# RJ Patterson Group ## 401(k) Program: Overview URL: https://rjpattersongroup.com/videos/401k-program-overview/ Videos Share this article: If you liked this video, you’ll love this E-Book And Baby Makes Three: A financial guide for new parents Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► Related Posts Getting Married Seven Financial Tips for Planning Your Wedding Getting Married Four Tips for Merging Finances When Getting Married --- ## Meet The Expert URL: https://rjpattersongroup.com/videos/meet-the-expert/ Videos Share this article: If you liked this video, you’ll love this E-Book And Baby Makes Three: A financial guide for new parents Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► Related Posts Getting Married Four Tips for Merging Finances When Getting Married Getting Married Seven Financial Tips for Planning Your Wedding --- ## Navigating Market Uncertainty URL: https://rjpattersongroup.com/videos/navigating-market-uncertainty/ Videos Share this article: If you liked this video, you’ll love this E-Book And Baby Makes Three: A financial guide for new parents Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► Related Posts Getting Married Four Tips for Merging Finances When Getting Married Getting Married Seven Financial Tips for Planning Your Wedding --- ## Getting Retirement Ready URL: https://rjpattersongroup.com/videos/getting-retirement-ready/ Videos Share this article: If you liked this video, you’ll love this E-Book And Baby Makes Three: A financial guide for new parents Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► Related Posts Getting Married Seven Financial Tips for Planning Your Wedding Getting Married Four Tips for Merging Finances When Getting Married --- ## Stay on Top of Your Financial Life URL: https://rjpattersongroup.com/videos/stay-on-top-of-your-financial-life/ Videos Share this article: If you liked this video, you’ll love this E-Book And Baby Makes Three: A financial guide for new parents Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► Related Posts Getting Married Seven Financial Tips for Planning Your Wedding Getting Married Four Tips for Merging Finances When Getting Married --- ## Change Your Financial Future Today URL: https://rjpattersongroup.com/videos/change-your-financial-future-today/ Videos Share this article: If you liked this video, you’ll love this E-Book And Baby Makes Three: A financial guide for new parents Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► Related Posts Getting Married Four Tips for Merging Finances When Getting Married Getting Married Seven Financial Tips for Planning Your Wedding --- ## Tips to Navigate a Job Change URL: https://rjpattersongroup.com/videos/tips-to-navigate-a-job-change/ Videos Share this article: Video Transcript Losing your job can be really very stressful depending on how the circumstances have happened, a lay-off or a possible termination. The survival guide, “Facing a Career Cross Road,” is an important component to navigate the job change market. There are a few tips that you can go through to help make this transition a little bit easier. 1. Keep open communication The first one is, keep your spouse in the loop. It’s really important to keep an open dialogue and communicate to your spouse and your children, letting them know that you have planned well and you’re excited for the change, and looking for new opportunities in the future. So, be positive through this whole process and keep them in the loop. 2. Listen to concerns Tip number two, be open and listen to your spouse’s concerns, your children. This is going to impact everybody, so it’s really important to listen. 3. Enjoy time with your family and loved ones And lastly, you know, this situation, everything happens for a reason. It could be a respite from the hard work that you’ve done, and you may have a lot more time with your family, which I know that they’ll appreciate, having you around, absolutely. You can access the survival guide online. You can also receive a copy if you call our team members, and we can send it to you as well. Remember, live for today, save for tomorrow. If you liked this video, you’ll love this E-Book Facing a Career Cross Road: Tips to help navigate a job change Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► Related Posts Getting Married Four Tips for Merging Finances When Getting Married Getting Married Seven Financial Tips for Planning Your Wedding --- ## How to Save for Your Child’s College URL: https://rjpattersongroup.com/videos/how-to-save-for-your-childs-college/ Videos Share this article: Video Transcript One of the most significant events in one’s life is the birth of the child. It comes with so much joy, but it comes with a lot of different choices from a financial standpoint. In fact, we have a survival guide called “And Baby Makes Three,” where we go into a lot of the kind of tips that you need to know and execute on. Another topic within the survival guide is, it’s never too early to think about college, and there are a lot of ways to go ahead and save. 1. Set aside funds When you’re sitting down considering those options, an advisor, RJ Patterson Group, can help you understand what those options are, one of which I think that people don’t consider, is that you can set aside funds in your accounts for college, which, in the event that your child receives a scholarship or potential financial aid, then that money that’s earmarked for their college can actually be put towards your retirement. Setting up financial aid, when they graduate, you can help pay down that debt as well, so that’s one area you can work in. 2. Get grandparents involved with saving bonds There’s also savings bonds that are available to buy now, and what I really like about this is, grandparents really want to get involved. So, I think talking to the grandparents early on. At every birthday party, some people bring money. That money can be put directly into their college savings account. 3. Buy stocks You can buy stocks that can grow for 18 years, basically until they go to college, and then you could actually gift that securities to them at a cost that you paid for that stock. 4. Look into 529 plans and mutual funds with a financial advisor Within the 529 space, there are a multitude of mutual funds that you can utilize. In fact, there are 50 different 529 plans, which are very confusing, which we can help you discern, which one would be best for you. It’s invaluable to have a financial advisor that you can really bounce these ideas off, and they can help educate you on all the different nuances that are available to you for funding college. The birth of your child is so exciting and it’s such a wonderful time. This survival guide that we have, “And Baby Makes Three,” has a lot of valuable information and it kind of gets you started in all these different topics. I really encourage you to utilize a financial planner, a fiduciary actually, someone that puts your interests first and makes sure that they’re looking out for you. There’s a lot of different choices out there, and at RJ Patterson Group, we talk about it all the time. It’s live for today and save for tomorrow. If you liked this video, you’ll love this E-Book And Baby Makes Three: A financial guide for new parents Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► Related Posts Getting Married Four Tips for Merging Finances When Getting Married Getting Married Seven Financial Tips for Planning Your Wedding --- ## Four Tips for Merging Finances When Getting Married URL: https://rjpattersongroup.com/videos/four-tips-for-merging-finances-when-getting-married/ Videos Share this article: Video Transcript I remember when I was getting married! All of the emotions and feelings that I was going through while planning, during the day of the actual wedding, and afterwards. One important issue you may find yourself going through is merging finances with your spouse. There are four different ways to accomplishing this. 1. One Joint Account This option involves simply merging everything into one joint account. For couples with similar amount of assets and salaries, this is a really great option. You will simply merge your accounts and pay bills out accordingly from that one account. 2. Joint + Separate Accounts The second one is how my wife and I operate. We do have a joint account, however we also have our own individual accounts. This allows you to pay all important bills, such as family expenses, out of the joint account, while giving you the freedom to use your separate account for personal use. This is highly recommended for a couple who have unique differing hobbies. 3. Joint Account with Disparity Let’s say there is a situation where one member of the couple brings home 70% of the shared income, and the other member brings home 30%. For this disparity in income situation, they would want to go with a joint account. The member who brings home 70% would put 70% of that take home into the joint account, and the member bringing home the lower 30% would put in 30% of their income. The trick to this is providing to the joint account proportionally. 4. Two Separate Accounts Lastly is keeping everything separate with two accounts. No merging any accounts or incomes. Not all joint account situations work for everyone, and there’s nothing wrong with keeping your accounts separate if that’s what works for your marriage. There is a lot of information in our new survival guide, ‘You’re married! What to say before and after you say “I do”‘, downloadable below, with tips and tricks for the entire marriage process. The RJ Patterson Group is dedicated to helping you figure out all the details of the marriage process. Please fill out the form below to receive the survival guide. And remember, live for today and save for tomorrow. If you liked this video, you’ll love this E-Book You're Getting Married: What to do before, and after, you say "I Do." Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► --- ## Seven Financial Tips for Planning Your Wedding URL: https://rjpattersongroup.com/videos/seven-financial-tips-for-planning-your-wedding/ Videos Share this article: Video Transcript I remember when I was getting married! All of the emotions and feelings that I was going through while planning, during the day of the actual wedding, and afterwards. As you plan your wedding day, there are a few things you will want to consider concerning your finances. 1. Decide on a Budget First, you’ll want to ask yourself ‘How much do you want to spend on the wedding?’ Look into all sources contributing to the budge, such as money you are putting in as well as money provided by parents. Establish a realistic overall cost and avoid spending more than that number. 2. Factor the Guest List into the Budget When factoring your budget, you will need to make sure to account for your guest list. There will be a cost per person, so as tempting as it is to invite all your friends, figure out how many people you can realistically invite. Another factor is how many might not actually show. 3. Researching your Location It’s important to pick a location that is meaningful and really represents who you and your spouse is as a couple. You will want to make sure this fits into your spending limit, as a location alone can easily eat an entire wedding budget if you are not careful. 4. Research Vendor Costs More researching! You’ll want to compare and contrast a lot of different vendors. Many are competing for your business. Start by reaching out to about three of them, getting quotes and comparing them. Then spend some time negotiating some of those prices down. 5. Prioritizing Be sure to decide what is most important to you in this process. Will it be the location of the wedding, or the number of people? Maybe the centerpieces might matter more to you than it would a different couple. What will really make the difference in defining your wedding? You’ll want to make sure your budget supports the most important aspects of the wedding. 6. Start Saving Early The more you have saved up ahead of time, the better budget you’ll have to work with. This is where a financial advisor can help you put together a savings plan. Whether you’re only paying for a portion, ir not all of the wedding, you will want to know how long you’ll have to save to reach that goal. 7. Set a Contingency Budget Inevitably, costs overrun. You will want to make sure you have some padding in your budget for this scenario. A safe contingency budget to set is about 20% over what you budgeted. Keep this set aside and don’t tap into it until absolutely necessary. If you happen to not end up needing it, it’s a solid chunk of savings to set aside for retirement! There is a lot of information in our new survival guide, ‘You’re married! What to say before and after you say “I do”‘, downloadable below, with tips and tricks for the entire marriage process. The RJ Patterson Group is dedicated to helping you figure out all the details of the marriage process. Please fill out the form below to receive the survival guide. And remember, live for today and save for tomorrow. If you liked this video, you’ll love this E-Book You're Getting Married: What to do before, and after, you say "I Do." Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► Related Posts Getting Married Seven Financial Tips for Planning Your Wedding Getting Married Four Tips for Merging Finances When Getting Married --- ## How to Prepare to Talk With Your Aging Parents URL: https://rjpattersongroup.com/videos/how-to-prepare-talk-with-aging-parents/ Videos Share this article: Video Transcript For my clients with aging parents, approaching that subject of “How are we going to deal with the necessary planning for aging parents” can be overwhelming and scary. You’re dealing not just with your own emotions, but also your relationship with your parents as they go through this life transition. You really have to be open-minded and put yourself in their position. Ask yourself how they are feeling as they get older, which is probably pretty scared and worried about many different things involving their future. When you approach them, be optimistic and keep it open and transparent. There are a lot of resources on the internet that you can utilize. Our team has a lot of contacts and would love to help. If you ever feel like things are not moving forward, reach out and ask for help. As a child with aging parents, you must also realize someday you will be an aged parent. You’ll want to prepare and plan for your children and grandchildren as well, and this is ultimately what multi-generational planning is. In our concept of the Ascent to Prosperity, addressing this is one of those steps on that climb to the top. We help with preparing and planning, and helping to set up all the legal components and healthcare directives, taking away all the stress and fear you may have. For more information and advice on how to address this difficult topic, please fill out the form below to receive the survival guide. And remember, live for today, and save for tomorrow. If you liked this video, you’ll love this E-Book Your Aging Parents & You: How to handle a difficult subject together Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► Related Posts Aging Parents Your Aging Parent & You: 4 Topics You Can’t Ignore Aging Parents How to Prepare to Talk With Your Aging Parents --- ## Your Aging Parent & You: 4 Topics You Can’t Ignore URL: https://rjpattersongroup.com/videos/your-aging-parent-you-4-topics-you-cant-ignore/ Videos Share this article: Video Transcript There are four main topics we talk about with all of our clients that is an integral part for planning for aging parents. The first one is housing. The second one is healthcare, which can be difficult, particularly in this day and age. The others are legal preparation, and then the actual finance and wealth behind that process. 1. Housing When it comes to housing, and deciding if you’re going to stay in your home or move to a facility, can be a really emotional decision for both parents and children. There are many choices to make based on what will fit the individual’s needs best and make them comfortable going forward. There’s a phrase “aging in place”. What it means is keeping your parents in the home that they’re familiar with, where they feel safe. With today’s technology, you can have nearly all of the medical concerns covered, from nurse visits to prescription drugs, from or in your home. 2. Healthcare Healthcare can be a difficult subject, from understanding what your coverage is, to how much of your own personal funds you will have to spend in order to maintain your health. You have to also consider your prescription drug cost. Do you have the coverage that’s going to provide the medication that’s maintaining your health? You must also consider long-term care and ensure that assisted living costs will be covered. Another issue is “gap insurance”. It’s a complicated topic, but there are supplemental policies that can be utilized to cover some of the costs associated with healthcare. 3. Legal Preparation I can’t tell you how many times there’s a situation where somebody dies without a will. All those assets have to go through a probate, which means a judge has to determine how they are distributed. It’s very simple to meet with an attorney and begin to address these issues. Setting up a trust can be a bit of work in the beginning: You have to deal with advanced medical directives and how your children will be involved in that process. We are here to help you go through these steps. If you look on our website, we have a guide (see below) to helping you understand some of those questions that you’ll be asked when you sit down with the estate planning attorney. 4. Finances It’s important that you understand where your parents’ financial statements are, what institution they’re being held at, and who the beneficiaries are. You want an overall understanding of where all the assets and the liabilities are. As well, make sure that you know who their financial adviser is, so when the time comes, you have easy access to that information. There’s a lot more information to consider when you begin to engage with them on these conversations. Begin to ask where this information is located, so that you have a full understanding of their situation. The RJ Patterson Group is dedicated to helping you start that process with your parents. Please fill out the form below to receive the survival guide. And remember, live for today and save for tomorrow. If you liked this video, you’ll love this E-Book Your Aging Parents & You: How to handle a difficult subject together Sign up for your free download. Full Name*Email Address* CAPTCHA Download Now ► Related Posts Aging Parents How to Prepare to Talk With Your Aging Parents Aging Parents Your Aging Parent & You: 4 Topics You Can’t Ignore --- ## A2P: Field Guide URL: https://rjpattersongroup.com/ascent-to-prosperity/a2p-field-guide/ Ascent to Prosperity Field Guide Your Field Guide to Personal Prosperity Explore the A2P Program Overview The Philosophy Personal Prosperity Mindset Certified Advisors Get the Field Guide Ascent to Prosperity is a comprehensive field guide for navigating the complex intersections of wealth, success, happiness, and personal values. Through the powerful metaphor of mountain climbing, the field guide is a structured, highly interactive practical manual and work field guide that challenges readers to move beyond “being rich” toward authentic prosperity aligned with internal motivation and personal truth. Divided into two sections – Conditioning and Climbing – the field guide provides both the mindset preparation and practical tools necessary for your ascent. Section 1: CONDITIONING – Preparing for Prosperity: Five foundational chapters that examine the psychology of wealth, challenge traditional metrics of success, and help you distinguish between “being rich” (abundance in the bank) and “being prosperous” (abundance in life), covering topics from wealth and well-being to external success versus personal fulfillment, self-worth versus net-worth, people not things, and what constitutes a life well-lived Section 2: CLIMBING – Basecamp to Summit: Five practical chapters that transform vision into action, guiding you from Base Camp (picking your peak and defining personalized prosperity goals) through Camp Alpha (financial tools and literacy), Camp Bravo (building your support team), and Camp Charlie (gaining traction through decision-making frameworks) to The Summit (achieving and sustaining healthy success) Holistic integration throughout: Every chapter weaves together financial strategies with emotional intelligence, relational responsibility, and personal values, rejecting reductive approaches in favor of interactive explorations of how economic pressures intersect with personal psychology and meaning-making Practical application focus: The field guide includes activities, exercises, and actionable advice designed to help readers examine their own relationships with money, identify authentic needs versus socially-constructed desires, and create their personal definition of “enough” at the heart of true prosperity. Ascent to Prosperity serves as your trusted companion on the journey to financial wellness and authentic fulfillment. Whether you’re just beginning to question conventional definitions of success or you’re ready to chart a completely new course, this field guide provides the framework, tools, and introspective prompts necessary to discover and climb toward the personal prosperity summit where financial success and life satisfaction unite. Get the Ascent to Prosperity Field Guide! Be one of the first to blaze new trails with this field guide to personal prosperity, success and a life well-lived. Get Your Field Guide Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth.LEARN MORE  Pro Athlete Consulting Transforming the wealth created on the field into long-term financial success.LEARN MORE  Fiduciary Services Tailored, transparent guidance to help every client realize both investment and life goals.LEARN MORE  Retirement Plan Design Creating the path to long-term financial success and fiscal security in retirement.LEARN MORE  --- ## A2P: Certified Advisors URL: https://rjpattersongroup.com/ascent-to-prosperity/a2p-certified-advisor/ Become an A2P Certified Advisor Guide Clients to True Prosperity and Elevate Your Practice The financial services landscape is evolving. Today’s clients are searching for more than stand-alone investment returns and tax strategies, they’re seeking meaning, purpose, and holistic prosperity that integrates financial success with life satisfaction. As an A2P Certified Advisor, you’ll be equipped with a revolutionary framework that distinguishes your practice, deepens client relationships, and positions you as a guide to comprehensive prosperity rather than just a manager of money. Join a select group of forward-thinking professionals who are transforming the wealth management conversation from “being rich” to “being prosperous.” Ready to become an A2P Certified Advisor? Apply for A2P Certification Explore the A2P Program Overview The Philosophy Personal Prosperity Mindset The Field Guide A2P Certification Application Get the Field Guide Stand Apart as an A2P Certified Advisor Differentiate your practice with a proven holistic framework The A2P methodology provides a structured, mountain-climbing metaphor that clients immediately understand and emotionally connect with, allowing you to have deeper conversations about values, purpose, and life goals while seamlessly integrating traditional financial planning, wealth management, and tax advisory services Expand your value proposition beyond traditional metrics A2P Certification equips you to address the full spectrum of client prosperity: Financial Capital, Social Capital, Purpose Capital, Mindset Capital, and Integrity/Spiritual Capital, positioning you as a comprehensive life advisor rather than a transactional service provider, which increases client engagement, loyalty, and referrals Access comprehensive training and proprietary resources Certification includes in-depth training on the A2P philosophy, the Five-Fifths Thinking model, client assessment tools, conversation frameworks, and the complete “A2P: Ascent to Prosperity” field guide curriculum that you can implement with existing and prospective clients Join a community of purpose-driven professionals Connect with other A2P Certified Advisors who share your commitment to holistic client prosperity, exchange best practices, and collaborate on advancing the integration of financial wellness with authentic life fulfillment Attract your ideal clients The A2P approach naturally appeals to clients who value alignment between their wealth and their values. These are typically higher-net-worth individuals and families seeking sophisticated guidance beyond basic financial planning, resulting in more meaningful engagements and sustainable practice growth Interested in becoming an A2P Certified Advisor? Becoming an A2P Certified Advisor isn’t just about adding credentials to your business card. A2P certification will transform how you serve clients and how they experience prosperity. This certification empowers you to facilitate profound conversations about what success truly means, guide clients toward their personal prosperity summits, and build a practice that delivers both financial results and life transformation. In an industry increasingly commoditized by robo-advisors and algorithm-driven solutions, A2P certification positions you as an indispensable guide on your clients’ most important journey. Certified Advisor Interest Form Fill out our form to join the A2P Certified Advisor interest list today and we’ll reach out with more details. "*" indicates required fields CompanyThis field is for validation purposes and should be left unchanged.Full Name*TitlePhone*Email* Current FirmWebsite Upload Your Resume Drop files here or Select files Max. file size: 64 MB, Max. files: 1. Consent* By checking this box, you consent to receive communication from the RJ Patterson Group.* Submit Application Get the Ascent to Prosperity Field Guide! Be one of the first to blaze new trails with this field guide to personal prosperity, success and a life well-lived. Get Your Field Guide Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth.LEARN MORE  Pro Athlete Consulting Transforming the wealth created on the field into long-term financial success.LEARN MORE  Fiduciary Services Tailored, transparent guidance to help every client realize both investment and life goals.LEARN MORE  Retirement Plan Design Creating the path to long-term financial success and fiscal security in retirement.LEARN MORE  --- ## A2P: Personal Prosperity Mindset URL: https://rjpattersongroup.com/ascent-to-prosperity/a2p-personal-prosperity-mindset/ The Personal Prosperity Mindset Peak Performance and Five-Fifths Thinking Explore the A2P Program Overview The Philosophy The Field Guide Certified Advisors Get the Field Guide In the A2P framework, your Money – your financial capital – serves as the critical foundation for the ability to realize authentic personal prosperity. But money isn’t everything, it’s only one-fifth of the equation. A2P holistic financial wellness and its Prosperity Mindset realize that true prosperity is composed of five essential components that together create “life success” far beyond monetary accumulation. We call this “Five-Fifths Thinking”, a holistic approach to personal prosperity that recognizes each fifth as equally vital to realizing authentic success, satisfaction and a life “well-lived”. Money (Financial Capital) – The tangible foundation of earning, saving, investing, protecting, and giving that provides the stability and resources to fund your entire ascent Relationships (Social Capital) – The trust, empathy, and connections with others and yourself that sustain growth and provide support on your climb Pursuits (Purpose Capital) – The work, mission, career, or calling that expresses who you are and how you create value in the world Attitude (Mindset Capital) – How you show up each day with resilience, gratitude, perspective, and belief Values (Integrity/Spiritual Capital) – the guiding beliefs and principles that define you, representing complete alignment between who you are and what you do; this is your personal Everest peak These five “peaks” of the Prosperity Mindset aren’t separate mountains to conquer; they’re interconnected elevations of a single, lifelong ascent. Money enables Relationships, which inform Pursuits, which are sustained by Attitude, which are all guided by Values. The goal of A2P-style personal prosperity isn’t simply to reach the summit of fiscal success, it’s to realize who you become along the way, understanding that the climb itself is the prosperity you seek. Get the Ascent to Prosperity Field Guide! Be one of the first to blaze new trails with this field guide to personal prosperity, success and a life well-lived. Get Your Field Guide Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth.LEARN MORE  Pro Athlete Consulting Transforming the wealth created on the field into long-term financial success.LEARN MORE  Fiduciary Services Tailored, transparent guidance to help every client realize both investment and life goals.LEARN MORE  Retirement Plan Design Creating the path to long-term financial success and fiscal security in retirement.LEARN MORE  --- ## A2P: The Philosophy URL: https://rjpattersongroup.com/ascent-to-prosperity/a2p-the-philosophy/ A Philosophy of Personal Prosperity An Evolution of Capital, Consciousness and Choice Explore the A2P Program OverviewPersonal Prosperity MindsetThe Field GuideCertified AdvisorsGet the Field Guide At its heart, the A2P philosophy represents a fundamental reimagining of what prosperity means. Traditional financial planning focuses almost exclusively on money. A2P recognizes that true prosperity emerges from the evolution of three interconnected elements: Capital (your resources across multiple dimensions), Consciousness (your awareness and mindset), and Choice (your ability to make values-aligned decisions).  This philosophy culminates in what we call the ”Prosperity Mindset” or “A2P Actualization” – the personal prosperity summit where success and significance unite. Capitalization (Preparation) forms your foundation — This first phase focuses on building your prosperity foundation – the monetary elements of personal prosperity: earning, saving, investing, protecting, and giving. Realization (The Climb) brings clarity through experience — As you ascend through Relationships, Pursuits, and Attitude, you gain deeper understanding of what truly matters, building social capital, purpose capital, and mindset capital along the way Actualization (The Summit) represents your Why — The peak of your journey, where your values and integrity align with your actions, creating authentic fulfillment and true holistic personal prosperity Prosperity transcends wealth — A2P challenges the reductive notion of “being rich” in favor of “being prosperous,” recognizing that abundance in the bank means little without abundance in life Integration is essential — True prosperity requires all five elements of prosperity working together harmoniously, not the primacy of financial success at the expense of relationships, purpose, attitude, or values The A2P philosophy doesn’t ask you to choose between financial success and personal fulfillment. Instead, it shows you how to achieve both through intentional integration. By understanding prosperity as multidimensional and embracing the idea of a personal vision of success, you create a life that is not only financially secure but deeply meaningful, resilient, and aligned with who you truly are. Get the Ascent to Prosperity Field Guide! Be one of the first to blaze new trails with this field guide to personal prosperity, success and a life well-lived. Get Your Field Guide Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth.LEARN MORE  Pro Athlete Consulting Transforming the wealth created on the field into long-term financial success.LEARN MORE  Fiduciary Services Tailored, transparent guidance to help every client realize both investment and life goals.LEARN MORE  Retirement Plan Design Creating the path to long-term financial success and fiscal security in retirement.LEARN MORE  --- ## Ascent to Prosperity URL: https://rjpattersongroup.com/ascent-to-prosperity/ Ascent to Prosperity Your Path to Personal Prosperity Explore the A2P Program The Philosophy Personal Prosperity Mindset The Field Guide Certified Advisors Get the Field Guide Welcome to the Ascent to Prosperity (A2P) a revolutionary approach to personal prosperity that goes far beyond traditional wealth-building. Using the powerful metaphor of mountain climbing, A2P recognizes that true prosperity isn’t just about accumulating money; it’s about integrating financial wellness with meaningful relationships, purposeful pursuits, positive attitude, and authentic values. Like preparing for and summiting Everest, your journey to prosperity requires preparation, perseverance, support, and a clear vision of your personal summit. A2P represents a paradigm shift from viewing wealth as purely financial to understanding prosperity as a holistic integration of key life elements. The mountain climbing metaphor guides your journey through three transformative phases: Capitalization, Realization, and Actualization Your personal prosperity is unique to you — A2P helps you define what success means based on your values, not society’s expectations of “being rich” The Ascent to Prosperity offers a comprehensive framework for achieving what we call the “Prosperity Mindset” — that elevated state where financial success merges seamlessly with personal significance, where your wealth supports rather than defines you, and where every aspect of your life works in harmony toward authentic fulfillment. This isn’t about following someone else’s path to the top, it’s about charting your own path to the summits of a lifetime of personal prosperity peaks. Get the Ascent to Prosperity Field Guide! Be one of the first to blaze new trails with this field guide to personal prosperity, success and a life well-lived. Get Your Field Guide Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth.LEARN MORE  Pro Athlete Consulting Transforming the wealth created on the field into long-term financial success.LEARN MORE  Fiduciary Services Tailored, transparent guidance to help every client realize both investment and life goals.LEARN MORE  Retirement Plan Design Creating the path to long-term financial success and fiscal security in retirement.LEARN MORE  --- ## Join the Team URL: https://rjpattersongroup.com/join-the-team/ Join the RJ Patterson Group Team What We’re Looking For: People Who Embody the Values That Define Us First and foremost, our success starts with our people. We look for employees who are smart, motivated, diligent, empathetic, and collaborative. We support team members by providing ample opportunities for professional growth and success. We’re not looking for our employees to be perfect, just people that are a “perfect fit ” for becoming valued members of the RJ Patterson Group. The core set of values that define our company also serve as a great definition of the values we’re looking for in all of our team members: Integrity Honest and transparent advice Respect For yourself and others Collaboration True partnership with every client Stewardship Expert guidance on the journey to prosperity Advocacy Always acting in the best interest of each client Careers at RJ Patterson We are currently looking for team members to join RJ Patterson Group in the following positions: Business Development ManagerFinancial AdvisorFinancial CoachFinancial Para-plannerPortfolio ManagerSenior Wealth Advisor Financial Services InternshipCertified Public Accountant (CPA)Enrolled AgentMarketing CoordinatorRetirement Plan Specialist Business Development Manager Qualified business development specialist to extend our reach through expert discovery and exploration of new and untapped business opportunities and relationships. Our ideal candidate will be trusted to dive right in, take the lead, use initiative, and help build our client roster across client types and asset ownership levels. Highly skilled at sales and business operations, this person will join and inspire a team of like-minded go-getters to achieve our unique service-centric vision. Duties + Responsibilities Manage both existing sales pipeline and the development of new business opportunities Take a lead role in developing new-business proposals and presentations that create and nurture opportunities and partnerships Identify trends and customer needs, building a sales pipeline for short/medium/long term in accordance with targets Assist in the coordination and implementation of marketing strategies, and delegate tasks to achieve strategic goals Motivate the team, track performance, and report metrics Manage proposal response process, including detailed RFP requirements, content creation, and inputs from various sources Generate new leads, identify and contact decision-makers, screen potential business opportunities and facilitate pitch logistics Develop and implement business development strategy, sales processes, structure, and best practices across the company Maintain and share professional knowledge through education, networking, events, and presentations Required Skills + Qualifications Successful track record in customer sales and negotiation Excellent verbal and written communication skills Experience in sales techniques Proficiency in data analysis, forecasting, and budgeting Proven ability to plan and manage resources Experience with CRM software (ex: Salesforce) Ability to deliver presentations Learn How to Apply Financial Advisor Client-savvy specialist with experience assisting individuals with their investment strategies through assessment of clients’ financial situations, short-term and long-term goals. Must have a deep understanding of investment markets and a knack for identifying the best stocks, bonds, or funds. Expert knowledge of market performance and investment strategies, as well as great people skills are additional must-haves. Duties + Responsibilities Market research Market analysis Recruit and solicit clients Assess clients’ needs and goals Recommend and execute investment strategies Monitor client accounts Identify new opportunities across a broad spectrum of client types and asset levels Required Skills + Qualifications Tracking data and projecting future performances of various stocks, bonds, and funds Application of critical thinking to client needs analyzation and assessment Thorough understanding of the client goals, priorities and aspirations Familiarity with current applicable financial technologies and tools Required Education + Certifications Bachelor’s Degree in Finance, Business, or Economics Must successfully pass CFA (Chartered Financial Analyst) exam Must obtain Series 7 license Previous work experience or internship in the financial sector strongly preferred Learn How to Apply Financial Coach Empathetic people-person who will assess clients’ financial health through one-on-one coaching and then develop a tailored set of recommendations to help clients improve their financial position and pursue their goals. Will leverage multiple communication channels— video conferencing, phone, SMS, email—to engage our clients and provide follow-up services. In addition to individualized coaching sessions, may also deliver financial capability courses for groups. Requires excellent judgment and ability to exercise professional discretion to accurately assess each client’s unique situation and effectively develop personalized plans of action. These plans include concrete recommendations for debt reduction, credit improvement, money management, use of financial services, asset protection and the pursuit of short- and long-term goals. Duties + Responsibilities Work directly with clients to provide high-quality financial coaching via individualized counseling Provide ongoing support and continue to actively engage clients to promote financial health Document services and gather session data for program reporting and evaluation Achieve program goals for client impact and service outputs, taking initiative with client outreach Deliver presentations on personal finance topics and our services Participate in regular team meetings and continued skill-building training sessions Research financial products and resources on an ongoing basis Required Skills + Qualifications Strong attention to detail Robust critical thinking skills Excellent communication and interpersonal skills; ideally coaching and facilitation skills with adults or in non-traditional settings Ability to exercise knowledge-based professional judgment and discretion to adapt services as needed Ability to effectively receive and implement feedback Self-motivated – must work independently, meet deadlines without supervision and take ownership of research and continued learning 2+ years of full-time work experience in personal finance, education, social services, community organizing or a related field. Specialized knowledge in financial empowerment services across income levels strongly preferred. Learn How to Apply Financial Para-planner Ambitious entry level financial planner ready to launch and grow a career in financial planning. Strong desire to work in a team-oriented independent firm; will have involvement in all aspects of the business, learning and shaping the way we care for our clients; and will gain valuable experience for developing a financial planning career. Candidates that fit into our firm and culture will embrace technology, enjoy a collaborative environment, and hold in high regard serving clients in a fiduciary capacity. We value our clients, and our clients value our services. Duties + Responsibilities This individual will work with experienced financial planners, providing financial planning and investment advisory support. Providing support for processing client service needs. Portfolio administration Investment research and analysis Coordination of client service needs with team members Preparing financial analyses and financial plans for clients. Assisting with analysis, rebalancing, and administration of client investment portfolios. Conducting investment research, reporting, and analysis. Assisting with creation and implementation of workflows and procedures to improve efficiency and enhance client experience. Required Skills + Qualifications Strong analytical skills Excellent written and verbal communication skills Self-starter, productive, works well with a team and independently Ability to identify, meet, and follow through with client needs and requirements with keen attention to detail Excellent project management skills with ability to prioritize and track multiple tasks Proficiency in Microsoft Office Suite Knowledge of CRM (i.e. Salesforce), eMoney, and Morningstar a plus Required Education + Certifications B.A. or B.S. degree, preferably in Financial Planning, Finance, Accounting, or Economics Learn How to Apply Portfolio Manager Financial services wizard with proven ability to study and analyze the daily state of the stock market, determine the best investment strategies and opportunities, manages client retirement and investment funds, and address questions and concerns of investment clients. Responsible for analyzing and overseeing client investment portfolios and advising clients on the best course of action with regard to their investments, researching stock market trends, and ensuring that assets are maintained or improved. Duties + Responsibilities Monitor client investments Maintain records and files of all portfolio activity Keep client up to date on the state of their portfolios Study stock market trends on a daily basis Analyze Roth IRAs, hedge funds, 401(k)s, stock options, and other investment opportunities Apply knowledge of trends to client portfolios, suggesting changes or adjustments accordingly Meet with clients to determine their investment goals Study clients’ financial holdings, income, and financial background Advise clients on the best investment opportunities and strategies for their lifestyle Explain and differentiates between various investment opportunities, stocks, and funds Assist clients in developing a tailor-made portfolio Consult with clients prior to making any major changes or decisions with regard to portfolios Deliver presentations on client portfolios and recent market trends Devise new and effective ways to successfully manage client portfolios Required Skills + Qualifications Ability to conduct ongoing independent research into market trends and activity Detailed knowledge of economic theory and financial terminology Detailed knowledge of best investment practices Professional and confident demeanor Communicates clearly and effectively Ability to translate financial language into layman’s terms for explanatory purposes Strong analytical and problem-solving skills Ability to make informed and logical management decisions Affinity for strategic financial planning Strong interpersonal skills Application of economic theory and research to daily practical management activity Ability to remain calm and think analytically during stressful situations Required Education + Certifications Bachelor’s Degree in Finance, Business, or Economics Must successfully pass CFA (Chartered Financial Analyst) exam Must obtain Series 7 license Previous work experience or internship in the financial sector strongly preferred Learn How to Apply Senior Wealth Advisor Proven leader who will serve as the principal contact with clients. This individual will have a broad and deep understanding of sophisticated wealth management practices and investment strategies. The ideal candidate will have extensive impact/mission related investing expertise. The Senior Wealth Advisor is responsible for maintaining the ongoing relationships and leading in the development of new client relationships. Duties + Responsibilities Managing the overall delivery of the wealth management services to the client. This will involve maintaining regular communication with the client, and working in consultation with the client’s other advisors. In addition, this position will oversee a group of client support personnel, including analysts and administrators in delivering investment management, tax, financial planning, and other pertinent financial services. Client Service Extensive communication with clients and their advisors Ability to discuss investment performance, economic and market trends Presentations to clients on financial and tax planning options and opportunities Direct consultation with attorneys, accountants and other advisors on financial, tax and estate planning Client meeting planning, facilitation and presentation Develop and/or deliver private wealth education sessions to clients and staff Financial Planning Develop knowledge of client’s entire financial and family situation and be able to structure a goals based investment and financial plan Ability to discuss estate planning and work with internal and external resources to meet estate planning goals of the client Understand and coordinate income tax planning and work closely with client tax advisors Evaluate and discuss options to meet client philanthropic goals Seek to establish a level of trust and confidence with the client so that any financial issue can be addressed and solutions offered Investment Management Ability to establish client investment objectives including risk tolerance, asset allocation, and cash requirements Implementation of investment plans Translate investment policy to individual investment objectives Monitor manager performance versus benchmarks and develops insights for clients regarding key contributors and detractors Monitor asset allocation on a quarterly basis relative to policy and goals; evaluates need to rebalance Reviews portfolio issues (i.e., taxes, liquidity events, capital calls, etc.) quarterly Present alternative investment ideas to clients Manage investment transition for new clients Provide recommendations to individuals and family foundations enabling them to fulfill their goals related to mission/impact investing Evaluate large holdings for performance relative to the overall portfolio and plan strategies for diversification New Business Development and Marketing Develops leads and referrals from current clients and outside contacts Seek to increase current accounts through additions to AUM Offer value-added fee-based services Participate in sales meetings with prospective clients Represent our investment philosophy and views to colleagues, clients and prospects Required Skills + Qualifications Exceptional understanding of the full range of investment expertise in wealth management and related products, services and processes – Ability to operate in an autonomous and entrepreneurial environment Ability to foster teamwork and motivate colleagues Capacity to work with demanding clients and diverse groups of people Client-centered focus Excellent strategic thinking ability Excellent consultative skills Strong written and verbal communication skills Self-confidence, personal integrity, credibility Skilled at analyzing and solving problems Results driven team player with entrepreneurial spirit Demonstrates and promotes integrity and dignity of the individual in an environment of mutual trust and respect Exhibits a commitment to lifelong learning Demonstrates a servant-leadership mindset toward all Encourages a direct and positive relationship between community and company Maintains the utmost discretion in working with sensitive and confidential information Required Education + Certifications Master’s degree or equivalent in a related field (Investments, Finance, Law, Accounting/Tax, Economics, Business Administration) 15 years of related experience; or an equivalent combination of education and experience At least one CFP, CPA, CFA or CIMA certification; extensive knowledge of certifications not earned Extensive leadership, communication and coaching classes (Coaching for Results, Meeting Facilitation, Leadership 360, etc.) Learn How to Apply Financial Services Internship The internship is designed to familiarize interested individuals and expand their knowledge regarding portfolio analysis, compliance and the operations of an independent financial services firm specializing in wealth management across a broad spectrum of client income levels and asset ownership. This position is perfect for a student with a major in Finance or Economics, who is looking to have great experience in a welcoming, professional environment. Benefits Shadowing, mentoring, and training opportunities with our experienced team of finance professionals Hands-on application of finance principles in a fast-paced work environment Opportunity to attend weekly meetings and occasional networking events Compensation available Duties + Responsibilities Learn the wealth management industry from the ground up Assist in research and maintenance of our investment portfolios Work with advisors to prepare custom retirement plans or investment strategies Assist with financial modeling Assist developing cash flow analysis with retirement planning software Prepare asset allocations for client or 401k investment strategies Provide support for annual budgeting process Assist with statistical analysis and other special projects Present data-driven recommendations to the finance team Work in direct collaboration with advisors and executive management as needed Required Skills + Education Finance, Economics, Business or related major Minimum GPA of 3.0 Strong verbal and written communication skills Highly motivated with a desire to learn Proficient in Microsoft Excel Learn How to Apply Certified Public Accountant (CPA) The CPA of our dreams will provide accounting, tax, and advisory services for individuals, small businesses, not for profits and trusts with a smile AND a velvet glove hiding an iron fist. This strategic mastermind will prepare and review tax filings, manage accounting engagements, and offer brilliant proactive planning strategies. This CPA/G2A (Gift to Accounting) will also play a key role in mentoring staff, assisting with complex client matters, and supporting the firm’s overall growth and integrated wealth & tax planning initiatives. Duties + Responsibilities Prepare and review federal, state, and local tax returns for individuals, businesses, not for profits and trusts. Provide tax planning, financial planning, and advisory services. Conduct and review bookkeeping, compilations, and financial statements. Perform tax research and interpret regulations to address client concerns. Represent clients before the IRS and state taxing authorities as needed. Manage client engagements, ensuring deadlines are met and work is high quality. Mentor junior staff and contribute to team development. Support business development activities and firm-wide initiatives. Required Skills + Qualifications Active CPA license required. 3+ years of public accounting and tax preparation experience preferred. Strong knowledge of tax codes, financial reporting, and accounting principles. Proficiency with Lacerte tax software preferred and accounting platforms (QuickBooks, Xero, etc.). Ability to analyze financial data, identify opportunities, and advise clients. Comfortable working independently and collaboratively in a small-firm environment. Strong organizational skills and ability to manage multiple priorities. Excellent written and verbal communication skills. Learn How to Apply Enrolled Agent The Enrolled Agent (EA) will be a whirlwind of efficiency and insight, providing tax preparation, planning, and resolution services for individuals, small businesses, not for profits and trusts. This hybrid magician-engineer role involves working directly with clients to address tax needs, ensuring compliance, and assisting with IRS/state representation when needed. The ideal candidate will thrive in a small-firm environment, demonstrate initiative, and contribute to building strong client relationships. Duties + Responsibilities Prepare and review federal, state, and local income tax returns for individuals, businesses, not for profits and trusts. Conduct tax research and provide guidance on complex tax matters. Assist with tax planning strategies to minimize liabilities. Collaborate with staff on bookkeeping, financial statement preparation, and other accounting services as needed. Maintain accurate and organized client files in compliance with firm procedures. Support process improvements and assist with firm growth initiatives. Provide excellent client service with timely communication and responsiveness. Required Skills + Qualifications: Active Enrolled Agent (EA) credential required. 2+ years of tax preparation and client-facing experience preferred. Strong knowledge of federal and state tax codes. Experience with Lacerte tax software and accounting platforms, preferred. Strong analytical skills and attention to detail. Comfortable working independently. Ability to manage multiple deadlines. Excellent written and verbal communication skills. Learn How to Apply Marketing Coordinator We are on the hunt for a whiz-bang marketing pro with serious social media expertise to elevate our brand presence and drive meaningful engagement across digital platforms. Our ideal wunderkind will be trusted to dive right in, take creative initiative, and help build our online community through strategic content creation and data-driven campaigns. Highly skilled at social media management and digital marketing operations, this digital native will join and inspire a team of like-minded innovators to achieve our unique brand vision and business goals. Duties + Responsibilities Develop and execute social media strategies across multiple platforms (Instagram, Facebook, LinkedIn, Twitter, TikTok, etc.) Create, curate, and manage engaging content including graphics, videos, stories, and written posts that align with brand voice. Monitor social media channels, respond to comments and messages, and foster community engagement. Analyze social media metrics and performance data to optimize campaigns and report on ROI. Coordinate with design, sales, and content teams to ensure cohesive marketing initiatives. Manage social media content calendar and maintain consistent posting schedule. Stay current on social media trends, platform updates, and emerging best practices. Plan and execute paid social media advertising campaigns within budget parameters. Assist in development of email marketing campaigns, blog content, and other digital marketing materials. Support coordination of events, promotions, and product launches across marketing channels. Track and report on campaign performance, audience growth, and engagement metrics. Required Skills + Qualifications: Proven experience managing business social media accounts with measurable results. Excellent written and verbal communication skills with strong attention to detail. Proficiency in social media management tools (ex: Hootsuite, Sprout Social, Buffer). Experience with graphic design and content creation tools (ex: Canva, Adobe Creative Suite). Strong understanding of social media analytics and reporting. Knowledge of paid social advertising platforms and campaign management. Ability to multitask, prioritize, and meet deadlines in fast-paced environment. Creative mindset with ability to generate fresh ideas and compelling content. Basic photography and video editing skills preferred. Experience with email marketing platforms and basic HTML knowledge a plus. Learn How to Apply Retirement Plan Specialist We have the perfect home for a motivated and personable Retirement Plan Specialist ready to promote, sell, and maintain 401(k) and other employer-sponsored retirement plan services to small and mid-sized businesses. This multi-faceted role involves a serious combination of ABC (Always Be Closing) outbound sales efforts, empathetic relationship management, and above-and-beyond client service. The winner will be responsible for building new business relationships, guiding employers through the retirement plan onboarding process, and providing ongoing service to existing clients. Duties + Responsibilities Identify and reach out to potential business clients through calls, email campaigns, referrals, and networking events. Educate prospects on the benefits of implementing or transitioning to our 401(k) solutions. Conduct consultations to assess employer needs and present tailored plan options. Serve as a primary contact for existing plan sponsors. Provide ongoing support and periodic plan reviews. Maintain compliance timelines and ensure satisfaction with plan administration services. Develop and execute marketing strategies to generate new leads. Partner with financial advisors, CPAs, and other professionals to drive referrals. Represent the firm at local business and trade events. Assist in onboarding new plans, including paperwork, coordination with record keepers, and implementation timelines. Track sales pipeline and follow-ups using CRM tools. Required Skills + Qualifications Proven experience in sales, financial services, retirement planning, or employee benefits (preferred) Strong communication and presentation skills Self-motivated with the ability to manage a sales pipeline and achieve performance goals Basic understanding of retirement plan types, especially 401(k), SEP, SIMPLE, etc. (Training provided) FINRA Series 65 or 66 preferred but not required Bachelor’s degree or equivalent work experience Learn How to Apply Applying for a Position To apply for an open position, please email the following materials to team@rjpattersongroup.com with the position title in the subject line: Cover letter Resume “Top 10 Reasons” list explaining why you are the perfect fit for this position Proof of any professional certifications and/or qualifications required for position Email Us to Apply --- ## Contact URL: https://rjpattersongroup.com/contact/ Contact Us Inquire About Our Services X/TwitterThis field is for validation purposes and should be left unchanged.First Name*Last Name*Email Address* Phone NumberHow can we help you?Consent By checking this box, I agree to receive recurring automated marketing and information via text message from the RJ Patterson Group. You may opt out by replying STOP or request more information by replying HELP. Message frequency varies. Message and data rates may apply. You can review our Privacy Policy to see how your data is used.CAPTCHA SUBMIT INQUIRY Reach Our Offices San Diego402 West Broadway Suite 2600,San Diego, CA 92101Tel: (619) 331-4133Fax: (619) 684-3911Email: a2p@rjpattersongroup.com Palm Desert74-399 Hwy 111 S, Suite DPalm Desert, CA 92260Tel: (760) 874-1739Fax: (619) 684-3911Email: a2p@rjpattersongroup.com Carlsbad2173 Salk Avenue, Suite 250Carlsbad, CA 92008Tel: (619) 331-4133Fax: (619) 684-3911Email: a2p@rjpattersongroup.com Beverly Hills415 North Camden Drive, Suite 111Beverly Hills, CA 90210Tel: (323) 657-6335Fax: (619) 684-3911Email: a2p@rjpattersongroup.com Long Beach100 Oceangate, 12th FloorLong Beach, CA 90802Tel: (562) 469-3035Fax: (619) 684-3911Email: a2p@rjpattersongroup.com Newport Beach 4930 Campus Drive Newport Beach, CA 92660 Tel: (949) 594-1505 Fax: (619) 684-3911 Email: a2p@rjpattersongroup.com --- ## Privacy Policy URL: https://rjpattersongroup.com/privacy-policy/ Privacy Policy Please read this Policy carefully. It gives you important information about how RJ Patterson Capital Investment Group, Inc. handles non-public personal information (“Personal Information”) that we may receive about you. It applies to all of our past, present, and future clients and will continue to apply when you are no longer a client. We Care about Your Privacy RJ Patterson Capital Investment Group, Inc. considers your privacy to be a fundamental aspect of our relationship with you, and we strive to maintain the confidentiality, integrity, and security of our Personal Information. To ensure your privacy, we have developed policies that are designed to protect your Personal Information while allowing your needs to be served. Information We May Collect In the course of providing you with products and services, RJ Patterson Capital Investment Group, Inc. may obtain Personal Information about you, which may come from sources such as account application and other forms, from other written, electronic, or verbal communications, from account transactions, from a brokerage or financial advisory firm, financial advisor or consultant, and/or from information you provide. You are not required to supply any of the Personal Information that we may request. However, failure to do so may result in us being unable to open and maintain your account, or to provide services to you. How Your Information Is Shared RJ Patterson Capital Investment Group, Inc. does not disclose your Personal Information to anyone for marketing purposes. We disclose your Personal Information only to those service providers, affiliated and non-affiliated, who need the information for everyday business purposes, such as to respond to your inquiries, to perform services, and/or to service and maintain your account. This applies to all of the categories of Personal Information we collect about you. The service providers who receive your Personal Information also may use it to process your transactions, provide you with materials (including preparing and mailing prospectuses and shareholder reports and gathering shareholder proxies), and provide you with account statements and other materials relating to your account. These service providers provide services at our direction, and under their agreements with us, are required to keep your Personal Information confidential and to use it only for providing the contractually required services. Our service providers may not use your Personal Information to market products and services to you except in conformance with applicable laws and regulations. RJ Patterson Capital Investment Group, Inc. also may provide your Personal Information to your respective brokerage or financial advisory firm, custodian, and/or to your financial advisor or consultant. In addition, we reserve the right to disclose or report Personal Information to third parties, in limited circumstances, where we believe in good faith that disclosure is required under law, to cooperate with regulators or law enforcement authorities or pursuant to other legal process, or to protect our rights or property, including to enforce our Privacy Policy or other agreements with you. Personal Information collected by us may also be transferred as part of a corporate sale, restructuring, bankruptcy, or other transfer of assets. Security of Your Information RJ Patterson Capital Investment Group, Inc. maintains your Personal Information for as long as necessary for legitimate business purposes or otherwise as required by law. In maintaining this information, we have implemented appropriate procedures that are designed to restrict access to your Personal Information only to those who need to know that information in order to provide products and/or services to you. In addition, we have implemented physical, electronic, and procedural safeguards to help protect your Personal Information. Changes to Our Privacy Policy RJ Patterson Capital Investment Group, Inc. may modify this Privacy Policy from time-to-time to reflect changes in related practices and procedures, or applicable laws and regulations. If we make changes, we will notify you on our website and the revised Policy will become effective immediately upon posting to our website. We will also provide account owners with a copy of our Privacy Policy annually. We encourage you to visit our website periodically to remain up to date on our Privacy Policy. You acknowledge that by using our website after we have posted changes to this Privacy Policy, you are agreeing to the terms of the Privacy Policy as modified. Mobile and SMS Messaging Privacy and Opt Out If you provide us with a mobile phone number, we may use it to communicate with you for customer service purposes such as scheduling, onboarding, responding to inquiries, and marketing. Mobile phone contact information and SMS consent will not be shared, sold, rented, or otherwise distributed to third parties for their marketing purposes. We do not sell your personal information. Opt out: You can stop receiving text messages at any time by replying STOP.
 Help: For assistance, reply HELP or contact us at +16193314133. Message frequency may vary. Message and data rates may apply. Obtaining Additional Information If you have any questions about this Privacy Policy or our privacy related practices in the United States, you may contact RJ Patterson Capital Investment Group, Inc. --- ## About URL: https://rjpattersongroup.com/about/ Integrity. Respect. Collaboration. Stewardship. Advocacy. At RJ Patterson Group, we believe that everyone deserves to feel great about their money. We take great pride in listening to what our clients really want, building relationships focused on helping them achieve their financial goals. Here’s how we do it. Integrity Honest and transparent advice Our passion is for people to be prosperous and make their financial dreams a reality. As an RIA (Registered Investment Advisory firm), we are legally bound to work in your best interest. By understanding your personal goals and concerns, we promise to deliver tailored and transparent guidance.   Integrity Honest and transparent advice Our passion is for people to be prosperous and make their financial dreams a reality. As an RIA (Registered Investment Advisory firm), we are legally bound to work in your best interest. By understanding your personal goals and concerns, we promise to deliver tailored and transparent guidance. Respect Support for all points of view We understand “prosperity” means many things to many people, and we strive to understand what it means for you. As your full-life financial guides, we will help you build a sustainable future for the life you live, the ones you love, and the legacy you leave behind.   Respect Support for all points of view We understand “prosperity” means many things to many people, and we strive to understand what it means for you. As your full-life financial guides, we will help you build a sustainable future for the life you live, the ones you love, and the legacy you leave behind.   Collaboration True partnership with every client We are wholly dedicated to helping you visualize a better path to lasting wealth. We guide clients on the financial path leading to their Ascent to Prosperity™. Collaboration True partnership with every client We are wholly dedicated to helping you visualize a better path to lasting wealth. We guide clients on the financial path leading to their Ascent to Prosperity™. Stewardship Expert guidance on the journey to prosperity From basecamp to summit, think of us as your personal “Wealth Sherpa,” guiding you along the path leading to your Ascent to Prosperity™, coaching you along your journey to make the right decisions as it relates to your finances along the way. Stewardship Expert guidance on the journey to prosperity From basecamp to summit, think of us as your personal “Wealth Sherpa,” guiding you along the path leading to your Ascent to Prosperity™, coaching you along your journey to make the right decisions as it relates to your finances along the way. Advocacy Always acting in the best interest of each client As true partners and champions of your long-term success, we are committed to ensuring that your voice is heard, your rights are safeguarded and your views and wishes are genuinely considered in all decisions related to your journey to financial freedom and fiscal security. Advocacy Always acting in the best interest of each client As true partners and champions of your long-term success, we are committed to ensuring that your voice is heard, your rights are safeguarded and your views and wishes are genuinely considered in all decisions related to your journey to financial freedom and fiscal security. Why We’re Different Big-investment experience, boutique service Hands-on personalized service approach Same-day response Always willing to come to you Always directly available by cell Always polite and personable Always ready to go the extra mile Big-investment experience, boutique service Hands-on personalized service approach Same-day response Always willing to come to you Always directly available by cell Always polite and personable Always ready to go the extra mile Our Team Robert Patterson CEO I.A.R. (Investment Advisor Representative) of the R.I.A. (Registered Investment Adviser) C.R.P.C. (Chartered Retirement Planning Counselor) Chartered Retirement Plans Specialist (CRPS®) Fiduciary Charles Schwab Morning Star NFL approved financial advisor for athletes   I.A.R. (Investment Advisor Representative) of the R.I.A. (Registered Investment Adviser) C.R.P.C. (Chartered Retirement Planning Counselor) Chartered Retirement Plans Specialist (CRPS®) Fiduciary Charles Schwab Morning Star NFL approved financial advisor for athletes Robert Patterson provides comprehensive financial planning advice focusing on the investment needs of high net-worth clients, businesses, and other select individuals. He graduated with honors from San Diego State University with a degree in Liberal Arts and Sciences. He received his certification as a chartered, retirement planning counselor from the College for Financial Planning. Mr. Patterson is a committed supporter of his community and an active member of the San Diego Nice Guys, a non-profit charitable organization who dedicate their time and money to helping families, schools, and foundations in and around the San Diego area. He currently lives in San Diego with his wife, Audrey, and their two children, Rachel and Zachary. Ana Padilla Executive Assistant As an executive assistant, Ana is responsible for the smooth management and execution of the firm’s everyday activities. She is the point-of-contact between Robert and our existing and potential clients. Ana takes care of scheduling, account opening, and any updates required by our clients. She is also bilingual and happily assists our Spanish-speaking clients with their needs. Ana has an extensive background in customer service which enables her to provide the best possible experience for RJ Patterson Group clients. Born and raised in San Diego, she takes advantage of her free time enjoying and exploring all the city and region has to offer, from the beaches to its deserts. Kameron Barzegar Senior Investment Advisor Kameron assists clients in all areas of their financial life: planning, coaching, consulting, risk mitigation and custom portfolio design. He graduated with honors from The University of Arizona, Eller College of Management with a degree in finance. He is a Registered Investment Adviser in the state of California. CRD#:7420772 Kameron is passionate about teaching financial literacy to help clients achieve their objectives. He is skilled in building custom portfolios to reflect each client’s individual risk, time horizon, and objectives. He believes every person should be educated on the investments they undertake, why they were selected, and potential risks involved, to ensure clients are comfortable with their investment selection. In his free time, you might catch him at the beach or in the mountains skiing. Interested in joining our team? Contact us today Tel. 619.331.4133 Contact Us Interested in joining our team? Contact us today Tel. 619.331.4133 Contact Us A Five Star Advisor Approach to Risk Management ★★★★★ With our services, clients feel even safer knowing they’re working with a Five Star Advisor. Five Star Professional, an organization that conducts market research in order to define and promote professional excellence, helps consumers find and work with professionals that have already been approved and trusted by many others before. Partnering with a Five Star Advisor here at RJ Patterson Group, it’s a testament to the fact that other people, just like you, have used our services previously and already had great success. Such services include, of course, risk management. We keep up-to-date with clients so we can make sure to forecast and evaluate any potential financial risks. By discussing each client’s goals and needs, our advisors work to identify risks or minimize any impact before they actually happen. With risk management, planning and strategy are key to assuring an upward ascent on the Ascent to Prosperity™. --- ## Emerging Professionals Program URL: https://rjpattersongroup.com/services-for-individuals/emerging-professionals-program/ Emerging Professionals Program Building a Solid Foundation for Your Life of Financial Freedom Explore the Emerging Professionals Program Know Your WhyBecome the Money BossSounds of SuccessThe Advantage of Starting NOW You’re ready to take control of your finances and create the life you want.We’re here to help. RJ Patterson Group’s Emerging Professionals Program (EPP) transforms the anxiety and uncertainty that comes with financial planning into a positive, enjoyable investment in your future.  The EPP program is designed specifically for those beginning their A2P: Ascent to Prosperity – the personal path to achieving financial success and fiscal security: Recent Graduates Young Professionals New Investors Individuals with under 500K in assets Creating the Next Generation of Savvy InvestorsThrough the EPP you will build a solid foundation for a life of fiscal security and financial freedom: Redefine your relationship with money Create a personalized, step-by-step wealth-building plan Set short and long-term financial goals Determine how much to save now Align your “Money Mindset” to accelerate your business/career path Create a financial blueprint to achieve the life of your dreams. Live the Life You Dream OfUnder the guidance of our dedicated team of proven EPP experts, you will develop financial competency, confidence and insight. The EPP Goal: empowering you to reach fiscal security and live the life you dream of while following the path that will lead to your personal financial summit. Click here to apply for enrollment in the Emerging Professionals Program. With our expertise, we can help you become a successful investor. Contact us today to get started  Tel. 619.331.4133 Contact Us With our expertise, we can help you become a successful investor. Contact us today to get started Tel. 619.331.4133 Contact Us Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth.LEARN MORE  Pro Athlete Consulting Transforming the wealth created on the field into long-term financial success.LEARN MORE  Fiduciary Services Tailored, transparent guidance to help every client realize both investment and life goals.LEARN MORE  Retirement Plan Design Creating the path to long-term financial success and fiscal security in retirement.LEARN MORE  --- ## Integrated Tax + Advisory Services URL: https://rjpattersongroup.com/integrated-tax-advisory-services/ Integrated Tax + Advisory Services Service • Strategy • Solutions RJP Tax + Advisory provides proven expertise and strategic guidance in all tax-related matters for individuals, multi-generational families and businesses. We help clients minimize tax liabilities while providing direction in planning financial growth and sustainable wealth. As a full-life financial partner, we make sure you are prepared to take care of what matters most, in every phase of life. The Power of Integrated Wealth and Tax Planning Optimize efficiency and positive outcomes with our seamless, fully integrated financial and tax service model. Our integrated wealth and tax planning program streamlines financial management, reduces tax burdens, and enhances long-term financial outcomes. Click here to learn more Tax Service Above and Beyond the Return Income Tax Planning Income Tax Return Preparation Amended Filings Audit Representation Financial Coaching Unfiled/Past Years Return Assistance IRS Collections Installment Agreements Offers in Compromise Penalty Abatement Problem Resolution + Defense Tax Notices Tax Research and Monitoring Integrated Wealth & Tax Planning Optimizing Efficiency and Positive Outcomes Learn more Tax Services for Individuals Personalized Planning, Preparation and Compliance Learn more Tax Services for Businesses Managing and Minimizing Business Tax Liabilities Learn more Meet Our Tax Team The People Driving Our Passion for Performance Learn more Step into our office. Take the next step. Meet with us to begin our journey to your success. Step into our office. Take the next step. Meet with us to begin our journey to your success. --- ## Nav Placeholder URL: https://rjpattersongroup.com/nav-placeholder/ Integrated Wealth & Tax Planning Optimizing Efficiency and Positive Outcomes Explore Our Tax + Advisory Services Tax Services for Individuals Tax Services for Businesses Meet Our Tax Team Our integrated wealth and tax services programs simplify your financial life, reduce your tax burden, and enhance your long-term wealth. We are passionate about ensuring clients receive seamless coordination between their investment strategy and tax plan, eliminating inefficiencies and maximizing positive outcomes. Toward that end, we’ve created a unique service model where wealth management and tax professionals work together in real-time, sharing critical information to deliver timely, accurate advice tailored to your current situation. No decisions fall through the cracks, no opportunities are missed or left unexamined in the pursuit of positive financial and tax-related results. Integrated Wealth + Tax Services Real-Time Coordination Between Investment Strategy & Tax Planning Unified Team Approach—One Roof, Complete Solutions Proactive Tax Strategy Integrated with Portfolio Management Streamlined Information Sharing for Maximum Efficiency Tax-Optimized Wealth Management Decisions Comprehensive Financial Planning with Tax Implications Front and Center Enhanced Performance Through Strategic Tax and Investment Alignment Next Steps:We invite you to schedule a complimentary planning session with a Wealth Manager and CPA to explore how this integrated service model can benefit your specific situation. Call or click here to start the conversation. Tax Service Above and Beyond the Return Unified Wealth & Tax Strategy Proactive Year-Round Tax Planning Real-Time Access & Responsiveness Coordinated Planning Meetings Tax-Efficient Withdrawal Strategies Liability Projections & Withholding Analysis Tax Filing & Documentation Secure Data Sharing & Authorization Business Owner & Self-Employed Optimization Estate & Legacy Planning Support Charitable Giving Optimization Education & Tax Credit Planning Tax Services for Individuals Personalized Planning, Preparation and Compliance Learn more Tax Services for Businesses Managing and Minimizing Business Tax Liabilities Learn more Meet Our Tax Team The People Driving Our Passion for Performance Learn more Step into our office. Take the next step. Meet with us to begin our journey to your success. Step into our office. Take the next step. Meet with us to begin our journey to your success. --- ## Tax Services for Individuals URL: https://rjpattersongroup.com/tax-services-for-individuals/ Tax Services for Individuals Personalized Planning, Preparation and Compliance Explore Our Tax + Advisory Services Tax Services for Businesses Meet Our Tax Team Integrated Wealth & Tax Planning As a top-tier, integrated strategic tax services and wealth management practice we deliver strategic solutions to variety of individuals, families and multi-generational entities. We bring a breadth and depth of experience and proven expertise hard to match in the delivery of customized tax services and financial planning that work together to fit the needs of every client in their journey on the Ascent to Prosperity® that defines financial freedom and security. Personal Tax Preparation Income Tax Planning Income Tax Return Preparation Federal and State Audit Representation Estate Tax Return Preparation + Filing Expatriate tax preparation + FBAR filing Foreign Financial Reporting Multi-state Income Tax Preparation + Compliance Quick Tax Refunds with E-file Section 1031 Exchanges (Like-Kind) Divorce Consulting Tax Service Above and Beyond the Return Income Tax Planning Income Tax Return Preparation Amended Filings Audit Representation Financial Coaching Unfiled/Past Years Return Assistance IRS Collections Installment Agreements Offers in Compromise Penalty Abatement Problem Resolution + Defense Tax Notices Tax Research and Monitoring Integrated Wealth & Tax Planning Optimizing Efficiency and Positive Outcomes Learn more Tax Services for Businesses Managing and Minimizing Business Tax Liabilities Learn more Meet Our Tax Team The People Driving Our Passion for Performance Learn more Step into our office. Take the next step. Meet with us to begin our journey to your success. Step into our office. Take the next step. Meet with us to begin our journey to your success. --- ## Meet our tax team URL: https://rjpattersongroup.com/meet-our-tax-team/ Meet Our Tax Team The People Driving Our Passion for Performance Angie Verlodt Martino Managing Director, CPA Meet Angie Verlodt Martino, a CPA who is as passionate about optimizing your tax strategy as she is about dogs (and that's saying something). Angie serves as Managing Director of RJP Tax + Advisory, our integrated strategic practice focusing on tax planning, compliance and the accurate preparation of complex tax returns that are the culmination of careful planning throughout the year. Angie and the RJP Tax team strive to manage and limit tax liability while ensuring clients avoid expensive surprises at tax time through proactive strategies that minimize taxes for individuals and businesses. Born near South Bend, Indiana, and raised in Glendale, Arizona, Angie's journey to the pinnacle of accounting excellence took a scenic route through the Southwest, with a pit stop at Northern Arizona University. There, she earned her degree in Business Administration, along with a minor in mathematics for good measure, often wondering why calculators didn’t come with a “Save Client Money" button. Read more Angie added a degree in Accounting from California State Stanislaus when she moved from San Diego to San Luis Reservoir in the Central Valley with her husband Mike. The couple, along with their graceful greyhound Sahara, headed inland where her husband mastered open water rescues as a California State Parks lifeguard supervisor while Angie dove into her own adventure at the historic Hillberg and Company, CPAs accounting firm. At this family-owned firm, established in 1947 by Carl Hillberg and later run by his son Rob, she sharpened her skills in tax preparation and the successful resolution and impact of audits. The family grew with the addition of a playful black Lab puppy named Gus during these bucolic “Central Valley Days”. A transfer and promotion for Mike  brought the entire crew back to San Diego. While Mike kept the beaches clean and safe Angie tackled the downtown corporate jungle at a major regional accounting firm before trading in her briefcase and high-rise view for a challenging Controller position at a local pool-building franchise company. In January 2005, Angie earned her CPA license and launched Black Dog Accounting in April 2008. The firm (named after the tennis-ball-loving Lab from their Valley days) specialized in helping small businesses and individuals minimize tax liabilities while maximizing the effectiveness of their overall tax strategies. As the commander of RJP Tax + Advisory she combines her knack for spotting tax-saving opportunities with a dedication to delivering smile-inducing results for clients. When she's not helping businesses save money, avoid tricky tax traps and grow the bottom line, you'll find her surrounded by four-legged friends, explaining why treats aren't tax-deductible (yet). Read less Todd Solin Senior Tax Associate With over eight years of experience on the front lines of tax preparation, financial analysis, and audit compliance, Todd is ideally suited to helping clients optimize their financial strategies through the efficient and effective management and filing of their taxes. In his current role as Senior Tax Associate, he excels as a seasoned tax preparer with a laser-focus on minimizing liabilities and optimizing positive tax results for individuals, families and businesses: Preparation of complex state, federal & multi-state income tax returns Organization, & review of client information Preparation of work papers supporting tax returns Research of tax-related issues necessary to complete tax returns Read more Born and raised in Bedford, New York, an hour outside of New York City, Todd headed west for college, earning a BS in Communications Journalism from Southern Oregon State University. Prior to joining RJP Tax + Advisory as a Senior Tax Associate, he worked at Locatelli & Co in several capacities including Administration, Customer Service, and Tax Associate. When not scrutinizing the latest deduction schedule for hidden tax-saving gems, Todd enjoys playing and watching a variety of sports when he is not embracing the great outdoors while camping and hiking with his wife Crystal. Read less Lorie Xelowski Operations Manager With over 25 years of experience in operations management, accounting processes, and helping small businesses realize long-term success through smart growth, Lorie champions efficiency, practical strategy, and effective systems development. A love for numbers and a talent for organization drive her ability to keep projects on track while building solid operational and financial foundations for sustainable growth. Manages operations, tasks and projects Facilitates client communications and updates between tax and advisory teams Advises on accounting and workflow processes for clients as needed Assists with multi-entity monthly account reconciliations Read more Outside work, Lorie is an Arizona native who loves the beach! With adult children living on both coasts, she and her husband Terry enjoy traveling to visit them and exploring new places. When at home in Chandler, she enjoys watching sports, meeting up with friends, and trying new restaurants in the Phoenix valley. Read less Interested in joining our team? Contact us today Tel. 619.331.4133 Contact Us Interested in joining our team? Contact us today Tel. 619.331.4133 Contact Us Step into our office. Take the next step. Meet with us to begin our journey to your success. Step into our office. Take the next step. Meet with us to begin our journey to your success. --- ## Tax Services for Business URL: https://rjpattersongroup.com/tax-services-for-business/ Tax Services for Businesses Managing and Minimizing Business Tax Liabilities Explore Our Tax + Advisory Services Tax Services for Individuals Meet Our Tax Team Integrated Wealth & Tax Planning RJP Tax + Advisory specializes in minimizing tax liabilities and maximizing tax saving for all types of small businesses, including Partnerships, LLCs, C-Corps and S-Corps. We are passionate about ensuring that business clients realize every appropriate tax break in the pursuit of paying less taxes and achieving maximum profits. Toward that end, we specialize in creating proactive tax strategies that work year-round to minimize liabilities while delivering ethical, and effective guidance for all types of small businesses. Business Tax Preparation Sole Proprietor, Partnership, LLC, Single Member LLC, C-Corp, S-Corp Tax Expertise Estate Tax Return Preparation + Filing for Business Owners Expatriate Tax Preparation + FBAR Filing Form 990 Tax Returns for Nonprofits Multi-State Tax Preparation for Businesses Small Business Tax Liability Minimization Succession Planning Tax Service Above and Beyond the Return Income Tax Planning Income Tax Return Preparation Amended Filings Audit Representation Financial Coaching Unfiled/Past Years Return Assistance IRS Collections Installment Agreements Offers in Compromise Penalty Abatement Problem Resolution + Defense Tax Notices Tax Research and Monitoring Tax Services for Individuals Personalized Planning, Preparation and Compliance Learn more Integrated Wealth & Tax Planning Optimizing Efficiency and Positive Outcomes Learn more Meet Our Tax Team The People Driving Our Passion for Performance Learn more Step into our office. Take the next step. Meet with us to begin our journey to your success. Step into our office. Take the next step. Meet with us to begin our journey to your success. --- ## Integrated Wealth & Tax Planning URL: https://rjpattersongroup.com/integrated-wealth-tax-planning/ Integrated Wealth & Tax Planning Optimizing Efficiency and Positive Outcomes Explore Our Tax + Advisory Services Tax Services for Individuals Tax Services for Businesses Meet Our Tax Team Our integrated wealth and tax services programs simplify your financial life, reduce your tax burden, and enhance your long-term wealth. We are passionate about ensuring clients receive seamless coordination between their investment strategy and tax plan, eliminating inefficiencies and maximizing positive outcomes. Toward that end, we’ve created a unique service model where wealth management and tax professionals work together in real-time, sharing critical information to deliver timely, accurate advice tailored to your current situation. No decisions fall through the cracks, no opportunities are missed or left unexamined in the pursuit of positive financial and tax-related results. Integrated Wealth + Tax Services Real-Time Coordination Between Investment Strategy & Tax Planning Unified Team Approach—One Roof, Complete Solutions Proactive Tax Strategy Integrated with Portfolio Management Streamlined Information Sharing for Maximum Efficiency Tax-Optimized Wealth Management Decisions Comprehensive Financial Planning with Tax Implications Front and Center Enhanced Performance Through Strategic Tax and Investment Alignment Next Steps:We invite you to schedule a complimentary planning session with a Wealth Manager and CPA to explore how this integrated service model can benefit your specific situation. Call or click here to start the conversation. Tax Service Above and Beyond the Return Unified Wealth & Tax Strategy Proactive Year-Round Tax Planning Real-Time Access & Responsiveness Coordinated Planning Meetings Tax-Efficient Withdrawal Strategies Liability Projections & Withholding Analysis Tax Filing & Documentation Secure Data Sharing & Authorization Business Owner & Self-Employed Optimization Estate & Legacy Planning Support Charitable Giving Optimization Education & Tax Credit Planning Tax Services for Individuals Personalized Planning, Preparation and Compliance Learn more Tax Services for Businesses Managing and Minimizing Business Tax Liabilities Learn more Meet Our Tax Team The People Driving Our Passion for Performance Learn more Step into our office. Take the next step. Meet with us to begin our journey to your success. Step into our office. Take the next step. Meet with us to begin our journey to your success. --- ## Home URL: https://rjpattersongroup.com/ Expert Guidance on Your A2P: Ascent to Prosperity™ Find out how the RJ Patterson Group can guide you toward reaching your personal fiscal peak. Learn more about the Ascent to Prosperity  Meet The Expert Meet The Expert Meet the Expert: Robert Patterson Proven wealth management designed for your life. We understand your needs and aspirations, and we’re here to help you achieve your financial goals. RJ Patterson Group offers comprehensive, customized financial planning for all aspects of your life: Investment Management Retirement Strategies Retirement Distribution Tax Strategies College Planning Saving Goal Planning What-if Scenarios 401K Plans for Businesses Risk Planning Executive Services Estate Planning Personal Trust Services Investment Management Retirement Strategies Retirement Distribution Tax Strategies College Planning Saving Goal Planning What-if Scenarios 401K Plans for Businesses Risk Planning Executive Services Estate Planning Personal Trust Services Financial Services for Individuals and Couples Achieve your goals and realize your aspirations through financial planning clarity and sustainable wealth.LEARN MORE  Financial Services for Businesses Attract and retain your most valuable asset — your employees — with customized 401K and benefit solutions.LEARN MORE  It’s never too soon or too late to start your journey toward financial success. Contact us today  Tel. 619.331.4133 Contact Us It’s never too soon or too late to start your journey toward financial success. Contact us today    Tel. 619.331.4133 Contact Us Real Results. Real Success. At RJ Patterson we pride ourselves on delivering results. A look at how we do it can be found in the case studies below. Case Study 1: Home on the Range. Overview: Our client had a lifelong dream of owning a working cattle ranch in Texas. Challenge: The client needed funding to make this happen and allow for a smooth transition from being an employee to becoming a business owner. Our Solution: We designed a comprehensive financial plan by working backwards from the ultimate goal of ranch ownership. Based on the plan’s funding requirements to make it a reality, RJ Patterson Group consolidated accounts, suggested better performing investment vehicles, planned for her employment exit and advised on the creation of a new business plan for the ranching business. Our Results: Within 6 years of plan introduction, she and her husband purchased—and now live on—a 300+ acre ranch in Texas complete with cattle, horses, and not one, but two, fishing lakes. NEXT CASE STUDY Real Results. Real Success. At RJ Patterson we pride ourselves on delivering results. A look at how we do it can be found in the case studies below. Case Study 2: Manufacturing Recurring Revenue. Overview: Our clients wanted business growth, but were constrained by physical location. Challenge: While the company owned the building and land on which the business was operating, the property’s odd-shaped lot wasn’t conducive to manufacturing. Our Solution: When an adjoining property became available, the client didn’t believe it could be purchased due to a lack of funds. RJ Patterson Group analyzed possible financial solutions and created a realistic acquisition plan. As a result, the client was able to make an offer and acquire the additional property. Our Results: The adjoining lot allowed the use of tractor trailers to easily access the building, greatly increasing manufacturing capacity. The lot is now worth double the client’s original purchase price as a result of this increased usability. The client will also receive rent in perpetuity from the business, providing him passive income long after he retires, because RJ Patterson Group advised the client to set up the additional lot as a separate business entity, enabling the business to lease the property. NEXT CASE STUDY Step into our office. Take the next step. Meet with us to begin our journey to your success. Step into our office. Take the next step. Meet with us to begin our journey to your success. Let’s start your Ascent to Prosperity now  Learn More Contact Us Let’s start your Ascent to Prosperity now  Learn More Contact Us --- ## RJP 401(k) Fix URL: https://rjpattersongroup.com/services-for-businesses/401k-programs-for-businesses/rjp-401k-fix/ RJP 401(k) Fix: Current Plan Compliance RJP 401(k) Targeted ProgamsRJP 401(k) CreateRJP 401(k) EnhanceRJP 401(k) Fix Benefit Solutions for Business 401(k) Fix Program RJP 401(k) Fix program plans are designed specifically for businesses and organizations who have an existing retirement plan that is not in regulatory compliance. Programs are fully customizable to meet the specific needs of organizations, owners and employees. Program Focus: Businesses with an existing 401(k) plan that is not in compliance with IRS/DOL (ERISA) rules and regulations or may be in danger of becoming non-compliant. Program Features: A return to regulatory compliance offers the chance to turn an organizational liability into a powerful positive asset: • Identify deficient plan elements causing non-compliance • Establish goals to measure plan success and compliance going forward• Develop metrics to evaluate plan performance and ensure regulatory compliance Program Benefits: Bringing non-compliant plans into regulatory compliance is critical to ensuring long-term organizational success through the elimination of significant economic and legal liabilities: • Reduced tax penalties• Reduced likelihood of plan-related litigation• Resolution of outstanding legal and fiduciary liabilities• Mitigation of potential legal and fiduciary liability We offer the following business solutions: 401K Plan Safe Harbor 401K Cash Balance Deferred Compensation (tax savings) Defined Benefits ESOP Investment management Financial consulting for retirement accumulation Profit Sharing Retirement distribution Risk planning Savings Goal Planning Tax strategies What-if Scenarios Corporate retirement design providers and partners: We can help you choose the best current options on the market. Contact us today to get started  Tel. 619.331.4133 Contact Us We can help you choose the best current options on the market. Contact us today to get started  Tel. 619.331.4133 Contact Us Financial Planning Tools Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth. LEARN MORE  Fiduciary Services Fiduciary Services Delivering expert service that is always in our clients’ (and their employees’) best interests. LEARN MORE  Financial Planning Tools Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth. LEARN MORE  Fiduciary Services Fiduciary Services Delivering expert service that is always in our clients’ (and their employees’) best interests. LEARN MORE  --- ## Smartvestor URL: https://rjpattersongroup.com/smartvestor/ SmartVestor Pro: Expert Guidance on Your A2P Ascent to Prosperity™ Welcome to SmartVestor Pro! Our team loves helping Dave Ramsey fans, followers and SmartVestors with their investments and financial planning needs. We look forward to meeting you and helping you to achieve financial security and success on your Ascent to Prosperity. Learn more about the Ascent to Prosperity  SmartVestor Pro Welcome SmartVestors! Why We’re a Great Fit for SmartVestors So why should SmartVestors like yourself work with RJ Patterson Group to realize their dreams of financial freedom, security and success? We know you have lots of options. Here’s our elevator pitch for why RJ Patterson Group is a great fit for you: #1 We get to know you. We truly believe that in order to help you achieve YOUR goals, we need to first understand you. #2 We are a team of professionals dedicated to your success. We offer a depth and breadth of service, support and expertise that are hard to beat. #3 We are a fiduciary. As a both a fiduciary and a Dave Ramsey SmartVestor Pro, we are dedicated to upholding the highest ethical standards with our clients. Real Results. Real Success. At RJ Patterson we pride ourselves on delivering results. A look at how we do it can be found in the case studies below. Case Study 2: Manufacturing Recurring Revenue. Overview: Our clients wanted business growth, but were constrained by physical location. Challenge: While the company owned the building and land on which the business was operating, the property’s odd-shaped lot wasn’t conducive to manufacturing. Our Solution: When an adjoining property became available, the client didn’t believe it could be purchased due to a lack of funds. RJ Patterson Group analyzed possible financial solutions and created a realistic acquisition plan. As a result, the client was able to make an offer and acquire the additional property. Our Results: The adjoining lot allowed the use of tractor trailers to easily access the building, greatly increasing manufacturing capacity. The lot is now worth double the client’s original purchase price as a result of this increased usability. The client will also receive rent in perpetuity from the business, providing him passive income long after he retires, because RJ Patterson Group advised the client to set up the additional lot as a separate business entity, enabling the business to lease the property. NEXT CASE STUDY Step into our office. Take the next step. Meet with us to begin our journey to your success. Step into our office. Take the next step. Meet with us to begin our journey to your success. Let’s start your Ascent to Prosperity now  Learn More Contact Us Let’s start your Ascent to Prosperity now  Learn More Contact Us --- ## Smartasset URL: https://rjpattersongroup.com/smartasset/ Smart Asset Pro: Expert Guidance on Your A2P Ascent to Prosperity™ Hello and welcome – it looks like we’re a Smart Asset match! Our team loves helping smart investors with their investment, financial planning and tax advisory needs. We look forward to meeting you and helping you to achieve financial security and success on your Ascent to Prosperity. Learn more about the Ascent to Prosperity  Smart Asset Pro Welcome Smart Asset Investors! Why We’re a Great Fit for Smart Asset Investors So why do smart investors like yourself work with RJ Patterson Group to realize their dreams of financial freedom, security and success? We know you have lots of options. Here’s our elevator pitch for why RJ Patterson Group is a great fit for you: #1 We get to know you. We truly believe that in order to help you achieve YOUR goals, we need to first understand you. Rather than selling, we prefer to teach our clients, guiding them on the path to prosperity that best fits them. #2 We are a team of professionals dedicated to your success. We offer a depth and breadth of service, support and expertise that are hard to beat. When you become a client, everyone at RJ Patterson Group will focus on helping you to visualize and achieve a better path to lasting wealth. #3 We are a trusted guide on your Ascent to Prosperity. For every wealth-building journey we act as trusted guides and experts on the financial path that is your personal Ascent to Prosperity. This vision of success means many things to many people— there is no generic template for achieving “success”. Real Results. Real Success. At RJ Patterson we pride ourselves on delivering results. A look at how we do it can be found in the case studies below. Case Study 2: Manufacturing Recurring Revenue. Overview: Our clients wanted business growth, but were constrained by physical location. Challenge: While the company owned the building and land on which the business was operating, the property’s odd-shaped lot wasn’t conducive to manufacturing. Our Solution: When an adjoining property became available, the client didn’t believe it could be purchased due to a lack of funds. RJ Patterson Group analyzed possible financial solutions and created a realistic acquisition plan. As a result, the client was able to make an offer and acquire the additional property. Our Results: The adjoining lot allowed the use of tractor trailers to easily access the building, greatly increasing manufacturing capacity. The lot is now worth double the client’s original purchase price as a result of this increased usability. The client will also receive rent in perpetuity from the business, providing him passive income long after he retires, because RJ Patterson Group advised the client to set up the additional lot as a separate business entity, enabling the business to lease the property. NEXT CASE STUDY Step into our office. Take the next step. Meet with us to begin our journey to your success. Step into our office. Take the next step. Meet with us to begin our journey to your success. Let’s start your Ascent to Prosperity now  Learn More Contact Us Let’s start your Ascent to Prosperity now  Learn More Contact Us --- ## RJP 401(k) Enhance URL: https://rjpattersongroup.com/services-for-businesses/401k-programs-for-businesses/rjp-401k-enhance/ RJP 401(k) Enhance: Existing Plan Takeover RJP 401(k) Targeted ProgamsRJP 401(k) CreateRJP 401(k) EnhanceRJP 401(k) Fix Benefit Solutions for Business 401(k) Enhance Program RJP 401(k)Enhance program plans are designed specifically for businesses and organizations with an existing underperforming or otherwise troublesome retirement plan. Programs are fully customizable to meet the specific needs of organizations, owners and employees. Program Focus: Businesses with underperforming or less-than-optimally managed retirement benefits programs Program Features: Expert guidance in transforming underperforming plans into retirement savings vehicles designed for long-term future success. • Analysis and evaluation of existing plan structure to determine trouble spots and areas for improvement • Identification of plan components requiring modification and/or restructuring• Plan evolution or replacement in order to maximize positive impact for both owners and employees Program Benefits: Transforming underperforming retirement plans into well-structured, healthy retirement savings vehicles deliver powerful long-term benefits to organizations: • Increased employee morale and productivity• Avoidance of legal penalties and mitigation of potential fiduciary liability • Time savings through efficient plan monitoring and administration We offer the following business solutions: 401K Plan Safe Harbor 401K Cash Balance Deferred Compensation (tax savings) Defined Benefits ESOP Investment management Financial consulting for retirement accumulation Profit Sharing Retirement distribution Risk planning Savings Goal Planning Tax strategies What-if Scenarios Corporate retirement design providers and partners: We can help you choose the best current options on the market. Contact us today to get started  Tel. 619.331.4133 Contact Us We can help you choose the best current options on the market. Contact us today to get started  Tel. 619.331.4133 Contact Us Financial Planning Tools Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth. LEARN MORE  Fiduciary Services Fiduciary Services Delivering expert service that is always in our clients’ (and their employees’) best interests. LEARN MORE  Financial Planning Tools Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth. LEARN MORE  Fiduciary Services Fiduciary Services Delivering expert service that is always in our clients’ (and their employees’) best interests. LEARN MORE  --- ## RJP 401(k) Create URL: https://rjpattersongroup.com/services-for-businesses/401k-programs-for-businesses/rjp-401k-create/ RJP 401(k) Create: New Plan Development RJP 401(k) Targeted ProgamsRJP 401(k) CreateRJP 401(k) EnhanceRJP 401(k) Fix Benefit Solutions for Business 401(k) Create Program RJP 401(k) Create program plans are designed specifically for businesses and organizations who do not have an existing retirement plan. Programs are fully customizable to best meet the specific needs of organizations, owners and employees. Program Focus: New and existing businesses without a formal defined retirement benefits program Program Features: 401(k) plans are important long-term savings vehicles employers can establish for the benefit of their employees. Properly designed and managed plans help employers reap the economic rewards of a motivated and productive workforce • Seamless integration with existing accounting and employee compensation systems• Easy to manage metrics to record, track and monitor plan performance and success• Compliance with all plan related IRS and Department of Labor (ERISA) rules and regulations Program Benefits: Employees who are able to save a meaningful amount through employer-sponsored retirement plans display a number of positive benefits for employers and their businesses: • Increased loyalty• Improved productivity• Reduced turnover and absenteeism We offer the following business solutions: 401K Plan Safe Harbor 401K Cash Balance Deferred Compensation (tax savings) Defined Benefits ESOP Investment management Financial consulting for retirement accumulation Profit Sharing Retirement distribution Risk planning Savings Goal Planning Tax strategies What-if Scenarios Corporate retirement design providers and partners: We can help you choose the best current options on the market. Contact us today to get started  Tel. 619.331.4133 Contact Us We can help you choose the best current options on the market. Contact us today to get started  Tel. 619.331.4133 Contact Us Financial Planning Tools Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth. LEARN MORE  Fiduciary Services Fiduciary Services Delivering expert service that is always in our clients’ (and their employees’) best interests. LEARN MORE  Financial Planning Tools Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth. LEARN MORE  Fiduciary Services Fiduciary Services Delivering expert service that is always in our clients’ (and their employees’) best interests. LEARN MORE  --- ## 401K Programs for Businesses URL: https://rjpattersongroup.com/services-for-businesses/401k-programs-for-businesses/ 401(k) Programs for Businesses Benefit Solutions for Business 401(k) Program: Overview Creating Retirement Plans for Maximum Positive Impact Regardless of industry or economic sector, as a business owner you need to create a positive and stable future for you and your employees. We help businesses design the best corporate retirement plan for both owners and employees. As a Certified Retirement Planning Specialist, founder RJ Patterson provides proven personalized leadership in corporate retirement design services that drive long-term success while making a lifelong positive impact. RJ Patterson Group offers targeted program types designed to meet the specific needs of organizations based on the current status of their retirement plan: RJP 401(k) Create Plan design for organizations that do not have an existing retirement plan. RJP 401(k) Enhance Plan takeover and modification for organizations with existing underperforming retirement plans. RJP 401(k) Fix Plan review and restructuring for organizations with a retirement plan not currently in regulatory compliance with IRS and DOJ (ERISA) rules. We offer the following business solutions: 401K Plan Safe Harbor 401K Cash Balance Deferred Compensation (tax savings) Defined Benefits ESOP Investment management Financial consulting for retirement accumulation Profit Sharing Retirement distribution Risk planning Savings Goal Planning Tax strategies What-if Scenarios Corporate retirement design providers and partners: We can help you choose the best current options on the market. Contact us today to get started  Tel. 619.331.4133 Contact Us We can help you choose the best current options on the market. Contact us today to get started  Tel. 619.331.4133 Contact Us Financial Planning Tools Helping you to achieve peak fiscal fitness and position your financial assets for continuous growth.LEARN MORE  Benefits Solutions for Businesses Create a positive and stable future for employees with best-in-class defined retirement programs and integrated benefits solutions that deliver serious positive results.LEARN MORE  Fiduciary Services Delivering expert service that is always in our clients’ (and their employees’) best interests.LEARN MORE  --- ## A2P CTA URL: https://rjpattersongroup.com/?post_type=popup&p=8379 Now available The first signed, limited edition of the Ascent to Prosperity Field Guide! Be one of the first to blaze new trails with this field guide to personal prosperity, success and a life well-lived. Get Your Field Guide --- ## Default Theme URL: https://rjpattersongroup.com/?post_type=popup_theme&p=8370 --- ## Light Box URL: https://rjpattersongroup.com/?post_type=popup_theme&p=8371 --- ## Enterprise Blue URL: https://rjpattersongroup.com/?post_type=popup_theme&p=8372 --- ## Hello Box URL: https://rjpattersongroup.com/?post_type=popup_theme&p=8373 --- ## Cutting Edge URL: https://rjpattersongroup.com/?post_type=popup_theme&p=8374 --- ## Framed Border URL: https://rjpattersongroup.com/?post_type=popup_theme&p=8375 --- ## Floating Bar – Soft Blue URL: https://rjpattersongroup.com/?post_type=popup_theme&p=8376 --- ## Content Only – For use with page builders or block editor URL: https://rjpattersongroup.com/?post_type=popup_theme&p=8377 ---