and swirling uncertainty that can leave...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3416falsefullhttps://www.spreaker.com/episode/four-retirement-unknowns--73017818
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/73017818Sat, 18 Jul 2026 13:00:02 +0000Patrick AyersIs financial success making you complacent—or dangerously overexposed? Explore the hidden risks that come with market highs, why “all-time highs” might spell trouble for your nest egg, and the crucial checkpoints every pre-retiree and retiree should...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3412falsefullhttps://www.spreaker.com/episode/creating-dependable-retirement-income--72898359
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/72898359Sat, 11 Jul 2026 13:00:02 +0000Patrick AyersIs your retirement planning drowning in uncertainty and confusion? Taxes, Social Security, and Wall Street seem to create endless noise, but there are ways to cut through the chaos. Join Patrick Ayers and Bruce Steinbrock as they tackle listener...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3412falsefullhttps://www.spreaker.com/episode/make-your-money-work-for-you--72794060
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/72794060Sat, 04 Jul 2026 13:00:02 +0000Patrick AyersIs your retirement plan immune to the latest headline frenzy? Facing a storm of investment buzz and irresistible new financial products, even experienced savers risk costly missteps without a steady plan. In this episode, Patrick Ayers reveals the...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3412falsefullhttps://www.spreaker.com/episode/reality-of-retirement--72745516
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/72745516Mon, 29 Jun 2026 18:43:20 +0000Patrick AyersMost 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...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3412falsefullhttps://www.spreaker.com/episode/the-retirement-tightrope--72585888Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/72585888Sat, 20 Jun 2026 13:00:02 +0000Patrick Ayers3412falsefullhttps://www.spreaker.com/episode/time-machine-1975--72502799Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/72502799Sat, 13 Jun 2026 13:00:03 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/retirement-tax-shock--72351051Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/72351051Sat, 06 Jun 2026 13:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/creating-dependable-retirement-income--72214359Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/72214359Sat, 30 May 2026 13:00:03 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/reasons-to-fire-your-advisor--72102821Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/72102821Sat, 23 May 2026 13:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/preserving-and-optimizing-your-401k--71911845Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/71911845Sat, 09 May 2026 13:00:03 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/acting-your-financial-age--71792639Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/71792639Sat, 02 May 2026 13:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/the-reality-of-retirement-spending--71594813Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/71594813Sat, 25 Apr 2026 13:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/the-cost-of-conflict--71407558Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/71407558Sat, 18 Apr 2026 13:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/is-a-recession-on-the-horizon--71068026Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/71068026Sat, 04 Apr 2026 13:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/dozen-dirty-scams-to-avoid--70903741Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/70903741Sat, 28 Mar 2026 13:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/the-retirement-paycheck-predicament--70903744Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/70903744Thu, 26 Mar 2026 19:33:11 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/the-longevity-challenge--70624912Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/70624912Sat, 14 Mar 2026 13:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/retirement-optimism--70508024
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/70508024Sat, 07 Mar 2026 14:00:03 +0000Patrick Ayers"Feeling lost as retirement approaches? What happens when decades-old rules no longer apply and the old guarantees have disappeared?" In this episode, discover how rising inflation, longer lifespans, and shifting responsibilities are redefining what...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3416falsefullhttps://www.spreaker.com/episode/protected-income-february-28--70307102Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/70307102Sat, 28 Feb 2026 14:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/taxes-in-retirement-february-21--70307095Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/70307095Thu, 26 Feb 2026 20:26:08 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/acting-your-age-february-14--70307086Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/70307086Thu, 26 Feb 2026 20:25:49 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/dozen-dirty-financial-scams-to-avoid-february-7th--69789567Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/69789567Sat, 07 Feb 2026 11:50:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/2026-financial-forecast-and-tax-trivia-january-31st--69665574Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/69665574Sat, 31 Jan 2026 11:25:07 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/2026-retirement-forecast-january-24th-2026--69547692Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/69547692Sat, 24 Jan 2026 11:00:08 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/tax-savvy-strategies-for-2026-january-17th-2026--69456531Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/69456531Sat, 17 Jan 2026 11:05:07 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/resolutions-and-listener-mailbag-january-10th-2026--69372059Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/69372059Sat, 10 Jan 2026 11:20:07 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/financial-resolutions-january-3rd-2026--69280183Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/69280183Sat, 03 Jan 2026 11:00:08 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/habits-of-the-quietly-wealthy-december-27-2025--69137573Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/69137573Sat, 27 Dec 2025 11:00:08 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/christmas-special-december-20-2025--69137579Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/69137579Sat, 20 Dec 2025 11:00:08 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/think-fast-game-december-13-2025--68992446Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/68992446Sat, 13 Dec 2025 11:00:08 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/listener-mailbag-questions-12062025--68900311Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/68900311Sat, 06 Dec 2025 10:00:20 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/thanksgiving-special-november-29-2025--68762088Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/68762088Sat, 29 Nov 2025 10:00:20 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/active-vs-passive-retirement-income-november-22nd-2025--68679475Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/68679475Sat, 22 Nov 2025 10:00:18 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/financial-literacy-november-15th-2025--68565433
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/68565433Sat, 15 Nov 2025 10:25:08 +0000Patrick AyersDo 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...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3416falsefullhttps://www.spreaker.com/episode/current-moods-regarding-taxes-market-volatility-and-inflation-11082025--68462260A 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, 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/68462260Sat, 08 Nov 2025 10:00:16 +0000Patrick AyersA 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...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, 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3416falsefullhttps://www.spreaker.com/episode/the-dirty-dozen-tax-scams-to-avoid-november-1st-2025--68349843
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/68349843Sat, 01 Nov 2025 09:00:15 +0000Patrick AyersToday, 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...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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3416falsefullhttps://www.spreaker.com/episode/retirement-income-puzzle-october-25-2025--68265140
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/68265140Sat, 25 Oct 2025 09:00:18 +0000Patrick AyersToday 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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3416falsefullhttps://www.spreaker.com/episode/growing-heath-care-expenses-october-18-2025--68193966New 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 analysis.

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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/68193966Mon, 20 Oct 2025 14:26:54 +0000Patrick AyersNew 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...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 analysis.

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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/federal-interest-rate-drops-and-roth-conversions-october-11-2025--68093191
We also discuss the current state of Roth Conversions and how to be strategic with them.

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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/68093191Sat, 11 Oct 2025 09:00:16 +0000Patrick AyersBig 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...
We also discuss the current state of Roth Conversions and how to be strategic with them.

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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3416falsefullhttps://www.spreaker.com/episode/behavioral-finance-and-you-october-4-2025--67999271
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67999271Sat, 04 Oct 2025 09:00:16 +0000Patrick AyersYou 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...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3416falsefullhttps://www.spreaker.com/episode/tax-savvy-strategies-september-27-2025--67901158
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67901158Mon, 29 Sep 2025 10:00:08 +0000Patrick AyersSome 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...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/optimizing-social-security-september-20-2025--67850915
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67850915Mon, 22 Sep 2025 13:30:57 +0000Patrick AyersMany 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...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/active-vs-passive-september-13-2025--67739504
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67739504Mon, 15 Sep 2025 10:00:09 +0000Patrick 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...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/protected-income-september-6-2025--67648232more 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, 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67648232Mon, 08 Sep 2025 10:00:08 +0000Patrick AyersWe 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 https://www.protectedincome.org/news/retirement-uncertainty-increases-interest-in-annuities-industry-study-finds/ of...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, 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/retirement-checklist-august-30-2025--67557364Axios/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 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67557364Mon, 01 Sep 2025 10:00:08 +0000Patrick Ayershttps://www.ipsos.com/en-us/axios-ipsos-retirement-survey, 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...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 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/the-client-experience-august-23-2025--67506840
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67506840Mon, 25 Aug 2025 14:29:21 +0000Patrick AyersA 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/creating-a-lasting-legacy-august-16-2025--67380508
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67380508Mon, 18 Aug 2025 10:00:08 +0000Patrick AyersIt’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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/reasons-to-fire-your-advisor-august-9-2025--67307148
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67307148Mon, 11 Aug 2025 10:00:08 +0000Patrick AyersA 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/the-reality-of-retirement-spending-august-2-2025--67221353
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67221353Mon, 04 Aug 2025 10:00:13 +0000Patrick AyersMost 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/balance-your-retirement-portfolio-july-26-2025--67112514
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67112514Mon, 28 Jul 2025 10:00:08 +0000Patrick AyersPeople 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/make-your-money-work-for-you-july-19-2025--67055659make, 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? Check out our resources page!

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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/67055659Mon, 21 Jul 2025 13:30:41 +0000Patrick AyersIt’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...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? Check out our resources page!

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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/maximize-your-retirement-income-july-12-2025--66920106Welcome 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/66920106Mon, 14 Jul 2025 13:00:07 +0000Patrick Ayers3413falsefullhttps://www.spreaker.com/episode/tax-savvy-strategies-july-5-2025--66854579
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/66854579Mon, 07 Jul 2025 10:00:08 +0000Patrick AyersSome 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/retirement-puzzle-cube-june-28-2025--66776694
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/66776694Mon, 30 Jun 2025 11:00:08 +0000Patrick AyersThere 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/creating-dependable-retirement-income-june-21-2025--66707633
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/66707633Mon, 23 Jun 2025 14:14:37 +0000Patrick AyersRemember 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/taxes-in-retirement-june-14-2025--66551807
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/66551807Mon, 16 Jun 2025 10:00:08 +0000Patrick AyersMany 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/preserving-and-optimizing-your-401k-june-7-2025--66423913
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/66423913Mon, 09 Jun 2025 10:00:08 +0000Patrick AyersPreparing 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/tackling-twin-threats-of-taxes-and-inflation-may-31-2025--66342894
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/66342894Mon, 02 Jun 2025 10:00:09 +0000Patrick AyersWhen 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/active-vs-passive-investing-may-25-2025--66211038
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/66211038Mon, 26 May 2025 11:00:07 +0000Patrick 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/growing-government-debt-may-17-2025--66157817
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/66157817Mon, 19 May 2025 21:20:54 +0000Patrick AyersIn 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...
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'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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/retirement-checklist-may-10-2025--66021661Axios/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.

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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/66021661Mon, 12 May 2025 10:00:10 +0000Patrick AyersAccording to a new https://www.ipsos.com/en-us/axios-ipsos-retirement-survey, 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...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.

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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/retirement-income-faces-tax-challenges-may-3-2025--65859044
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/65859044Mon, 05 May 2025 10:00:09 +0000Patrick AyersAfter years of diligent saving and investing, many people are thrilled to see their retirement accounts grow. And while that's certainly an achievement worth celebrating, there's a sobering reality to consider - Uncle Sam is patiently waiting to...
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/optimizing-social-security-april-26-2025--65728835
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/65728835Mon, 28 Apr 2025 10:00:08 +0000Patrick AyersMany 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...
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/retirement-for-small-business-owners-april-19-2025--65625254
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/65625254Mon, 21 Apr 2025 10:00:07 +0000Patrick AyersDid you know that if you're running your own business then you've got a few extra twists and turns on the road to retirement? No 401(k)? No problem. Today, we're digging into how you can get retirement-ready when a corporate 401(k) isn't part of the...
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/creating-dependable-retirement-income-april-12-2025--65540467
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/65540467Mon, 14 Apr 2025 10:00:07 +0000Patrick AyersRemember 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...
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/balance-your-retirement-portfolio-now-april-5-2025--65336791
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/65336791Mon, 07 Apr 2025 10:00:07 +0000Patrick AyersPeople 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...
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/creating-a-lasting-legacy-march-29-2025--65194814

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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/65194814Mon, 31 Mar 2025 10:00:07 +0000Patrick AyersIt’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...

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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/maximize-your-retirement-income-march-22-2025--65086965strategic but simple steps.

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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/65086965Mon, 24 Mar 2025 19:42:11 +0000Patrick AyersYou’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...strategic but simple steps.

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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/the-five-financial-stages-of-life-march-15-2025--64886544Things 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 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/64886544Mon, 17 Mar 2025 11:00:07 +0000Patrick AyersYou 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 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/planning-for-large-iras-march-8-2025--64753105

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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/64753105Mon, 10 Mar 2025 11:00:07 +0000Patrick AyersIf 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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/tackling-twin-threats-of-taxes-and-inflation-march-1-2025--64680278
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/64680278Mon, 03 Mar 2025 21:33:18 +0000Patrick AyersWhen 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...
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/growing-government-debt-february-22-2025--64499560
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/64499560Mon, 24 Feb 2025 11:00:07 +0000Patrick AyersIn 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...
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3412falsefullhttps://www.spreaker.com/episode/retirement-puzzle-cube-february-15-2025--64360254
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/64360254Mon, 17 Feb 2025 11:00:07 +0000Patrick AyersThere 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...
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/preserving-and-optimizing-your-401k-february-8-2025--64255821
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/64255821Mon, 10 Feb 2025 11:00:07 +0000Patrick AyersPreparing 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...
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/preserving-your-retirement-from-taxes-february-1-2025--64050928
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/64050928Mon, 03 Feb 2025 11:00:08 +0000Patrick AyersThe 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...
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/taxes-in-retirement-january-25-2025--63877450
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/63877450Mon, 27 Jan 2025 11:00:07 +0000Patrick AyersThe 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...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/tackling-the-twin-threats-of-taxes-and-inflation-january-18-2025--63729231
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/63729231Mon, 20 Jan 2025 13:00:07 +0000Patrick AyersWhen 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...
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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/planning-for-the-future-as-a-family-january-11-2025--63602739need 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 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/63602739Mon, 13 Jan 2025 11:00:07 +0000Patrick AyersFour 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...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 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/the-client-experience-january-4-2025--63529838
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/63529838Mon, 06 Jan 2025 11:00:07 +0000Patrick AyersA 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...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/retirement-checklist-december-28-2024--63449779Axios/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 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/63449779Mon, 30 Dec 2024 11:00:07 +0000Patrick Ayershttps://www.ipsos.com/en-us/axios-ipsos-retirement-survey, 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...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 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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/optimizing-social-security-december-21-2024--63340964
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/63340964Mon, 23 Dec 2024 11:00:08 +0000Patrick AyersMany 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...
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/maximize-your-retirement-income-december-14-2024--63305365strategic but simple steps.   

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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/63305365Mon, 16 Dec 2024 11:00:07 +0000Patrick AyersYou’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...strategic but simple steps.   

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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/falling-interest-rates-december-7-2024--63033612
For more information about Patrick Ayers, 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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/63033612Mon, 09 Dec 2024 11:30:07 +0000Patrick AyersAs 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...
For more information about Patrick Ayers, 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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/make-your-money-work-for-you-november-30-2024--62970931make, 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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/62970931Mon, 02 Dec 2024 11:00:07 +0000Patrick AyersIt’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...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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/growing-government-debt-threatens-higher-taxes-in-retirement-november-23-2024--62970955
For more information about Patrick Ayers, 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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>https://api.spreaker.com/episode/62970955Mon, 25 Nov 2024 11:00:07 +0000Patrick AyersIn 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...
For more information about Patrick Ayers, 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 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefullhttps://www.spreaker.com/episode/retirement-for-small-business-owners-november-16-2024--62969461
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 achieve a fulfilling retirement. It is time to regain your financial sanity.

Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>tag:soundcloud,2010:tracks/1961173331Mon, 18 Nov 2024 00:00:00 +0000Patrick AyersRetirement 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, 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 at 7:00 and Sundays at 8:00 on WFIR.

-- -- -- -- -- --

For more information on retirement planning, visit ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!]]>3413falsefull