Financial Sanity with Patrick Ayers
by 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.
Episodes
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Building a Bridge to Retirement
"Is a million dollars still a ticket to a worry-free retirement—or is that just a myth in today’s world?" With the costs of living—and uncertainty—on the rise, Patrick Ayers unpacks what truly makes or breaks a retirement plan. From tax surprises to the critical difference between a pile of…
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Roth Conversions 2.0
Is your retirement plan as stable as you think—or is it a hidden money pit? With economic news changing by the hour, even seasoned savers are finding themselves lost in a maze of taxes, risk, and confusing advice. This episode tackles the five most common retirement questions people face, from...
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The Retirement Tightrope
"Could your nest egg survive a perfect storm of debt, taxes, and uncertain markets? Millions are losing financial sanity as hidden leaks—fees, inflation, and missed strategies—drain retirement savings. Patrick Ayers and Bruce dig deep into the true dangers facing today’s retirees: from…
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The Retirement Tax Shock
What if the people you expect to be most confident about retirement are actually plagued by doubt? In a world obsessed with spending and uncertainty, Patrick Ayers digs into a counterintuitive study revealing that those without children worry more about their financial future. Discover how…
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Creating Dependable Retirement Income
Can you really trust the old rule that $1 million is enough for a comfortable retirement? With rising costs, unpredictable markets, and shifting Social Security, Patrick Ayers explores why the real answer depends entirely on your own plan and priorities. This episode peels back the noisy myths,...
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Marathon of Her Life
“What if your ‘safe’ retirement plan is actually setting you up for a fall?” In an era where uncertainty swirls around taxes, Social Security, Wall Street, and healthcare, Patrick Ayers unpacks the five questions every future retiree should ask—before it’s too late. Discover why even diligent...
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Make Your Money Work for You
Is 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 anxiety. Dive into the dynamics that turn...
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The Retirement Tax Shock
“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 reveals why what worked during your career may...
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The Retirement Tightrope
Are 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, reveals the overlooked risks, eye-opening…
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The Marathon of Her Life
Is $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 number. Explore the true risks, the outdated…
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The Reality of Retirement Spending
"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 surprises to the real ebb and flow of spending…
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Roth Conversions 2.0
What 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 anyone feeling overwhelmed. In this episode…
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Four Retirement Unknowns
Is financial success making you complacent—or dangerously overexposed? Explore the hidden risks that come with market highs, why “all-time highs” might spell trouble for your nest egg, and the crucial checkpoints every pre-retiree and retiree should tackle before the year slips away. This episode...
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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...
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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...
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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...
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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...
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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Financial Literacy - November 15th, 2025
Do 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 Ayers goes over interesting ways to improve on...
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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...
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The Dirty Dozen: Tax Scams to Avoid - November 1st, 2025
Today, 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,...
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Retirement Income Puzzle - October 25, 2025
Today 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...
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Growing Heath Care Expenses - October 18, 2025
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 —…
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About this show
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.
Hosted by
Patrick Ayers