Pat Clevenger - Ryewood Financial, Northwestern Mutual

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-p

erson 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.

09/09/2026

Helping people succeed during times of uncertainty is what I do best. All it takes is a deep breath and the right financial plan.

The blueprint is simple, just follow the steps and get the financial confidence you deserve.
09/03/2026

The blueprint is simple, just follow the steps and get the financial confidence you deserve.

Markets have been supported by resilient growth and enthusiasm around artificial intelligence, but the policy backdrop m...
09/01/2026

Markets have been supported by resilient growth and enthusiasm around artificial intelligence, but the policy backdrop may be changing. Northwestern Mutual Wealth Management Company Chief Investment Officer Brent Schutte explains why sticky inflation, higher debt costs and uncertainty around where AI-related gains ultimately land make diversification especially important. http://spr.ly/6189B1fvAH

08/26/2026

Looking for peace, calm, clarity and more? It all comes with the right financial plan, and I can help you get started.

The economy remains resilient, but rising interest rates and pressure on consumers could create challenges for markets. ...
08/25/2026

The economy remains resilient, but rising interest rates and pressure on consumers could create challenges for markets. Here’s why diversification remains important in today’s environment. http://spr.ly/6182B1srEj

Markets are still near record highs, but the economy remains uneven. Our latest commentary looks at recent inflation, co...
08/19/2026

Markets are still near record highs, but the economy remains uneven. Our latest commentary looks at recent inflation, consumer, and small business data—and why diversification continues to matter for long-term investors.

Markets are broadening beyond tech. See why diversification still matters.

08/19/2026

All these improvements and more could be yours—it all starts with a conversation. Reach out and let’s talk.

Trying to check off your bucket list? Let’s create a plan that helps you reach your short and long-term goals so you wil...
08/13/2026

Trying to check off your bucket list? Let’s create a plan that helps you reach your short and long-term goals so you will have the peace of mind to book your dream trip. Let’s chat and prepare for what’s next.

08/11/2026

When life feels like a lot, listen to your inner voice. Especially if it’s telling you to reach out to me so we can get started on your financial plan.

Stocks moved higher as stronger economic data and corporate earnings helped offset concerns about a softer labor market....
08/11/2026

Stocks moved higher as stronger economic data and corporate earnings helped offset concerns about a softer labor market. See what this week’s market moves could mean for your financial plan. http://spr.ly/6182B1KPk0

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9493 N Government Way, Suite 201
Hayden, ID
99216

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

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