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PODCAST

Financial Sanity with Patrick Ayers

DISCLOSURE: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.

business investing

All Episodes

56:53

Retirement Income Faces Tax Challenges - May 3, 2025

Financial Sanity with Patrick Ayers ·

2025/05/05

After years of diligent saving and investing, many people are thrilled to see their retirement accounts grow. And while that's certainly an achievement worth celebrating, there's a sobering reality to consider - Uncle Sam is patiently waiting to collect his share of every dollar you withdraw from those tax-deferred accounts.For more information on retirement planning, visit ayersfinancial.com!

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56:53

Optimizing Social Security - April 26, 2025

Financial Sanity with Patrick Ayers ·

2025/04/28

Many retirees depend heavily on Social Security, aiming to help maximize their returns from this important income source. However, navigating the system's complexities often proves challenging, leaving many to question the best way to optimize the benefits they will receive over their lifetime.For more information on retirement planning, visit ayersfinancial.com!

en

56:53

Retirement for Small Business Owners - April 19, 2025

Financial Sanity with Patrick Ayers ·

2025/04/21

Did you know that if you're running your own business then you've got a few extra twists and turns on the road to retirement? No 401(k)? No problem. Today, we're digging into how you can get retirement-ready when a corporate 401(k) isn't part of the picture.For more information on retirement planning, visit ayersfinancial.com!

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56:53

Creating Dependable Retirement Income - April 12, 2025

Financial Sanity with Patrick Ayers ·

2025/04/14

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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56:53

Balance Your Retirement Portfolio Now - April 5, 2025

Financial Sanity with Patrick Ayers ·

2025/04/07

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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56:53

Creating a Lasting Legacy - March 29, 2025

Financial Sanity with Patrick Ayers ·

2025/03/31

It’s easy to make assumptions about what goes into a legacy plan, but Patrick will help make it clear for you as we dive into the basics of creating a lasting legacy for your family. For more information on retirement planning, visit ayersfinancial.com!

en

56:53

Maximize Your Retirement Income - March 22, 2025

Financial Sanity with Patrick Ayers ·

2025/03/24

You’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 to help you optimize your retirement income. You can make the most out of your retirement by taking these strategic but simple steps.For more information on retirement planning, visit ayersfinancial.com!

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56:53

The Five Financial Stages of Life - March 15, 2025

Financial Sanity with Patrick Ayers ·

2025/03/17

You might remember Rod Stewarts’s song Ooh La La, and the line that states: “I wish I knew what I know now, when I was younger!” How many times have we all wished that? Hanna Meiners is a freelance copywriter and content expert, and recently she wrote “Things I would tell my 20-year old Self”. She provides the 10 things she would tell her 20-year-old self.For more information on retirement planning, visit ayersfinancial.com!

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56:53

Planning for Large IRAs - March 8, 2025

Financial Sanity with Patrick Ayers ·

2025/03/10

If you have money in a tax deferred retirement account like a 401k or an IRA, you may want to be aware of new retirement planning rules. The Secure Act and Secure Act 2.0 could have an even bigger impact on people who have saved $250,000 or more. For more information on retirement planning, visit ayersfinancial.com!

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56:53

Tackling Twin Threats of Taxes and Inflation - March...

Financial Sanity with Patrick Ayers ·

2025/03/03

When we think about risks to retirement, it’s natural to focus on the big, dramatic market downturns—like those we’ve seen in the past and will undoubtedly face again in the future. But those aren’t the only threats. The looming possibility of higher taxes, persistent inflation, and other challenges all contribute to the very real fear of outliving your savings.For more information on retirement planning, visit ayersfinancial.com!

en

56:52

Growing Government Debt - February 22, 2025

Financial Sanity with Patrick Ayers ·

2025/02/24

In 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 reality of your retirement years.For more information on retirement planning, visit ayersfinancial.com!

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56:53

Retirement Puzzle Cube - February 15, 2025

Financial Sanity with Patrick Ayers ·

2025/02/17

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? There are so many decisions that can impact each other that you could say retirement planning is almost like trying to figure out one of those puzzle cubes.For more information on retirement planning, visit ayersfinancial.com!

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56:53

Preserving And Optimizing Your 401k - February 8, 2025

Financial Sanity with Patrick Ayers ·

2025/02/10

Preparing for a retirement that could last 30 years or more is no small feat. With many relying on withdrawals from their 401(k) or similar retirement plans for essential income, preserving and optimizing these funds is important.For more information on retirement planning, visit ayersfinancial.com!

en

56:53

Preserving Your Retirement From Taxes - February 1, 2025

Financial Sanity with Patrick Ayers ·

2025/02/03

The IRS tax code is full of thousands of sections, each with its own specific definitions, rules, and fees. And guess what? Taxpayers are legally bound to follow all of them. We all know we need to file our taxes every year, even though it can be overwhelming and complicated. But there’s a more proactive approach pre-retirees should take.For more information on retirement planning, visit ayersfinancial.com!

en

56:53

Taxes in Retirement - January 25, 2025

Financial Sanity with Patrick Ayers ·

2025/01/27

The IRS tax code is full of thousands of sections, each with its own specific definitions, rules, and fees. And guess what? Taxpayers are legally bound to follow all of them. We all know we need to file our taxes every year, even though it can be overwhelming and complicated. Patrick goes through the difference between tax preparation and tax planning.

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56:53

Tackling the Twin Threats of Taxes and Inflation -...

Financial Sanity with Patrick Ayers ·

2025/01/20

When we think about risks to retirement, it’s natural to focus on the big, dramatic market downturns—like those we’ve seen in the past and will undoubtedly face again in the future. But those aren’t the only threats. The looming possibility of higher taxes, persistent inflation, and other challenges all contribute to the very real fear of outliving your savings.For more information on retirement planning, visit ayersfinancial.com!

en

56:53

Planning for the Future as a Family - January 11, 2025

Financial Sanity with Patrick Ayers ·

2025/01/13

Four 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 future together. And preparing for the future as a family through estate and legacy planning … is definitely a good thing.

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56:53

The Client Experience - January 4, 2025

Financial Sanity with Patrick Ayers ·

2025/01/06

A phone call or website can seem so impersonal. Or worse, it could be a financial scam. At least, those are possible thoughts one may have before they visit someone to handle their finances in retirement. It can be a scary thought to go out there and do something new. So, to help provide more confidence to face the unknown, this show will focus on what the process is like for a potential new client first meeting with a financial professional and what this meeting and process may entail.

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56:53

Retirement Checklist - December 28, 2024

Financial Sanity with Patrick Ayers ·

2024/12/30

According to a new Axios/Ipsos poll, one in five Americans believe they’ll never retire, 62 percent of people who aren't retired yet believe Social Security won't even cover half their expenses and only 33 percent of Americans have a written financial plan. This means nearly 70 percent of us don’t have a written strategy for our money. But there are some simple steps you can take to gauge your preparedness for retirement … it’s as easy as checking off the boxes on our retirement checklist.

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56:53

Optimizing Social Security - December 21, 2024

Financial Sanity with Patrick Ayers ·

2024/12/23

Many retirees depend heavily on Social Security, aiming to help maximize their returns from this important income source. However, navigating the system's complexities often proves challenging, leaving many to question the best way to optimize the benefits they will receive over their lifetime.

en

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