Ayers Financial Services

Patrick W. Ayers, RFC

Ayers Financial Services is financial planning firm that has been serving the Southwest Virginia area for over a decade.  We are dedicated to clients' wealth management and believe that successful investing results from education, communication, and thorough planning.  The result? An opportunity we call making dreams come true.

Patrick Ayers is a strong advocate of the power of knowledge in personal finance. Between segments on WFIR's Ask the Financial Advisor or as a guest consultant on WDBJ-7 news, Mr. Ayers is dedicated to educating his clients and the community.  He believes in fully communicating risks and strategies as well as comprehensive planning with both an eye towards the future and an understanding for the needs of today.

Patrick is a native and lifelong resident of the Roanoke Valley and a graduate of Virginia Tech.  He began his financial career as a partner in a family tax business and has maintained an active focus in tax preservation and planning for his clients.  He currently resides in Botetourt with his wife Tara and their three children.
Calculators

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

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Newsletters

HOT TOPIC: Current Economic Conditions and the Prospect for Inflation

Inflation jumped up to 3.2% in April. That’s still below the 50-year average but it may be little consolation for anyone who has been to a gas station or a grocery store recently.

Why You Want to Know How Much Your Business is Worth

An up-to-date valuation may seem like an unnecessary expense for a small business, but it could prove to be invaluable to achieving long-term goals. Knowing the current value of a business can affect how an owner might approach everything from retirement to estate conservation to a succession strategy.

HOT TOPIC: Debating the Debt Ceiling

There has been substantial debate in Congress over raising the ceiling on the national debt. Although many Americans could be adversely affected if Congress decided not to increase the debt ceiling, this is unlikely to happen.

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

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