Best of Financial Sanity

Best of Financial Sanity

With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity. DISCLOSURE: We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Securities and investment advisory services can only be solicited in the states where a financial professional is licensed and registered to do business in. Please inquire as to which states the financial professional is licensed and registered in before engaging in a business relationship. 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.

Episodes

Episode 85: Clearing Up 6 Common Myths About Retirement

August 18, 2025 • 14 mins
Retirement 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 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!
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Episode 84: Reasons to Fire Your Advisor

August 11, 2025 • 13 mins
A good financial professional helps you reach your retirement goals. A poor one, however, can hold you back. You might say the wrong financial advice is actually worse than going it alone on your retirement.

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

Looking for specific information about today's topic? Check out our resources page!
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Episode 83: Big Beautiful Bill

August 4, 2025 • 13 mins
Today, 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 ayersfinancial.com!

Looking for specific information about today's topic? Check out our resources page!
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Episode 82: Balance Your Retirement Portfolio

July 28, 2025 • 13 mins
People already find retirement planning overwhelming—and just when they feel like they’ve finally got everything in place and their plan is on track, their financial advisor steps in and says it’s time to rebalance. Suddenly, they’re again faced with having to make decisions they were uncomfortable making in the first place.

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

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Episode 81: Will Social Security Be There for You?

July 21, 2025 • 14 mins
The annual Social Security and Medicare Trustees report estimates that the Social Security retirement trust will run short of money in 2033. Understanding how to prepare for the possibility of lower Social Security payments is critical for people preparing for retirement. Listeners are invited to meet with the advisor for a Social Security Impact Review.

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

Looking f...
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Episode 80: Maximize Your Retirement Income, Part 3

July 21, 2025 • 14 mins
The penalty for failing to withdraw the full Required Minimum Distribution (RMD) or missing a deadline is set at 25% of the unwithdrawn amount. You do not want steep penalties and potentially higher taxes swiping away at your retirement savings, leaving you with a fraction of the money you were counting on for retirement.

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

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Episode 79: One Big, Beautiful Bill

July 7, 2025 • 14 mins
Big changes to your retirement could be coming. Will the ‘Big, Beautiful Bill’ help protect your savings, or will it bring new risks? Stay tuned to find out. Today we’re breaking it all down and helping show you ways to stay ahead.

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

Looking for specific information about today's topic? Check out our resources page!
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Episode 78: Retirement Puzzle Cube Part 2

June 30, 2025 • 14 mins
There are a lot of moving parts when it comes to preparing for retirement. When should I take my Social Security? When might I accidentally trigger higher taxes? What if I make a wrong move with my retirement savings?   

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

Looking for specific information about today's topic? Check out our resources page!
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Episode 77: Creating Dependable Retirement Income

June 23, 2025 • 14 mins
Remember when you were working, and you could count on a regular paycheck hitting your bank account every month? For many retirees, that predictable income is replaced by constantly checking portfolio values and worrying about market fluctuations. But retirement doesn't have to feel like a financial rollercoaster.

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

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Episode 76: Taxes in Retirement

June 16, 2025 • 14 mins
Many people assume that their taxes will go down once they stop working. While this might be true for some of you, for many, taxes could actually become one of your biggest expenses in retirement.

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

Looking for specific information about today's topic? Check out our resources page!
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Episode 75: U.S and China Pause Tariffs

June 9, 2025 • 13 mins
Immediately after China and the U.S. announced a temporary trade truce, the markets saw huge gains across the board. How should people planning for retirement react to big swings in the market like that?

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

Looking for specific information about today's topic? Check out our resources page!
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Episode 74: The Dirty Dozen

June 2, 2025 • 14 mins
Today, we’ll be looking at the “Dirty Dozen.” These are some of the tax scams the IRS has flagged for us to avoid. We’ll discuss some of these today with Patrick.

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

Looking for specific information about today's topic? Check out our resources page!
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Episode 73: Getting to Know Patrick Ayers

May 26, 2025 • 13 mins
In the world of investments, two approaches often dominate the conversation: active and passive investing. It's like choosing between a sports car that requires skilled handling or an SUV designed for a smoother, more predictable ride. While money has been flowing increasingly toward passive approaches in recent years, the question remains—which strategy is right for your retirement journey?

For more information on retirement planni...
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Episode 72: Timeless Advice - Maya Angelou, Paul Samuelson, and George Washington

May 19, 2025 • 14 mins
There are some quotes that just stick in your mind. It could have come from a grandparent, a parent, or any famous person who offered a bit of wisdom for you to hold onto. And some words of wisdom stand the test of time. Patrick will go over some timeless advice and how it can relate to retirement.

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

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Episode 71 - Retirement Checklist 4

May 12, 2025 • 14 mins
According to a new Axios/Ipsos poll, one in five Americans believe they’ll never retire, 62 percent of people who aren't retired yet believe Social Security won't even cover half their expenses and only 33 percent of Americans have a written financial plan… which means nearly 70 percent of us do not.

For more information on retirement planning, visit ayersfinancial.com!
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Episode 70 - Don't Time the Market

May 5, 2025 • 14 mins
The stock market’s been on a wild ride lately—from steep drops to record-breaking gains, all in the span of a week. For retirees, these swings can feel nerve-wracking. But what if there’s a way to help make sense of it all? Today Patrick will talk about savvy strategies to preserve your savings and help keep your retirement on track, no matter what the market throws your way.

For more information on retirement planning, visit ayersf...
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Episode 69 - Taxes Trivia!

April 28, 2025 • 14 mins
Now we’re going to take a little time to put Patrick to the test with a round of retirement trivia and our topic this week is … Taxes.

For more information on retirement planning, visit ayersfinancial.com!
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Episode 68 - A Recession May Be Coming. It's Not too Late to Prepare

April 21, 2025 • 14 mins
Could we be headed toward a recession? Some economists say that we have a 40% chance of an economic downturn. Today we are going to share simple steps that could help preserve your money if the market takes a dive.

For more information on retirement planning, visit ayersfinancial.com!
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Episode 67 - What to Do During Market Volatility

April 14, 2025 • 13 mins
Feeling nervous when the markets drop? Worried you might be missing out when they’re climbing? You’re not alone—these ups and downs can be stressful for anyone, no matter how experienced. But today we’ll talk about how to help protect your savings and even find ways to make the most out of a shaky market.

For more information on retirement planning, visit ayersfinancial.com!
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Episode 66 - Healthcare Trivia

April 7, 2025 • 14 mins
It's time to put Patrick to the test with a round of retirement trivia. Our topic this week is healthcare!

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