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.
The Reality of Retirement Spending
"Will your retirement look anything like you plannedâor 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 surprises to the real ebb and flow of spending after leaving work, youâll hear candid listener questions, vivid stories, and tough truths about why âset it and forget itâ just doesnât cut it for todayâs retirees. Discover how the seasons of retirement, unexpected tax twists, and financial nostalgia all shape the journeyâand why your plan canât afford to stand still...
Roth Conversions 2.0
What if the things you depend on most in retirementâlike Social Security, healthcare, and the 4% ruleâarenât as reliable as you think? The modern retirement landscape is full of hidden risks, tough choices, and swirling uncertainty that can leave anyone feeling overwhelmed. In this episode, Patrick Ayers shares the unspoken realities that could define your financial future, demystifying common misconceptions and offering strategic insights to help you face the facts with clarity and confidence. Discover which pitfalls are most often overlookedâand why the difference between surviving and thriving in retirement may depend on hard truths few people want to...
Four Retirement Unknowns
Is financial success making you complacentâor dangerously overexposed? Explore the hidden risks that come with market highs, why âall-time highsâ might spell trouble for your nest egg, and the crucial checkpoints every pre-retiree and retiree should tackle before the year slips away. This episode dives into balancing growth with defense, avoiding costly planning mistakes, and understanding the unpredictable curveballsâtaxes, inflation, healthcare, and moreâthat could reshape your retirement comfort. The biggest risks may be the ones you never see comingâŚ
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandab...
Creating Dependable Retirement Income
Is your retirement planning drowning in uncertainty and confusion? Taxes, Social Security, and Wall Street seem to create endless noise, but there are ways to cut through the chaos. Join Patrick Ayers and Bruce Steinbrock as they tackle listener questions, uncover overlooked pitfalls, and reveal key insights for building a secure, fulfilling retirement. Discover how a small paradigm shiftâand a personalized approachâcan help restore clarity and confidence, while leaving you eager for the practical steps they share.
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many...
Make Your Money Work for You
Is your retirement plan immune to the latest headline frenzy? Facing a storm of investment buzz and irresistible new financial products, even experienced savers risk costly missteps without a steady plan. In this episode, Patrick Ayers reveals the hidden pitfalls, emotional traps, and essential mindset shifts every retiree must know. Discover why knowing "your number" and trusting a proven strategy could matter more than everâwhile the rest of the world chases clicks and chaos.
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going fi...
Reality of Retirement
Most retirement planning assumes your expenses will immediately drop when you stop working - maybe needing only 70-80% of your working income. But what if that conventional wisdom is completely wrong? What if retirement spending actually follows a very different pattern than the neat, predictable decline that financial calculators assume? Why do you think that retirement spending assumptions often miss the mark?
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty...
The Retirement Tightrope
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Time Machine 1975
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Retirement Tax Shock
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Creating Dependable Retirement Income
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Reasons to Fire Your Advisor
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Preserving and Optimizing Your 401k
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Acting Your Financial Age
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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The Reality of Retirement Spending
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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The Cost of Conflict
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Is a Recession on the Horizon
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Dozen Dirty Scams to Avoid
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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The Retirement Paycheck Predicament
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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The Longevity Challenge
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Retirement Optimism
"Feeling lost as retirement approaches? What happens when decades-old rules no longer apply and the old guarantees have disappeared?" In this episode, discover how rising inflation, longer lifespans, and shifting responsibilities are redefining what it means to retire securely. Explore Patrick Ayers' insights from Roanokeâwhere clarity, confidence, and adaptability are the new essentials for financial peace of mind. The true keys to a lasting, fulfilling retirement may not be what you expect.
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Ta...
Protected Income - February 28
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Taxes in Retirement - February 21
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Acting Your Age - February 14
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Dozen Dirty Financial Scams to Avoid - February 7th
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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2026 Financial Forecast and Tax Trivia - January 31st
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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2026 Retirement Forecast - January 24th, 2026
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Tax Savvy Strategies for 2026 - January 17th, 2026
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Resolutions and Listener Mailbag - January 10th, 2026
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Financial Resolutions - January 3rd, 2026
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Habits of the Quietly Wealthy - December 27, 2025
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Christmas Special - December 20, 2025
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Think Fast Game - December 13, 2025
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Listener Mailbag Questions - 12062025
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Thanksgiving Special - November 29, 2025
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Active vs Passive Retirement Income - November 22nd, 2025
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity.
Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR.
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Financial Literacy - November 15th, 2025
Do you think youâd make the grade when it comes to financial literacy? Most Americans between the ages of 50 and 75 scored low marks when it comes to a retirement income literacy quiz, according to The American College of Financial Services. Patrick Ayers goes over interesting ways to improve on your financial literacy score!
Welcome to Financial Sanity with Patrick Ayers
With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Aye...
Current Moods Regarding Taxes, Market Volatility and Inflation - 11082025
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...
The Dirty Dozen: Tax Scams to Avoid - November 1st, 2025
Today, weâll be looking at the âDirty Dozen.â 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.
Retirement Income Puzzle - October 25, 2025
Today weâre talking about something that touches nearly every retiree: Social Security â and specifically, the new cost-of-living adjustment thatâs 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...
Growing Heath Care Expenses - October 18, 2025
New data shows retirees in 2025 are facing massive health care expenses â averaging around $172,500 over their retirement years. Many are not planning for this, and those surprise costs could erode their savings fast. Todayâs show explains ways to build a plan that can help protect you â including health, savings, and income â 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 th...
