https://www.spreaker.com/podcast/best-of-financial-sanity-with-patrick-ayers--6416586Securities 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/0502752a81dd8717e292bae03a76c185.jpghttps://www.spreaker.com/podcast/best-of-financial-sanity-with-patrick-ayers--6416586Sat, 29 Aug 2026 13:03:03 +0000Patrick AyersPatrick Ayershello@ayersfinancial.comWith 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...Securities 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.]]>false8f655184-4e18-51af-97ac-d8dd9e6a8df4episodichttps://www.spreaker.com/episode/episode-139-make-your-money-work-for-you-financial-sanity--74724574
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.
]]>https://api.spreaker.com/episode/74724574Sat, 29 Aug 2026 13:00:02 +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.
]]>3416falsefullhttps://www.spreaker.com/episode/episode-138-the-retirement-tax-shock-financial-sanity--74411589
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.
]]>https://api.spreaker.com/episode/74411589Sat, 22 Aug 2026 13:00:03 +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.
]]>3411falsefullhttps://www.spreaker.com/episode/episode-137-the-retirement-tightrope-financial-sanity--73935496
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.
]]>https://api.spreaker.com/episode/73935496Sat, 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.
]]>3412falsefullhttps://www.spreaker.com/episode/episode-136-the-marathon-of-her-life-financial-sanity--73571699
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.
]]>https://api.spreaker.com/episode/73571699Sat, 08 Aug 2026 13:00:06 +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.
]]>3416falsefullhttps://www.spreaker.com/episode/episode-135-the-reality-of-retirement-spending-financial-sanity--73265894In 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.
]]>https://api.spreaker.com/episode/73265894Sat, 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.
]]>3416falsefullhttps://www.spreaker.com/episode/episode-134-roth-conversions-2-0-financial-sanity--73133631
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.
]]>https://api.spreaker.com/episode/73133631Sat, 25 Jul 2026 13:00:03 +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.
]]>3416falsefullhttps://www.spreaker.com/episode/episode-133-four-retirement-unknowns-financial-sanity--73017833
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.
]]>https://api.spreaker.com/episode/73017833Sat, 18 Jul 2026 13:00:03 +0000Patrick Ayers3412falsefullhttps://www.spreaker.com/episode/episode-132-creating-dependable-retirement-income-financial-sanity--72951238
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.
]]>https://api.spreaker.com/episode/72951238Mon, 13 Jul 2026 15:30:35 +0000Patrick Ayers3412falsefullhttps://www.spreaker.com/episode/episode-131-make-your-money-work-for-you-financial-sanity--72841364
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.
]]>https://api.spreaker.com/episode/72841364Mon, 06 Jul 2026 16:41:46 +0000Patrick Ayers3412falsefullhttps://www.spreaker.com/episode/episode-130-reality-of-retirement-financial-sanity--72589793
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.
]]>https://api.spreaker.com/episode/72589793Sat, 27 Jun 2026 14:05:03 +0000Patrick Ayers3412falsefullhttps://www.spreaker.com/episode/episode-129-the-retirement-tightrope-financial-sanity--72589803
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.
]]>https://api.spreaker.com/episode/72589803Sat, 20 Jun 2026 14:05:02 +0000Patrick Ayers3412falsefullhttps://www.spreaker.com/episode/episode-128-time-machine-1975-financial-sanity--72478866
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.
]]>https://api.spreaker.com/episode/72478866Sat, 13 Jun 2026 13:10:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-127-retirement-tax-shock-financial-sanity--72420606
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.
]]>https://api.spreaker.com/episode/72420606Mon, 08 Jun 2026 15:50:15 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-126-creating-dependable-retirement-income-financial-sanity--72233221
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.
]]>https://api.spreaker.com/episode/72233221Sat, 30 May 2026 14:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-125-reasons-to-fire-your-advisor-financial-sanity--72115234
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.
]]>https://api.spreaker.com/episode/72115234Sat, 23 May 2026 14:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-124-building-essential-retirement-income-financial-sanity--72022901
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.
]]>https://api.spreaker.com/episode/72022901Sat, 16 May 2026 13:50:03 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-123-preserving-your-401k-financial-sanity--71858498
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.
]]>https://api.spreaker.com/episode/71858498Sat, 09 May 2026 13:45:01 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-122-acting-your-financial-age-financial-sanity--71858495
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.
]]>https://api.spreaker.com/episode/71858495Mon, 04 May 2026 15:43:36 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-121-the-reality-of-retirement-spending-financial-sanity--71562219
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.
]]>https://api.spreaker.com/episode/71562219Sat, 25 Apr 2026 13:30:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-120-the-cost-of-conflict-financial-sanity--71218320
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.
]]>https://api.spreaker.com/episode/71218320Sat, 18 Apr 2026 13:45:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-119-continued-conflicts-in-iran-financial-sanity--71084862
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.
]]>https://api.spreaker.com/episode/71084862Sat, 11 Apr 2026 13:40:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-118-is-a-recession-on-the-horizon-financial-sanity--71083896
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.
]]>https://api.spreaker.com/episode/71083896Sat, 04 Apr 2026 13:30:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-117-dozen-dirty-scams-to-avoid--70998128
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.
]]>https://api.spreaker.com/episode/70998128Mon, 30 Mar 2026 14:13:45 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-116-the-retirement-paycheck-predicament-financial-sanity--70778878
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.
]]>https://api.spreaker.com/episode/70778878Sat, 21 Mar 2026 14:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-115-the-longevity-challenge-financial-sanity--70778703
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.
]]>https://api.spreaker.com/episode/70778703Fri, 20 Mar 2026 13:12:50 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-114-retirement-optimism--70529175
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.
]]>https://api.spreaker.com/episode/70529175Sat, 07 Mar 2026 22:00:00 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-113-protected-income--70226604
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.
]]>https://api.spreaker.com/episode/70226604Sat, 28 Feb 2026 14:00:02 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-112-taxes-in-retirement--70226606
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.
]]>https://api.spreaker.com/episode/70226606Mon, 23 Feb 2026 14:54:03 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-111-acting-your-age-asset-allocation--70045543
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.
]]>https://api.spreaker.com/episode/70045543Sat, 14 Feb 2026 14:00:03 +0000Patrick Ayers3416falsefullhttps://www.spreaker.com/episode/episode-110-dozen-dirty-scams-to-avoid-financial-sanity--69789555
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.
]]>https://api.spreaker.com/episode/69789555Sat, 07 Feb 2026 11:40:02 +0000Patrick Ayers851falsefullhttps://www.spreaker.com/episode/episode-109-january-headlines-financial-sanity--69665539
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.
]]>https://api.spreaker.com/episode/69665539Sat, 31 Jan 2026 11:00:07 +0000Patrick Ayers868falsefullhttps://www.spreaker.com/episode/episode-108-2026-retirement-forecast-financial-sanity--69547625
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.
]]>https://api.spreaker.com/episode/69547625Sat, 24 Jan 2026 11:00:09 +0000Patrick Ayers880falsefullhttps://www.spreaker.com/episode/episode-107-clearing-up-6-common-myths-about-retirement-financial-sanity--69456476
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.
]]>https://api.spreaker.com/episode/69456476Sat, 17 Jan 2026 14:00:08 +0000Patrick Ayers862falsefullhttps://www.spreaker.com/episode/episode-106-listener-mailbag-financial-sanity--69371931
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.
]]>https://api.spreaker.com/episode/69371931Sat, 10 Jan 2026 11:00:07 +0000Patrick Ayers854falsefullhttps://www.spreaker.com/episode/episode-105-financial-resolutions-financial-sanity--69280153
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.
]]>https://api.spreaker.com/episode/69280153Mon, 05 Jan 2026 12:00:09 +0000Patrick Ayers827falsefullhttps://www.spreaker.com/episode/episode-104-habits-of-the-quietly-wealthy-financial-sanity--69280136
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.
]]>https://api.spreaker.com/episode/69280136Fri, 02 Jan 2026 16:01:25 +0000Patrick Ayers861falsefullhttps://www.spreaker.com/episode/episode-103-financial-strategies-around-the-holidays-financial-sanity--69137569
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.
]]>https://api.spreaker.com/episode/69137569Sat, 20 Dec 2025 11:00:08 +0000Patrick Ayers875falsefullhttps://www.spreaker.com/episode/episode-102-think-fast-game-financial-sanity--68992364
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.
]]>https://api.spreaker.com/episode/68992364Sat, 13 Dec 2025 11:00:08 +0000Patrick Ayers836falsefullhttps://www.spreaker.com/episode/episode-101-listener-mailbag-questions-financial-sanity--68900045
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.
]]>https://api.spreaker.com/episode/68900045Sat, 06 Dec 2025 10:00:18 +0000Patrick Ayers849falsefullhttps://www.spreaker.com/episode/episode-100-thanksgiving-special-financial-sanity--68762058
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.
]]>https://api.spreaker.com/episode/68762058Sat, 29 Nov 2025 10:00:20 +0000Patrick Ayers864falsefullhttps://www.spreaker.com/episode/episode-99-listener-mailbag-questions-financial-sanity--68679432
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.
]]>https://api.spreaker.com/episode/68679432Sat, 22 Nov 2025 10:00:20 +0000Patrick Ayers813falsefullhttps://www.spreaker.com/episode/episode-98-financial-literacy-financial-sanity--68565409
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.
]]>https://api.spreaker.com/episode/68565409Sat, 15 Nov 2025 10:00:19 +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.
]]>847falsefullhttps://www.spreaker.com/episode/episode-97-key-financial-habits-for-retirees-financial-sanity--68461915A 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.
]]>https://api.spreaker.com/episode/68461915Sat, 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.
]]>853falsefullhttps://www.spreaker.com/episode/episode-96-the-dirty-dozen-scams-to-avoid--68349702
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.
]]>https://api.spreaker.com/episode/68349702Sat, 01 Nov 2025 09:00:16 +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.
]]>856falsefullhttps://www.spreaker.com/episode/episode-95-retirement-income-puzzle-financial-sanity--68265060
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.
]]>https://api.spreaker.com/episode/68265060Sat, 25 Oct 2025 09:00:16 +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.
]]>852falsefullhttps://www.spreaker.com/episode/episode-94-latest-on-the-government-shutdown--68193945New 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.
]]>https://api.spreaker.com/episode/68193945Sat, 18 Oct 2025 14:48:01 +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.
]]>853falsefullhttps://www.spreaker.com/episode/episode-93-hey-look-federal-interest-rates-dropped-sort-of--68093120
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.
]]>https://api.spreaker.com/episode/68093120Sat, 11 Oct 2025 09:00:15 +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...
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.
]]>860falsefullhttps://www.spreaker.com/episode/episode-92-how-much-will-you-spend-in-retirement--67999147
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.
]]>https://api.spreaker.com/episode/67999147Sat, 04 Oct 2025 09:00:17 +0000Patrick Ayers836falsefullhttps://www.spreaker.com/episode/episode-91-tax-savvy-strategies--67901191
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.
]]>https://api.spreaker.com/episode/67901191Mon, 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.
]]>852falsefullhttps://www.spreaker.com/episode/episode-90-optimizing-social-security--67850950
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.
]]>https://api.spreaker.com/episode/67850950Mon, 22 Sep 2025 13:32:04 +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.
]]>842falsefullhttps://www.spreaker.com/episode/episode-89-active-vs-passive--67739523
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.
]]>https://api.spreaker.com/episode/67739523Mon, 15 Sep 2025 10:00:10 +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.
]]>858falsefullhttps://www.spreaker.com/episode/episode-88-one-big-beautiful-bill--67648240
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.
]]>https://api.spreaker.com/episode/67648240Mon, 08 Sep 2025 10:00:08 +0000Patrick AyersAny financial plan you made before July might need an update. Today, we’ll share what you need to know about the sweeping changes to tax policy under the One Big Beautiful Bill Act signed into law in July and why it might be time to take another look...
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.
]]>837falsefullhttps://www.spreaker.com/episode/episode-87-retirement-checklist-part-4--67557370Axios/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.
]]>https://api.spreaker.com/episode/67557370Mon, 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.
]]>845falsefullhttps://www.spreaker.com/episode/episode-86-the-client-experience-part-2--67506851
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.
]]>https://api.spreaker.com/episode/67506851Mon, 25 Aug 2025 14:30:41 +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.
]]>845falsefullhttps://www.spreaker.com/episode/episode-85-clearing-up-6-common-myths-about-retirement--67380538common myths about retirement and help you plan more savvy.

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.
]]>https://api.spreaker.com/episode/67380538Mon, 18 Aug 2025 10:00:08 +0000Patrick AyersRetirement is one of life’s biggest milestones, but there are a lot of myths out there that can lead to costly mistakes. Today, Patrick will bust some of the most https://www.ncoa.org/article/debunking-the-top-6-financial-myths-about-retirement/ about...common myths about retirement and help you plan more savvy.

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.
]]>858falsefullhttps://www.spreaker.com/episode/episode-84-reasons-to-fire-your-advisor--67307176
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.
]]>https://api.spreaker.com/episode/67307176Mon, 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.
]]>828falsefullhttps://www.spreaker.com/episode/episode-83-big-beautiful-bill--67221364
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.
]]>https://api.spreaker.com/episode/67221364Mon, 04 Aug 2025 10:00:13 +0000Patrick AyersToday, we're diving into what the Big Beautiful Bill could mean for your taxes, your future, and your retirement plans. For more information on retirement planning, visit https://ayersfinancial.com/! Looking for specific information about today's...
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.
]]>832falsefullhttps://www.spreaker.com/episode/episode-82-balance-your-retirement-portfolio--67112576
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.
]]>https://api.spreaker.com/episode/67112576Mon, 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.
]]>837falsefullhttps://www.spreaker.com/episode/episode-81-will-social-security-be-there-for-you--67055650
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.
]]>https://api.spreaker.com/episode/67055650Mon, 21 Jul 2025 13:28:23 +0000Patrick AyersThe annual Social Security and Medicare Trustees report estimates that the Social Security retirement trust will run short of money in 2033. Understanding how to prepare for the possibility of lower Social Security payments is critical for people...
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.
]]>866falsefullhttps://www.spreaker.com/episode/episode-80-maximize-your-retirement-income-part-3--67055627penalty for failing to withdraw the full Required Minimum Distribution (RMD) or missing a deadline is set at 25% of the unwithdrawn amount. You do not want steep penalties and potentially higher taxes swiping away at your retirement savings, leaving you with a fraction of the money you were counting on for retirement.

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

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.
]]>https://api.spreaker.com/episode/67055627Mon, 21 Jul 2025 13:26:48 +0000Patrick AyersThe https://www.schwab.com/learn/story/required-minimum-distributions-what-you-should-know for failing to withdraw the full Required Minimum Distribution (RMD) or missing a deadline is set at 25% of the unwithdrawn amount. You do not want steep...penalty for failing to withdraw the full Required Minimum Distribution (RMD) or missing a deadline is set at 25% of the unwithdrawn amount. You do not want steep penalties and potentially higher taxes swiping away at your retirement savings, leaving you with a fraction of the money you were counting on for retirement.

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

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.
]]>856falsefullhttps://www.spreaker.com/episode/episode-79-one-big-beautiful-bill--66854588
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.
]]>https://api.spreaker.com/episode/66854588Mon, 07 Jul 2025 10:00:08 +0000Patrick AyersBig changes to your retirement could be coming. Will the ‘Big, Beautiful Bill’ help protect your savings, or will it bring new risks? Stay tuned to find out. Today we’re breaking it all down and helping show you ways to stay ahead. For more...
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.
]]>847falsefullhttps://www.spreaker.com/episode/episode-78-retirement-puzzle-cube-part-2--66776665
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.
]]>https://api.spreaker.com/episode/66776665Mon, 30 Jun 2025 10:00:08 +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.
]]>842falsefullhttps://www.spreaker.com/episode/episode-77-creating-dependable-retirement-income--66707648
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.
]]>https://api.spreaker.com/episode/66707648Mon, 23 Jun 2025 14:15:54 +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.
]]>854falsefullhttps://www.spreaker.com/episode/episode-76-taxes-in-retirement--66551790
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.
]]>https://api.spreaker.com/episode/66551790Mon, 16 Jun 2025 10:00:09 +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.
]]>847falsefullhttps://www.spreaker.com/episode/episode-75-u-s-and-china-pause-tariffs--66423924
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.
]]>https://api.spreaker.com/episode/66423924Mon, 09 Jun 2025 10:00:07 +0000Patrick AyersImmediately after China and the U.S. announced a temporary trade truce, the markets saw huge gains across the board. How should people planning for retirement react to big swings in the market like that? For more information on retirement planning,...
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.
]]>839falsefullhttps://www.spreaker.com/episode/episode-74-the-dirty-dozen--66342919some of the tax scams the IRS has flagged for us to avoid. We’ll discuss some of these today with Patrick.

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

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

Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it'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.
]]>https://api.spreaker.com/episode/66342919Mon, 02 Jun 2025 10:00:09 +0000Patrick AyersToday, we’ll be looking at the “Dirty Dozen.” These are https://www.irs.gov/newsroom/dirty-dozen-tax-scams-for-2025-irs-warns-taxpayers-to-watch-out-for-dangerous-threats. We’ll discuss some of these today with Patrick. For more information on...some of the tax scams the IRS has flagged for us to avoid. We’ll discuss some of these today with Patrick.

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

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

Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it'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.
]]>858falsefullhttps://www.spreaker.com/episode/episode-73-getting-to-know-patrick-ayers--66211117
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.
]]>https://api.spreaker.com/episode/66211117Mon, 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.
]]>839falsefullhttps://www.spreaker.com/episode/episode-72-timeless-advice-maya-angelou-paul-samuelson-and-george-washington--66157784timeless advice and how it can relate to 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.
]]>https://api.spreaker.com/episode/66157784Mon, 19 May 2025 21:19:06 +0000Patrick AyersThere are some quotes that just stick in your mind. It could have come from a grandparent, a parent, or any famous person who offered a bit of wisdom for you to hold onto. And some words of wisdom stand the test of time. Patrick will go over some...timeless advice and how it can relate to retirement.

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

Looking for specific 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.
]]>870falsefullhttps://www.spreaker.com/episode/episode-71-retirement-checklist-4--66021751Axios/Ipsos poll, one in five Americans believe they’ll never retire, 62 percent of people who aren't retired yet believe Social Security won't even cover half their expenses and only 33 percent of Americans have a written financial plan… which means nearly 70 percent of us do not.

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

Welcome to Financial 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.
]]>https://api.spreaker.com/episode/66021751Mon, 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… which means nearly 70 percent of us do not.

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.
]]>843falsefullhttps://www.spreaker.com/episode/episode-70-don-t-time-the-market--65859015
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.
]]>https://api.spreaker.com/episode/65859015Mon, 05 May 2025 10:00:09 +0000Patrick AyersThe stock market’s been on a wild ride lately—from steep drops to record-breaking gains, all in the span of a week. For retirees, these swings can feel nerve-wracking. But what if there’s a way to help make sense of it all? Today Patrick will talk...
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.
]]>850falsefullhttps://www.spreaker.com/episode/episode-69-taxes-trivia--65728932 Patrick to the test with a round of retirement trivia and our topic this week is … Taxes.

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

Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, 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.
]]>https://api.spreaker.com/episode/65728932Mon, 28 Apr 2025 10:00:08 +0000Patrick AyersNow we’re going to take a little time to put Patrick to the test with a round of retirement trivia and our topic this week is … Taxes. For more information on retirement planning, visit https://ayersfinancial.com/! Patrick to the test with a round of retirement trivia and our topic this week is … Taxes.

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

Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, 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.
]]>850falsefullhttps://www.spreaker.com/episode/episode-68-a-recession-may-be-coming-it-s-not-too-late-to-prepare--65625297
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.
]]>https://api.spreaker.com/episode/65625297Mon, 21 Apr 2025 10:00:08 +0000Patrick AyersCould we be headed toward a recession? Some economists say that we have a 40% chance of an economic downturn. Today we are going to share simple steps that could help preserve your money if the market takes a dive. For more information on retirement...
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.
]]>846falsefullhttps://www.spreaker.com/episode/episode-67-what-to-do-during-market-volatility--65540439
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.
]]>https://api.spreaker.com/episode/65540439Mon, 14 Apr 2025 10:00:07 +0000Patrick AyersFeeling nervous when the markets drop? Worried you might be missing out when they’re climbing? You’re not alone—these ups and downs can be stressful for anyone, no matter how experienced. But today we’ll talk about how to help protect your savings and...
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.
]]>836falsefullhttps://www.spreaker.com/episode/episode-66-healthcare-trivia--65336768
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.
]]>https://api.spreaker.com/episode/65336768Mon, 07 Apr 2025 10:00:08 +0000Patrick AyersIt's time to put Patrick to the test with a round of retirement trivia. Our topic this week is healthcare! For more information on retirement planning, visit https://ayersfinancial.com/!
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.
]]>848falsefullhttps://www.spreaker.com/episode/episode-65-tariffs-and-trade-wars--65194783
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.
]]>https://api.spreaker.com/episode/65194783Mon, 31 Mar 2025 10:00:07 +0000Patrick AyersWe've been hearing a lot about "trade wars" in the news lately. All this talk has shaken up the markets. Today, Patrick has some simple tips to help protect your retirement savings from the market’s ups and downs. For more information on retirement...
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.
]]>848falsefullhttps://www.spreaker.com/episode/episode-64-maximize-your-retirement-income-part-2--65086958strategic 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.
]]>https://api.spreaker.com/episode/65086958Mon, 24 Mar 2025 19:40:12 +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.
]]>819falsefullhttps://www.spreaker.com/episode/episode-63-mailbag-questions-spending-too-much-money-too-fast-maximizing-vs-optimizing-social-security--64886584
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.
]]>https://api.spreaker.com/episode/64886584Mon, 17 Mar 2025 11:00:08 +0000Patrick AyersPatrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions. For more information on retirement planning, visit https://ayersfinancial.com/!
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.
]]>860falsefullhttps://www.spreaker.com/episode/episode-62-time-machine-1974--64752762
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.
]]>https://api.spreaker.com/episode/64752762Mon, 10 Mar 2025 11:00:07 +0000Patrick AyersJoin Patrick and Bruce as they take a fun trip back to 1974! They connect the big moments and pop culture of the year to smart retirement planning tips for today. Learn how the economic events of the past can help you shape a secure financial future....
For more information on retirement planning, visit ayersfinancial.com!

Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, 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.
]]>870falsefullhttps://www.spreaker.com/episode/episode-61-2025-main-topic-taxes--64680510now to take advantage of today’s lower tax rates.

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

Welcome to Financial Sanity with Patrick Ayers

With so much 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.
]]>https://api.spreaker.com/episode/64680510Mon, 03 Mar 2025 21:35:48 +0000Patrick AyersDonald Trump ran for President on the promise of extending the 2017 tax cuts. But he might have a hard time keeping that promise. Patrick shares what you need to know about current tax policy and how you can act now to take advantage of today’s lower...now to take advantage of today’s lower tax rates.

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

Welcome to Financial Sanity with Patrick Ayers

With so much 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.
]]>846falsefullhttps://www.spreaker.com/episode/episode-60-growing-government-debt--64499498
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.
]]>https://api.spreaker.com/episode/64499498Mon, 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.
]]>819falsefullhttps://www.spreaker.com/episode/episode-59-where-will-you-live-in-retirement--64360277
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.
]]>https://api.spreaker.com/episode/64360277Mon, 17 Feb 2025 11:00:07 +0000Patrick AyersWhere do you plan to live in retirement? Will you stay in your current home, or will you downsize? Who will inherit your house one day? Those are some big questions. Today, we will talk through the importance of finding those answers to help you feel...
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.
]]>850falsefullhttps://www.spreaker.com/episode/episode-58-preserving-and-optimizing-your-401k--64255797
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.
]]>https://api.spreaker.com/episode/64255797Mon, 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.
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.
]]>831falsefullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-57-new-year-new-administration--64050898
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.
]]>https://api.spreaker.com/episode/64050898Mon, 03 Feb 2025 11:00:08 +0000Patrick AyersIt’s a New Year and a new government, too! What could a single party controlled White House and Congress mean for your retirement? Today, Patrick Ayers, will tell us what we need to know as we look ahead toward the rest of 2025 and beyond. For more...
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.
]]>836falsefullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-56-mailbag-questions-how-much-might-i-need--63875592
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.
]]>https://api.spreaker.com/episode/63875592Mon, 27 Jan 2025 11:00:07 +0000Patrick AyersI’ve got questions. You’ve got questions. We’ve all got questions! Patrick Ayers will be answering questions in his Mailbag segment.
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.
]]>813falsefullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-55-financial-literacy--63729209
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.
]]>https://api.spreaker.com/episode/63729209Mon, 20 Jan 2025 13:00:07 +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. 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.
]]>853falsefullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-54-planning-for-the-future-as-a-family--63602707need 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.
]]>https://api.spreaker.com/episode/63602707Mon, 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.
]]>822false154fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-53-the-client-experience--63529833
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.
]]>https://api.spreaker.com/episode/63529833Mon, 06 Jan 2025 11:00:08 +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.
]]>828falsefullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-52-retirement-checklist-3--63449791Axios/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.
]]>https://api.spreaker.com/episode/63449791Mon, 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.
]]>843falsefullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-51-talking-about-finances-to-family--63340947
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.
]]>https://api.spreaker.com/episode/63340947Mon, 23 Dec 2024 11:00:07 +0000Patrick AyersWhen it comes to most of our families, money can be a very sensitive subject. As you’re getting into retirement, do you find it difficult to talk to your family about your finances? What about giving guidance to them – specifically, your children 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.
]]>842false151fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-50-maximize-your-retirement-income--63305339strategic 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.
]]>https://api.spreaker.com/episode/63305339Mon, 16 Dec 2024 11:00:07 +0000Patrick AyersYou’ve spent an entire career saving for retirement. 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. How can you make sure you’ve done enough?  Today we’re going to share...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.
]]>843falsefullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-49-taking-stock-of-2024--63033590
For more information about Patrick and the Ayers Financial team, 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.
]]>https://api.spreaker.com/episode/63033590Mon, 09 Dec 2024 11:30:07 +0000Patrick AyersThe New Year is getting closer and closer! We hope you’re looking back fondly on 2024 and, also, looking forward to 2025! However, as always, there’s still a little more work to do before you toast in the New Year. For more information about Patrick...
For more information about Patrick and the Ayers Financial team, 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.
]]>852false149fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-48-mailbag-questions-think-fast-cake-or-pie-first-car-dogs-or-cats--62970904
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.
]]>https://api.spreaker.com/episode/62970904Mon, 02 Dec 2024 11:00:07 +0000Patrick AyersWe want to get to YOUR questions in this part of the show, so we’ll get some insights from Patrick on your retirement concerns. Plus, we’re going to keep Patrick on his toes with our lightning round of “Think Fast” questions.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. 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.
]]>862false148fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-47-is-the-american-dream-attainable--63001067
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.
]]>https://api.spreaker.com/episode/63001067Mon, 25 Nov 2024 14:31:37 +0000Patrick AyersToday, we’re talking about the American dream. We don’t mean lavish wealth and incredible luxury. We're talking about the things that we all grow up wanting in our lives – a house, a couple of kids, a new car, a vacation once a year. It’s what you...
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.
]]>840false147fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-46-mailbag-questions-part-time-work-and-social-security--62969493
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.
]]>bb31a1ec-6682-4d3f-b55a-99fccde3e8ebMon, 18 Nov 2024 10:00:00 +0000Patrick AyersPatrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. 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.
]]>848false146fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-45-2024-election-reaction--62969498
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.
]]>0bf89b51-f3d6-40c4-a58a-77d7fb541251Mon, 11 Nov 2024 10:00:00 +0000Patrick AyersWe’ve finally reached the finish line of another marathon election cycle that was filled with more twists and turns than any political analyst could have predicted.  So now that we have some answers, where do we go from here?
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.
]]>863false145fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-44-mistake-with-iras--62969494
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.
]]>ef743a8d-7ecf-461d-9498-f56bea65204dMon, 04 Nov 2024 09:00:00 +0000Patrick AyersToday, we’re talking about a mistake that so many Americans make when it comes to their IRAs. Rolling over an employer-sponsored 401(k) into an IRA can be a great choice for so many of us – but, according to Vanguard, there’s one simple mistake that...
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.
]]>855false144fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-43-are-younger-generations-worse-off-for-retirement--62969505
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.
]]>24e0d6c9-e5df-47f1-94c4-ae6b8c62f13aMon, 28 Oct 2024 09:00:00 +0000Patrick AyersIf you’re a parent, you know firsthand – we want even better for our children in life than we want for ourselves. We want them to feel more confident, more stable, more prepared for the future. But, let me ask you this: compared to your parents, how...
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.
]]>835false143fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-42-mailbag-questions--62969495
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.
]]>a70e5417-4aa4-41f5-886e-109bd6081ae5Mon, 21 Oct 2024 09:00:00 +0000Patrick AyersPatrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. 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.
]]>805false142fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-41-inheritance-and-probate--62969501
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.
]]>06292191-6082-4ce2-a9b0-593cb548dfaeMon, 14 Oct 2024 09:00:00 +0000Patrick AyersHow much do you know about inheritance? I don’t just mean your decisions on what to leave behind to who. I mean the legal process of inheritance and what factors go into it – specifically, probate. If you’re like most Americans, you might be in 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.
]]>847false141fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-40-retirement-preparedness-manual--62969508
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.
]]>b6e7deb2-fa13-40c4-aa28-69b8235d3ba4Mon, 07 Oct 2024 09:00:00 +0000Patrick AyersIt’s important to prepare for financial risks that might threaten your confidence in retirement. Volatility and economic downturns, periods of recession, and high inflation are financial risks that we can’t prevent but we can certainly prepare for. 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.
]]>828false140fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-39-behavioral-finance-and-you--62969511
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.
]]>c05b8dcb-601d-47d7-a3c2-ec71f7f369fcMon, 30 Sep 2024 09:00:00 +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.
]]>840false139fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-38-how-confident-do-you-feel-about-social-security--62969497
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.
]]>6e2360b7-9731-42a3-a001-345447d98682Mon, 23 Sep 2024 09:00:00 +0000Patrick AyersNo matter what your retirement plan looks like, if you’re like most people, it’s very likely that Social Security is an important part of it – but do you feel confident about Social Security going into retirement? Do you think you’ll be able to rely...
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.
]]>829false138fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-37-think-fast--62969502
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.
]]>8966fae2-d10a-41b9-bf60-0d02813a42c0Mon, 16 Sep 2024 09:00:00 +0000Patrick AyersWe want to get to YOUR questions, so we’ll get some insights from Patrick on your retirement concerns. Plus, we’re going to keep Patrick on their toes with our lightning round of “Think Fast” questions.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. 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.
]]>858false137fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-36-a-great-wealth-transfer--62969506
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.
]]>0c86172a-9116-4731-8c8f-d89a63577c2bMon, 09 Sep 2024 09:00:00 +0000Patrick AyersImagine $90 trillion dollars – that’s trillion with a “T,” – transferring from one generation to another. What sort of impact could that have on that generation? Well, apparently, that’s exactly what could happen. According to industry professionals,...
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.
]]>860false136fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-35-stock-market-volatility--62969496
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.
]]>88c676ca-8cd5-471c-b18a-bb3635e301c3Mon, 02 Sep 2024 09:00:00 +0000Patrick AyersMarket volatility is a part of life for those of us who rely on investments as part of our overall retirement plan. For many retirees, this represents one of the scariest parts of their plan – and this past month has reminded us all why. Recently,...
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.
]]>839false135fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-34-retirement-puzzle-cube--62969514
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.
]]>6a83e8d1-5efa-4483-90d1-491591a2fa7dMon, 26 Aug 2024 09:00:00 +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?   
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.
]]>860false134fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-33-more-retirements-in-the-u-s--62969516
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.
]]>f08ebc6e-dd9c-4a02-a8b6-fb78762e1722Mon, 19 Aug 2024 09:00:00 +0000Patrick AyersIt’s no secret that with the baby boomer generation reaching full retirement age, we’re seeing more retirements in the U.S. than ever before. As a record number of employees begin to exit the workforce, many are left wondering what will the true...
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.
]]>851false133fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-32-more-or-less-money-in-retirement--62969522
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.
]]>870b0bea-daec-4034-85c1-eaf0a0e874eeMon, 12 Aug 2024 09:00:00 +0000Patrick AyersIf you ask most Americans if they want more or less money in retirement, I think you could feel pretty confident that everyone would say they’d would rather have more money. Who wouldn’t, right? It seems so obvious that the more money you have, 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.
]]>842false132fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-31-three-risks-part-1--62969513
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.
]]>8dd01b52-b528-4b68-b927-c6f5e9981b1dMon, 05 Aug 2024 09:00:00 +0000Patrick AyersToo many people approach financial planning through rose-colored glasses. They are planning for the best-case scenario and hoping the worst doesn’t happen. But the truth is, there are several big risks to your money that could “sink your ship” in...
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.
]]>838false131fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-30-make-your-money-work-for-you--62969515
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.
]]>7943593f-432c-4e7d-8323-12a29fab847dMon, 29 Jul 2024 15:40:00 +0000Patrick Ayerst’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...
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.
]]>821false130fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-29-decision-2024--62969518
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.
]]>1b9f242d-165e-439b-9c14-d139e7d45e8eMon, 22 Jul 2024 09:00:00 +0000Patrick AyersAs we grind closer to Election Day 2024, how do we sort through the campaign promises and political rhetoric?
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...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.
]]>812false129fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-28-who-killed-the-60-40-rule--62969499
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.
]]>fb2f0424-6fd6-4241-8e44-7e6fe7f066f6Mon, 15 Jul 2024 09:00:00 +0000Patrick AyersFor decades it was a reliable way to allocate your money for retirement. A safer formula for success in the future. How could it all go so wrong after serving retirees well for so many years? What could have brought about the demise of the beloved...
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.
]]>842false128fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-27-the-psychology-of-money--62969521
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.
]]>95f0d33f-63de-471a-804c-454a7fcfd66bMon, 08 Jul 2024 09:00:00 +0000Patrick AyersThere are millions of articles online about investing, tax planning, budgeting, and everything you can think of when it comes to planning for retirement. When it comes to your financial future, knowledge is power. But, there is more to financial...
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.
]]>846false127fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-26-retirement-checklist-2--62969523 Nearly 70 percent of Americans are missing a written financial plan and 57 percent have NEVER talked to a financial planner about retirement. People without a plan tend to feel less confident about their future. So how do you get started on a path to more confidence through planning? Today we’re going through our “retirement checklist” to help you get a handle on what you might be missing.

Welcome 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.
]]>ef37af31-37e5-4a98-a948-7fde5dc7e193Mon, 01 Jul 2024 09:00:00 +0000Patrick Ayershttps://www.schwab.com/resource-center/insights/content/does-financial-planning-help of Americans are missing a written financial plan and https://www.ipsos.com/en-us/axios-ipsos-retirement-survey have NEVER talked to a financial planner about... Nearly 70 percent of Americans are missing a written financial plan and 57 percent have NEVER talked to a financial planner about retirement. People without a plan tend to feel less confident about their future. So how do you get started on a path to more confidence through planning? Today we’re going through our “retirement checklist” to help you get a handle on what you might be missing.

Welcome 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.
]]>815false126fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-25-test-drive-your-retirement--62969536
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.
]]>89f563c4-b127-46d4-bf5b-1101fdc9ef1bMon, 24 Jun 2024 09:00:00 +0000Patrick AyersYou can test drive a car or an RV, but what about your retirement? Patrick Ayers  is here to share some tips to think about before you make the leap into retirement.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the 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.
]]>825false125fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-24-national-debt-continues-to-rise--62969529
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.
]]>ee1dbfbe-556f-42a1-9e39-d53365c3f205Mon, 17 Jun 2024 09:00:00 +0000Patrick AyersOur national debt seems to be growing at a rapid pace with no signs of slowing down. Taxes are likely to go up in just a few short years. Prices on everything from groceries to gas to prescription drugs seem to be constantly on the rise. Can your...
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.
]]>839false124fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-23-would-you-rather--62969530
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.
]]>b2c3946f-b25d-4298-a5ef-54f9cf9752f0Mon, 10 Jun 2024 09:00:00 +0000Patrick AyersRetirees face a lot of choices when they get to retirement. It can feel like quite a dilemma trying to make a final decision with what you’ll do and where you’ll go. Then there are all the tough financial questions as well! It’s kind of like the...
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.
]]>858false123fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-22-tax-cuts-and-jobs-act--62969525
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.
]]>cbfbdc98-08b9-4064-b26b-499dfeefb6e8Mon, 03 Jun 2024 09:00:00 +0000Patrick AyersThe clock is ticking on our current tax rates. If you aren’t prepared for a tax increase in the next few years, you might want to stay with us today as Patrick Ayers explains ways you can take advantage of today’s low tax rates before they go back up.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. 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.
]]>839false122fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-21-retirement-checklist-2--62969512
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.
]]>ce6d0e27-0c63-4dd9-977e-6a365881660aMon, 27 May 2024 09:00:00 +0000Patrick AyersNearly 70 percent of Americans are missing a written financial plan and 57 percent have NEVER talked to a financial planner about retirement. People without a plan tend to feel less confident about their future. So how do you get started on a path to...
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.
]]>815false121fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-20-financial-junk-drawer--62969534
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.
]]>0f0efa97-4a59-445a-8cbd-9b161fbfd805Mon, 20 May 2024 09:00:00 +0000Patrick AyersWe all have that one drawer in our home – the junk drawer. Most of the time it’s in the kitchen. And you know what you’ll find in there: batteries, rubber bands, power cords to some forgotten device. Random bits and pieces that at one time seemed...
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.
]]>858false120fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-19-mailbag-questions-long-term-care-company-letting-people-go--62969537
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.
]]>36a445e6-a01e-4f3c-bf66-2bd529fa38d2Mon, 13 May 2024 15:12:00 +0000Patrick AyersPatrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. 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.
]]>835false119fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-18-make-your-money-work-for-you--62969500
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.
]]>0f8476b1-6122-4aba-a514-ebfb85f15099Mon, 06 May 2024 14:53:00 +0000Patrick AyersRetirement planning is like driving in fog. You can't always see through it, but you shouldn’t stop. Slow down, use your headlights and trust your gut. Same with retirement - can't see the finish line? No worries. Patience, planning and guidance will...
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.
]]>838false118fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-17-living-to-100--62969538
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.
]]>714ec1ce-3c53-45f1-b4f2-b0d67cd079eeMon, 29 Apr 2024 14:51:00 +0000Patrick AyersIf you live to age 100, will your retirement savings last as long as you do? There’s a big expense that many people forget to include when they’re doing the math on how long their money will last.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there 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.
]]>821false117fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-16-mailbag-questions-annuities-too-much-life-insurance--62969527
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.
]]>fc071ace-752a-49ba-93f6-cca57825bc1bMon, 22 Apr 2024 09:00:00 +0000Patrick AyersAre annuities a good retirement tool? Can you have TOO much life insurance? Patrick gets questions each and every week about all things retirement. Let's open our Financial Sanity mailbag and go over some common retirement questions.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social 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.
]]>864false116fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-15-retirement-checklist--62969539 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.
]]>8b0a7890-3f3a-4e4e-ad8f-53df29f7d91bMon, 15 Apr 2024 09:00:00 +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... 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.
]]>850false115fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-14-retirement-checklist--62969504 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.

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.
]]>2464b487-f694-4eb2-b65d-a874200c0a12Mon, 08 Apr 2024 09:00:00 +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.

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.
]]>836false114fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-13-our-nation-s-debt--62969542
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.
]]>dcfdf865-c3c1-43ab-8b4b-ba55e43f9a40Mon, 01 Apr 2024 09:00:00 +0000Patrick AyersWhat does our nation’s debt picture look like? If you’re not sure how much money our country owes, and how that could impact individual taxpayers … stay tuned.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the 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.
]]>784false113fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-12-financial-sanity-time-machine-2008--62969507
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.
]]>a4ec0e33-2786-4583-83b3-4164c258218aMon, 25 Mar 2024 09:00:00 +0000Patrick AyersIt’s been more than 15 years since one of the biggest financial meltdowns of our lifetime. What have we learned since then? Today we’re going back to 2008 in our Financial Sanity Time Machine.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so 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.
]]>843false112fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-11-getting-to-know-patrick-ayers--62969543
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.
]]>a0768450-fc72-4f48-a933-9ea7ce0b2e30Mon, 18 Mar 2024 09:00:00 +0000Patrick AyersYou hear Patrick’s voice on the radio and perhaps you’ve seen their face on advertising around your area… maybe you even have a friend or an acquaintance who works with Patrick. But how much do you really know about him? 
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall 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.
]]>873false111fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-10-timeless-advice--62969541
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.
]]>1dc9d1c8-a2d0-41f3-8196-54905e642470Mon, 11 Mar 2024 09:00:00 +0000Patrick AyersThere are some words of wisdom that stand the test of time and now we’ll share some timeless advice for you to keep in mind for your retirement.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. 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.
]]>856false110fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-9-mailbag-questions-why-should-i-have-a-financial-advisor--62969544
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.
]]>6af6cd91-1046-49a2-831c-0a81b61cce73Mon, 04 Mar 2024 20:32:00 +0000Patrick AyersPatrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. 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.
]]>846false19fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-8-mailbag-questions--62969510
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.
]]>1abf71fa-170b-4d8f-b6ff-6959fc9b7592Mon, 26 Feb 2024 10:00:00 +0000Patrick AyersI’ve got questions. You’ve got questions. We’ve all got questions! Patrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall 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.
]]>860false18fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-7-peak-65--62969519
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.
]]>f797cede-bac0-4b9e-9dc5-21143ec764f7Mon, 19 Feb 2024 10:00:00 +0000Patrick Ayers“Peak 65” is here with record numbers of baby boomers turning 65 in 2024. That means millions of Americans will be facing decisions about Medicare, when to retire, and when to start Social Security.
Welcome to Financial Sanity with Patrick Ayers

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there 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.
]]>820false17fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-6-history-of-taxes--62969533
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.
]]>42cad564-5280-49c3-a190-106d7f9d3f35Mon, 12 Feb 2024 10:00:00 +0000Patrick AyersAccording to the saying, nothing is certain except death and taxes. And that tax impact is something you just can’t escape, even in retirement. But, there are steps you can take to help reduce the impact of taxes on your retirement savings.
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.
]]>848false16fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-5-interest-rates-potentially-decreasing-in-2024--62969535
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.
]]>9a3fa01a-93ed-44d8-aa57-e534b338e6b4Mon, 05 Feb 2024 10:00:00 +0000Patrick AyersAfter several years of increases in interest rates, the Federal Reserve has signaled a shift.  As the Fed prepares to start cutting interest rates, what are some financial moves you might want to consider? We’ll cover that today and much more.
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.
]]>836false15fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-4-2024-retirement-forecast--62969540
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.
]]>d2998d02-c11f-4cc1-a3bb-bfad5675bd46Mon, 29 Jan 2024 10:00:00 +0000Patrick AyersIs 2024 your year to retire? Today we have your retirement forecast for 2024, so you can understand the key factors you might want to consider before you enter this next phase of your life.
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.
]]>851false14fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-3-financial-habits-to-break--62969545
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.
]]>2ee6e312-946f-40e6-b094-a208b2d856f0Mon, 22 Jan 2024 10:10:00 +0000Patrick AyersAny time is a good time to break a bad habit. Whether you want to make improvements in your routine at home, your job performance at work, with your physical health or your financial health, the time to make a positive change for your future … is...
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.
]]>846false13fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-2-financial-literacy--62969546

89 percent of female participants flunked a 38-question quiz.

72 percent of men failed the quiz.

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.
]]>51338fe9-6c3e-426b-bcc5-6d9ec23c66b1Mon, 22 Jan 2024 10:05:00 +0000Patrick AyersMost Americans get a failing grade when it comes to retirement literacy, according to The American College of Financial Services. - 89 percent of female participants flunked a 38-question quiz. - 72 percent of men failed the quiz.

89 percent of female participants flunked a 38-question quiz.

72 percent of men failed the quiz.

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.
]]>847false12fullhttps://www.spreaker.com/episode/best-of-financial-sanity-episode-1-new-year-new-changes--62969531
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.
]]>9e822fdc-d042-4758-afb9-ddd944d37bbdMon, 22 Jan 2024 10:00:00 +0000Patrick AyersWhat changes will the New Year bring for programs like Social Security and Medicare? And the IRS has made some recent changes that could be pretty costly for some of you. We’ll tell you what to expect and so much more today. 
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.
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