Simplify Your Financial Life While Planning Your Dream Future

At Patterson Advisors, we don’t expect you to be knowledgeable of financial concepts. We take an educational approach and provide you with an easy-to-understand, logical and non-speculative investment strategy tailored to your individual personality and goals.

Transparent In All That We Do

We remain transparent in managing client investments, as we want to help you simplify your financial affairs and take control of them. Patterson Advisors aims to help provide our clients with peace of mind in knowing they have a solid plan for the future. 

A Boutique Family Firm Built On Relationships

As a small company, we are not driven by “big corporation short-term profit goals”.  The relationship we have with each of our clients is at the core of everything we do. We do not sell anything, so our advice is completely free of conflicts of interest. Our fees are clearly visible and easily understood. We provide a money-back guarantee and grow our business via referrals, so your satisfaction is the lifeblood of our business.

We want to help you become as financially independent as you want to be.

1. Review the Information You Need

It begins when you receive and review our brochure, our Privacy Policy, Ethics Disclosure and SEC Form ADV, Part 2a. We encourage you to obtain and review any information necessary to be confident in your hiring decision.

2. First Appointment      

The next step is to set up a preliminary appointment. The goal of this appointment is to get to know you and what is important to you -- your dreams, goals and the overall future you envision. At the same time, it is very important that you feel comfortable with us, and that we both determine that we would be a good fit to work together.
 

3. Data Gathering    

Following the initial appointment, we will ask that you provide us with more detailed information via our personally tailored comprehensive financial questionnaire and our “life planning” questionnaire. Your candid input helps us better serve you by giving us a more in-depth understanding of what's really important to you.
 

4. Proposal

After a thorough review of your detailed data, we will prepare a written proposal detailing the scope and cost of your Comprehensive Financial Services annual contract. Should you accept our proposal; the quoted price for services in the contract will be set. Should our services become more involved than we had quoted; you will generally still be charged the quoted fee in your contract. However, should you subsequently decide to significantly increase the scope of the engagement, a contract amendment approved by both parties will be required. This contract for services will be valid for a 12-month period from the date of the contract.

5. Analysis

Upon signing the contract, we will begin your analysis. We will utilize our unique, detailed, and thoroughly established processes to ensure superior quality recommendations tailored to your personal situation. Open communication is used to ensure all questions are answered and information is complete and accurate. Upon completion, you will be given our written recommendations to review.
 

6. Plan Review Meeting

After you review your written plan and note any questions, we will meet to review our recommendations. The primary objective of this appointment is to ensure that you fully understand our analyses and recommendations.

 
7. Follow-up and Plan Implementation

Your Comprehensive Financial Services contract is a 12-month (annual) contract. We are your "financial coach" for the year. Should you have any questions after your review meeting, feel free to contact us at any time.  During that time, we will also be available to answer any additional financial related questions you have.  You will also receive our semi-annual client newsletters and any other client communications we provide.

8. Maintaining Our Relationship

It is important to update your plan going forward as well as rebalance your investment portfolio at least annually. After your Comprehensive Financial Services contract term is over, we recommend you renew with us for our Annual Investment Services Contract. We will offer this contract at a 20% one-time discount off the annual fee we calculate for you. This will ensure you have no delay in receiving subsequent investment recommendations and provides you with ongoing financial coaching on all aspects of your financial affairs.

Fees for comprehensive financial services vary greatly depending on the complexity of your financial situation as well as your portfolio size. All fees will be discussed and determined up-front as we review the scope of your needs. A client will always be given an estimate and know the total fee to be charged in advance. The first $500 will be due upon the signing of the contract and the remaining fee will be due when your comprehensive plan is delivered.  

 Benefits of Patterson Advisors' Annual Investment Services

• Potential for better returns with less risk, at a lower cost.
• A consolidated portfolio that you maintain control over. We do not carry discretional authority to make changes to your portfolio.
• Establishment of a disciplined approach that forces you to buying-low and selling-high instead of reacting emotionally.
• Our approach allows us to charge fees that are typically much lower than the competition.
• Peace of mind that your risk level is in tune with your personality and expectations. 

Our Annual Investment Services are priced as a fixed fee. By “fixed” we mean that our fees do not change on an annual basis.  They may be adjusted periodically due to changes in the scope of our services or to maintain parity between clients with similar portfolio size and complexity.  Fees range anywhere from .30% to .55% fo your total portfolio size.  Fees for smaller portfolios are a higher percentage due to the standard fixed portion of our fees.  The first year you engage in this service we also charge an additional $500 start-up fee. Contact us for more information and an estimate of what fees you would pay.  

How Our Unique Fee Structure Works For You 

We receive no commission on any investments we recommend, and we strategically choose investments that have low management fees and are highly-rated. 

COMPARED TO OTHER FEE-BASED ADVISORS: Other fee-based advisors typically charge 1.0% or more of the assets managed annually. Substantial savings are typical as a result of our comparatively lower fees.

COMPARED TO OTHER COMMISSION- BASED ADVISORS: Other commission-based advisors typically charge either front-end loads of 4%-5% or back-end surrender charges if funds are redeemed before some number of years (usually 5 or more) with higher annual management fees (typically 0.5% or more).