Retirement Planning Built Around What You've Worked For

A CFP® professional with 24 years of experience. Helping North Idaho families turn savings into dependable retirement income — without risking the principal they can't afford to lose.

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Why Clients Choose Kerfoot Financial Services

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24 Years of Experience

I've spent more than two decades helping people in North Idaho and the Pacific Northwest navigate the shift from saving to living on what they've saved.

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CERTIFIED FINANCIAL PLANNER®

The CFP® designation is one of the most rigorous credentials in the financial planning profession. I've met the education, examination, and ethics standards that the industry holds as its highest bar.

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Independent Advisor

I'm not a call center. When you have a question, you talk to me. When your plan needs adjusting, I'm the one who reviews it.

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I love working with individuals, families and small business owners to help them achieve Financial Freedom. My clients appreciate this high level of care. I am amazed how clients invite me into their lives …  to welcome the arrival of a newborn, to observe one of life’s milestones, to call on me in a time of sickness or need, or to mourn the passing of a loved one. It is at these times that I understand the significance and importance of the work I do and the bonds I form with clients.

Your Advisor

Hi, I'm Pat Kerfoot.

Our Services

A Retirement Plan That Covers More Than Your Portfolio

Most people approaching retirement have the same core concerns: Will my money last? When should I take Social Security? What happens if I need long-term care? I build plans that address all of it together — not as separate conversations, but as one coordinated strategy.

Retirement Planning

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A clear picture of where you stand today and a structured path to the retirement you've been building toward.

Retirement Income Planning

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Strategies designed to generate dependable monthly income from your savings — so you're not guessing what you can spend.

Social Security Maximization

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The timing of your Social Security claim can mean tens of thousands of dollars over your lifetime. I help you make that decision with clarity.

Roth Conversion Planning

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Converting the right amount at the right time can reduce your lifetime tax burden significantly. I model the scenarios so you can see the difference.

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Long-Term Care Strategies

Care costs are one of the largest unplanned expenses in retirement. I help you think through the options before you need them.

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Annuities

Fixed and fixed indexed annuities can play a meaningful role in a safe-money retirement strategy. I explain how they work and where they fit.

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Wealth Management

For clients with more complex financial pictures, I offer ongoing wealth management built around your full financial situation.

Frequently Asked Questions About Retirement Planning in North Idaho

Have another question? Contact Pat Kerfoot to start a conversation.

  • What makes an independent retirement advisor different from a bank or brokerage?

    An independent advisor isn't tied to a proprietary product shelf or a sales quota. I work with a wide range of tools and strategies, and I recommend what fits your situation — not what a firm needs me to sell. You also work with me directly, not a rotating team of associates.

  • What does safe-money retirement planning involve?

    Safe-money planning focuses on protecting your principal while building dependable income. It typically involves a combination of fixed or fixed indexed annuities, Social Security timing strategies, and Roth conversion planning — structured so your income doesn't depend entirely on market performance.

  • Do I need to live in Post Falls or Coeur d'Alene to work with you?

    No. I serve clients across North Idaho, Spokane and Spokane Valley, Las Vegas, and the broader Pacific Northwest. I'm licensed in multiple states across the US, and many client conversations happen by phone or video.

  • When should I start retirement planning?

    The most productive planning typically happens in the five to ten years before you retire — when there's still time to adjust your savings strategy, model Social Security timing, and structure your income plan before you need to draw on it. That said, it's rarely too late to improve a plan that's already in motion.