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

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

Bring Your Life Insurance Home From Work

Only 44% of American households have individual life insurance, a 50-year low. Many workers have life insurance as an employee benefit, however relying on a group policy could mean that coverage ends should a worker's job situation change. This article examines the benefits of term individual insurance and permanent life insurance.

HOT TOPIC: Why Global Investors Are Worried About European Debt

European officials are working on a bailout deal to help debt-laden Greece avoid default, but some are worried a broader eurozone financial crisis may be waiting in the wings. How likely is a Greek sovereign debt default, and how could it affect European and U.S. financial markets?

HOT TOPIC: Breaking Down the Proposed FY 2013 Budget

The 2013 budget released by the White House on February 13 contains proposed fiscal measures that could affect the business and investment climate, the income tax code, and government spending. Considering that Congress will debate and discuss the budget in detail, many of these measures are unlikely to become law as proposed, but they may indicate future developments.

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