Pat is an independent contractor to Abacus. She opened her firm, Focused Finances, in 1993, to help individuals, couples, and small business owners with their financial planning and investment needs. Using the tools of financial planning, she helps clients gain "financial confidence" by seeing how money is here to support and serve them. Pat's advice and insight have been featured in the San Francisco Chronicle, the Oakland Tribune, and www.money.com, among others.

Pat's client base reflects the ethnic and economic diversity of the Bay Area, with client ages ranging from 21 to 87. In addition to designing individualized financial plans and managing portfolios, Pat leads unique classes in behavioral finance for her clients and others. She teaches participants how to avoid falling into mental traps that lead to financial loss.

Pat is a member of the National Association of Personal Financial Advisors (NAPFA), which is the governing association for fee-only financial planners, as well as the Financial Planning Association. A Certified Financial Planner practitioner, Pat earned her MBA in Finance from California State University, Hayward.