When my position was eliminated I used Pat to roll over my 401K and pension to IRAs. I know nothing about financial planning, Pat was able to put my money in funds that pretty much tripled my money in 5 years.He gives great advice and will explain things to you in a way you understand. He is patient and I have never felt like he was trying to sell me anything. I have recommended him to friends.If you want a financial planner that is truly on your side, call Pat.