Pat Kerfoot has been helping retirees and pre-retirees plan their "second life" for over 15 years. As a Registered Investment Advisor, Pat serves in a fiduciary role to all of his clients. He specializes in retirement lifestyle planning with an emphasis on tax efficiency and lifetime income. Pat came to the Financial Services field after a career in private education. He is a graduate of Gonzaga University and he holds professional designations as a Chartered Life Underwriter, Chartered Financial Consultant and as a Certified Financial Planning practitioner. Pat has received numerous company and industry awards including membership in the Million Dollar Roundtable. He is a member of the National Association of Insurance and Financial Advisors and has received NAIFA's National Quality Award.