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Pat Clevenger - Ryewood Financial, Northwestern Mutual

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Hayden, ID
Pat Clevenger - Ryewood Financial, Northwestern Mutual

Business Succession – Key Person Benefits and Retention Strategies – Exit & Retirement Planning

James Noel and Pat Clevenger, co-founders of Ryewood Financial, have over 40 years of advisor experience with Northwestern Mutual. Our firm values working with business owners and entrepreneurs with a core focus of rewarding and retaining a highly skilled and competitive workforce. We specialize in 401(k) and non-qualified employer benefits that are uniquely designed to elevate executive and key-person compensation. Our 401(k) client’s range in size between $1M - $25M of plan assets. We believe human capital is the most important asset allowing a business to excel, grow, and drive success. Most businesses have a range of compensation across the ownership team, management, and the skilled labor demographic of their workforce. We believe the philosophy of aligning culture and compensation allows our successful clients to reinvest time and money to all levels of their organizational structure. The rules around compensation and tax can be complicated and difficult to navigate for many of our employer groups to understand and evaluate. We partner with our clients to develop a compensation philosophy that aligns with their cashflow and revenue projections for their business models. Most clients want to enhance employee compensation without giving away equity in their companies. We believe designing the appropriate compensation philosophy will reward the ownership team with higher net income and business valuations. Our firm specializes in business succession planning which ultimately creates liquidity for shareholders who want a timely exit or sale of their corporate stock or shares.

10/29/2026

The financial strategies I use are backed by nearly 170 years of strength and stability. I want to help you get on the right track, so reach out to me today.

10/27/2026

Economic data remains strong, but investors are weighing rising oil prices, sticky inflation, and the cost of the artificial intelligence (AI) buildout. Bonds rallied as yields fell, and many stocks outside the AI trade moved higher. Read Northwestern Mutual Wealth Management Company CIO Brent Schutte’s latest commentary and reach out to me to talk about how your plan is positioned. http://spr.ly/6189BH95Kv

10/22/2026

No matter which tier you find yourself in, I’m ready to meet you where you are and help you create a plan. So wipe your tiers, I got you.

10/20/2026

Higher borrowing costs are raising questions about the artificial intelligence spending boom. Read this week’s market commentary for a closer look at the risks to growth and why diversification remains important. http://spr.ly/6181BHrXrN

10/20/2026

Note to self, don’t let your money get in the way of next year’s new you. Reach out to me and we’ll make sure you’re set up to start the year off on the right financial foot.

10/15/2026

Want to find the right game plan for your finances (and still keep your nose)? I can help you build stability for your future and let go of what's not working. If that sounds nice, let’s chat.

10/15/2026

Markets have continued to climb, but leadership has become more concentrated as investors weigh persistent inflation, higher rates, and rising uncertainty. See Northwestern Mutual Wealth Management Chief Investment Officer Brent Schutte’s take on what the shift from broad growth to narrower market leadership could mean for investors. http://spr.ly/6187BH84uL

10/13/2026

Recent market moves showed how quickly sentiment around artificial intelligence can affect broader indexes. This week’s market commentary explains why diversification remains important, even as AI continues to shape market leadership. http://spr.ly/6184BH8iCj

10/07/2026

Here’s everything you need to know about your first appointment with me. It’s straightforward, simple, and easy. Let’s get started.

10/06/2026

Inflation remains sticky and consumers continue to spend. Here’s what the latest data may mean for investors and why a diversified plan can help navigate uncertainty. http://spr.ly/6185BGLQMz

Address

9493 N Government Way, Suite 201
Hayden, ID
99216

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 1pm

Website

http://ryewood.nm.com/

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