Patterson Advisors

Patterson Advisors provides comprehensive financial planning and portfolio analysis primarily to individual clients, including high‑net‑worth individuals as well as trustees and beneficiaries. Its services range from small, one‑time projects to annual investment analysis and in‑depth comprehensive financial plans covering retirement, tax, education, insurance and estate planning.

The firm tailors investment strategies to each client’s risk tolerance and uses goal‑based planning software alongside an asset‑allocation framework drawn from published literature to build broadly diversified portfolios across multiple asset classes. Recommendations emphasize low‑cost, no‑load mutual funds and ETFs available through major custodians, with clients generally executing trades themselves and limited use of a restricted power of attorney for trade execution when requested.

Operationally, Patterson Advisors uses a fee‑for‑service billing model with fees negotiated and billed directly to clients (payment by personal check), does not take custody of client assets, and discloses that it does not provide continuous supervisory AUM management. The firm also sends periodic electronic newsletters to clients and operates with a small, two‑advisor structure serving a limited client base, features that are less common among peers in its category.