Kerfoot Financial Services

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Kerfoot Financial Services Pat is a Financial Adviser in Las Vegas, Nevada. His professional designations are CLU, ChFC, CFP.

Pat is dedicated to developing lasting relationships with his clients. One of the benefits of working with Pat is his ability to provide clear, easily understood explanations of financial products and services. His personalized program employs a detailed strategy to help you achieve a secure financial future.

A new type of investment account for children, known as a Trump Account (also referred to as a 530A account), officially...
10/05/2026

A new type of investment account for children, known as a Trump Account (also referred to as a 530A account), officially launched in July. Swipe through for answers to a few key questions and facts.

If you have questions about long-term investing, saving for your children's future, or how different investment strategies fit into your overall financial plan, please don't hesitate to reach out. We are happy to help.

A comprehensive financial plan for HNW (HNW) individuals should reflect both your personal values and long-term intentio...
10/01/2026

A comprehensive financial plan for HNW (HNW) individuals should reflect both your personal values and long-term intentions. Some important areas to evaluate include charitable and legacy goals, as well as estate and wealth-transfer plans. Swipe to learn more.

Keeping these elements up to date can provide clarity and confidence in your overall plan. Call us to discuss your goals.

With fewer than 100 days remaining in 2026, this is a valuable time to review the financial decisions that may affect yo...
09/24/2026

With fewer than 100 days remaining in 2026, this is a valuable time to review the financial decisions that may affect your retirement plan.

A year-end conversation can help you evaluate retirement income needs, Roth conversion opportunities, Social Security timing, and whether your current savings and insurance strategies still align with your goals.

I provide personalized retirement planning and wealth management guidance for pre-retirees and retirees in Rathdrum, throughout the Pacific Northwest, and nationwide.

If you would like to review your strategy before 2027, contact me to schedule a conversation.

A life insurance beneficiary designation is an important part of making sure your policy proceeds are distributed accord...
09/24/2026

A life insurance beneficiary designation is an important part of making sure your policy proceeds are distributed according to your wishes.

Major life changes—such as marriage, divorce, the birth of a child, or the loss of a loved one—can make an older designation no longer reflect your current plans. It is also wise to confirm that your primary and contingent beneficiaries are clearly named.

As part of a thoughtful retirement and estate strategy, I encourage clients to review their insurance policies periodically. If you would like to discuss your current coverage or beneficiary designations, I am here to help.

Retirement readiness is about more than choosing a date on the calendar. It is about knowing whether your income, saving...
09/23/2026

Retirement readiness is about more than choosing a date on the calendar. It is about knowing whether your income, savings, healthcare planning, and long-term goals are positioned to support the life you want.

For many pre-retirees, key questions include:
• Will my retirement income cover essential expenses?
• When should I claim Social Security?
• How can I protect a portion of my savings from market volatility?
• Does a Roth conversion strategy make sense for my tax situation?

A personalized retirement plan can bring clarity to these decisions and help you move forward with greater confidence. I work directly with clients to build retirement income strategies designed around their priorities.

If retirement is on your horizon, I would be glad to help you assess your next steps. Reach out to Kerfoot Financial Services to start the conversation.

One common retirement planning mistake is claiming Social Security benefits without first understanding how the decision...
09/23/2026

One common retirement planning mistake is claiming Social Security benefits without first understanding how the decision fits into your overall income strategy.

While it may be tempting to focus only on receiving benefits sooner, factors such as longevity, spousal benefits, taxes, and other retirement income sources can influence the outcome.

A little planning today can help you make more informed decisions about tomorrow.

If you are nearing retirement and have questions about your Social Security claiming options, visit www.patkerfoot.com or call (702) 684-7598 to schedule a consultation.

September is National Preparedness Month—a timely reminder that preparation is not limited to emergency kits and storm p...
09/22/2026

September is National Preparedness Month—a timely reminder that preparation is not limited to emergency kits and storm plans.

A thoughtful retirement plan can help you prepare for life’s financial surprises, including market volatility, rising expenses, changing income needs, and the unexpected.

I work with pre-retirees and retirees to build personalized retirement income strategies designed around their goals, comfort with risk, and long-term security.

If you would like to review your current retirement plan or discuss ways to prepare for the unexpected, I am here to help.

Life insurance needs can change as life changes.Your age can influence the type of coverage that may fit your goals, the...
09/22/2026

Life insurance needs can change as life changes.

Your age can influence the type of coverage that may fit your goals, the length of coverage to consider, and the cost of a policy. Whether you are protecting a growing family, preparing for retirement, or reviewing an existing policy, it helps to understand your options.

I work one-on-one with clients to discuss how life insurance can complement a broader retirement and financial plan. If you would like to review your current coverage or explore whether additional protection makes sense, I am here to help.

What questions do you have about life insurance?

Market volatility can be unsettling, especially when retirement is approaching or already underway. But it can also crea...
09/18/2026

Market volatility can be unsettling, especially when retirement is approaching or already underway. But it can also create an opportunity to revisit the details of your financial plan.

Depending on your situation, a market downturn may be a time to review Roth conversion opportunities, assess your retirement income strategy, or make sure your investments and insurance solutions still reflect your comfort with risk.

The right approach is personal. I work directly with clients to help connect wealth management decisions with the retirement security they want.

If recent market movement has raised questions, I am here to help you talk through your options.

September is Life Insurance Awareness Month, and there is no better time to take a closer look at what you know and what...
09/17/2026

September is Life Insurance Awareness Month, and there is no better time to take a closer look at what you know and what you might want to revisit when it comes to life insurance.

Swipe through this month's quiz to test your knowledge and pick up a few facts along the way!

If you have questions about life insurance or want to talk through your coverage options, do not hesitate to reach out. We are here to help.

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1869 East Seltice Way #128
Post Falls, ID
83854

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