Kerfoot Financial Services

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.

Did you know that the age at which you claim Social Security can affect your monthly benefit amount? For example, claimi...
09/09/2026

Did you know that the age at which you claim Social Security can affect your monthly benefit amount?

For example, claiming benefits at age 62 may result in a lower monthly payment than waiting until your full retirement age. Delaying beyond full retirement age may increase benefits even further for some individuals.

The best claiming strategy depends on several factors, including your retirement goals, health considerations, income needs, and other financial resources.

If you are approaching retirement, now is a great time to review your options. Visit www.patkerfoot.com or call (702) 684-7598 to schedule a consultation. We'd be happy to review your options.

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, r...
09/07/2026

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, restful break.

Please note that our office will be closed on Monday, September 7th, in observance of the holiday, and will reopen on Tuesday, September 8th.

When evaluating fixed annuities, one term you may hear is "guaranteed interest period." In general, a fixed annuity offe...
08/26/2026

When evaluating fixed annuities, one term you may hear is "guaranteed interest period."

In general, a fixed annuity offers an interest rate guaranteed for a specified period of time, subject to the terms and claims-paying ability of the issuing insurance company.

For many conservative savers, understanding how these guarantee periods work can be an important part of retirement planning.

As with any financial product, it is important to review features, limitations, and liquidity provisions before making a decision.

Have questions about current fixed annuity options? Visit www.patkerfoot.com or call (702) 684-7598 to schedule a consultation. We'd be happy to help.

A fixed annuity is not the right solution for everyone, but it may be worth exploring for individuals who value predicta...
08/19/2026

A fixed annuity is not the right solution for everyone, but it may be worth exploring for individuals who value predictability in their retirement strategy.

For example, some retirees and pre-retirees use fixed annuities when they want:
▪️Principal protection from market fluctuations
▪️Predictable interest accumulation
▪️A potential source of future retirement income
▪️Tax-deferred growth opportunities

The key is determining how a fixed annuity fits within your overall financial plan.

If you would like to discuss whether a fixed annuity aligns with your retirement goals, visit www.patkerfoot.com or call (702) 684-7598 to schedule a consultation.

When looking for a conservative place to keep your savings, many people immediately think of CDs. But have you explored ...
08/12/2026

When looking for a conservative place to keep your savings, many people immediately think of CDs. But have you explored how fixed annuities compare?

Both CDs and fixed annuities are designed to help protect principal while earning interest, but there are some important differences involving:
▪️Interest crediting methods
▪️Tax treatment
▪️Liquidity provisions
▪️Retirement income planning opportunities

Understanding these differences can help you make more informed decisions about your savings and retirement strategy.

To explore which option may align with your goals, visit www.patkerfoot.com or call (702) 684-7598 to schedule a consultation.

Markets can be unpredictable in the short term, but long-term investing has consistently proven to be one of the most ef...
08/04/2026

Markets can be unpredictable in the short term, but long-term investing has consistently proven to be one of the most effective ways to build wealth. If recent market volatility has you questioning your strategy, you are not alone. Swipe through for a few important reminders about why staying invested matters.

If you have questions about your current investment strategy or want to ensure you’re aligned with your long-term goals, call us today. We’re here to help you stay focused on what matters most.

One of the most common questions I hear is: "Will a Roth conversion increase my taxes today?" The answer is: potentially...
07/22/2026

One of the most common questions I hear is: "Will a Roth conversion increase my taxes today?"

The answer is: potentially, yes.

Because the amount converted is generally added to your taxable income for the year, understanding the tax impact is an important part of the decision-making process.

However, many people consider Roth conversions because they may provide benefits later in retirement, including greater flexibility when creating retirement income strategies.

The right approach depends on your goals, income, and overall financial picture.

Have questions about Roth conversions? Visit www.patkerfoot.com or call (702) 684-7598 to schedule a consultation and discuss your options. We'd be happy to help.

Not sure how a Roth conversion works? A Roth conversion is the process of moving money from a traditional IRA or other e...
07/16/2026

Not sure how a Roth conversion works?

A Roth conversion is the process of moving money from a traditional IRA or other eligible retirement account into a Roth IRA. While the converted amount is generally taxable in the year of the conversion, qualified withdrawals from a Roth IRA can be tax-free in retirement.

For many pre-retirees and retirees, Roth conversions become part of a broader strategy focused on retirement income planning, tax efficiency, and long-term financial flexibility.

The key question is not whether a Roth conversion is right for everyone; it is whether it makes sense for your unique situation.

If you would like to learn more about how a Roth conversion works and whether it deserves a closer look, visit www.patkerfoot.com or call (702) 684-7598 to schedule a consultation.

Why do many retirees review Roth conversion opportunities in the second half of the year? By mid-year, it is often easie...
07/15/2026

Why do many retirees review Roth conversion opportunities in the second half of the year?

By mid-year, it is often easier to estimate annual income and evaluate potential tax implications before year-end. This can create an opportunity to review important retirement planning questions, including:
▪️Future required minimum distributions (RMDs)
▪️Current and future tax brackets
▪️Retirement income needs
▪️Legacy planning goals

Every situation is different, but timing can play an important role when evaluating a Roth conversion strategy.

If you are approaching retirement or are already retired, now may be a good time for a review. Visit www.patkerfoot.com or call (702) 684-7598 to schedule a consultation.

06/27/2026

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1869 East Seltice Way #128
Post Falls, ID
83854

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