(Annuities, Insurance, and Mortgage)

I have been a licensed CA mortgage broker in Southern California since 1981. I work with first time buyers, move up buyers, investors, as well as seniors who may be in need of a reverse mortgage.

In addition to the mortgage brokers license I also hold a CA Life and Health Insurance license. My goal is to educate my clients on how they can achieve a true TAX FREE retirement by using a safe, long term investment with no risk of principle loss what so ever. It’s time to retire your 401(k) and set up your own private reserve to fund your TAX FREE retirement. Call me and I will show you how.

Specialties: Conventional, FHA, VA, commercial loans, reverse mortgages, real estate investments, life insurance, and annuities.

In addition, I am uniquely qualified as an AIM professional to provide information in the following areas:Tax-Free Retirement Planning

• Social Security Planning
• Mortgage Protection
• College Planning

Pat joined the Chamberlin Group after a 12-year career at Scottrade.  There, he started out in their national call center, improving the clients understanding of the financial markets and the tools and resources available to them.  He then worked in a branch office in Dallas, Texas as an investment consultant.  He continued to focus on educating clients and providing them with the information they needed to make the best possible decisions about their finances.  After approximately 2 years in Texas, Pat was promoted to a role in Scottrade’s corporate headquarters in St. Louis where he trained, coached and managed branch associates. Pat is one of the first advisors in the State of Missouri to achieve the National Social Security Advisor Certificate setting him apart as a leader in Social Security & Income Planning.

Pat graduated from the University of Dayton with a degree in Finance.  He later returned to school at Webster University and achieved a Master’s in Business Administration (MBA).  Pat lives in South City with his wife Laura, son Owen, and daughter Molly

Phimar Patterson, CFP®, is the founder of Blue Clover Financial, LLC. He holds both a finance graduate degree and an undergraduate degree in accounting from Krannert (Purdue University). He has over 20 years in corporate America working for MassMutual and Metlife, in various financial planning functions and within Fortune 100 companies, including AT&T, Coca-Cola Enterprises and Hewlett-Packard.

In 2013, Phimar decided to leverage his corporate financial planning experience and passion for different types of financial vehicles to the financial services arena to assist families and small businesses in meeting their financial goals.

Blue Clover Financial, LLC is a boutique wealth management firm that focuses on small to medium sized businesses and families. We specialize in financial plans and implementation of customized investment solutions that utilize an array of investment options.

Phimar and his wife of 18 years have two children and love spending time with family. In his free time, Phimar is an avid soccer player and coach. He also enjoys scuba diving and holds a Dive Master certificate. Phimar believes there is nothing as peaceful as laying on the bottom of the ocean looking up and watching the world swim by.

We have been working with individuals and businesses in the area for several years.

Each of our agents has extensive personal and professional experience.

Many hold various professional designations, and qualified representatives are licensed to sell a variety of investment and insurance products.

We are dedicated to developing lasting relationships with all our clients. We believe in helping you assess your financial goals and participate in the management of your finances. One of the benefits of working with us is our ability to provide clear, easily understood explanations of financial products and services. The personalized program that we can provide is a roadmap to working toward a more secure financial future.

We’re looking forward to using our expertise to help you pursue your financial goals

30 year business veteran , specializing in Life & Annuity Financial Services Products 

William B. (Bill) Eager, Certified Financial Fiduciary(R), of Eager Financial, and Eager Health Life & Annuities, LLC.

Born and raised in Boston, Educated at local colleges including Massasoit, Bentley, Northeastern and Suffolk Universities...topped with 6 years in the Army National Guard, Bill's first professional endeavor was in sales, management and consulting with IBM. 

After several years in the corporate world, Mr. Eager broke away to start his own business in Financial Services. 

Today after 20 years Bill lives and works in Connecticut, guiding his clients with personal, substantial financial strategies, geared to maintain their preferred way of life and to know peace of mind in retirement. 

Married over 40 years and loving it, Bill is amazed and engaged with his 4 kids and growing families. He enjoys mastering guitar (always a work in progress), CanAm road trips with his bride Terry, beach and travel vacations, evenings by the fire-pit, family gatherings and Molly... their third mischievious Yellow Lab. 

Monica Szakos Cramer is a Senior Financial Adviser and Partner with Asset Preservation Strategies, Inc. Monica specializes in financial planning and empowerment through education. Her expertise revolves around technical and fundamental investment analysis. This allows her to take the emotion out of investing and focus on managing through market volatility. Monica is actively involved with the Asset Preservation Strategies, Inc. Advisory Board and leads the firm’s Investment Policy Committee. She believes that an effective client-financial advisor relationship is a partnership and requires open and honest communication on both sides.

Monica holds a Bachelor of Business Administration degree with a Real Estate emphasis and a minor in Accountancy from the University of San Diego. She holds life insurance licenses as well as her Series 7 and 66 securities registrations through Arete Wealth Management, LLC and Axxcess Wealth Management, LLC. In this capacity, she specializes in investments, portfolio construction, real estate, and financial planning for retirees, women, and young investors. Monica has been with the team since 2011 and became a partner in 2018.

Monica is also a professionally trained presenter and conducts numerous seminars and workshops each year. She is passionate about helping her clients achieve freedom from worrying about money and investments. She strives to bring insight and clarity to complex concepts in a meaningful way. She also serves as an experienced resource for the media and receives media inquiries regularly.

She most enjoys that fact that each client situation is different and uniquely complex. Her goal is to help clients understand what their options are so that they can make the choices that are best for their financial future. Rather than focusing on a particular solution, Monica is invested in educating and guiding her clients. Monica takes pride in the fact that her clients say that she is able to explain financial concepts in a way that is simple, concise, and easy to understand. Her clients also really appreciate the detailed attention she gives to their portfolios and financial lives.

Meet Monica

Monica is originally from San Diego, California. She grew up in a family whose primary investments were in real estate. In college, she worked as a computer consultant where one of her clients was an active stock and options trader. He taught her about market cycles and how he made his investment decisions. He would ask her opinions on some of his trades and he was the first person to suggest that she consider a career as an investment advisor.

Monica’s first job in finance was at the age of 15 where she was taught that hard work, perseverance, and dedication pays off.

Monica still lives in San Diego with her husband Adam and their French Bulldog, Jack. In her free time, she likes to find homes that need TLC and make them beautiful again, collect and restore antiques, spend time with family, and travel to Hungary when she can. She also enjoys sports, fashion, and philanthropic endeavors.

DEVELOPED BY | crystalmarketingsolutions.com

FOR INTERNAL USE ONLY

Fun Facts

● Her family is originally from Hungary and she has a strong bond to Hungarian culture and traditions.

● She plans to obtain her General Contractor's license

● She has a soft spot for animals and supports animal welfare causes when she can

● Although no longer fluent in all, she has utilized 5 different languages over the years.

Education

B.A. in Business Administration, minor in Accounting, University of San Diego, 2007

Certifications

CA Resident Insurance Producer Certified Financial Planner– currently pursuing this designation.

Professional Alliances

Thomas S. Allen, Certified Financial Fiduciary, BS, MSFS

Undergraduate and graduate degrees in accounting in finance. Worked in finance services for over 30 years. 

Former CPA (Missouri & Texas) with heavy experience with tax, audit, and management counseling for both large and small businesses. Fellow of the National Tax Institute. Certificate in Blockchain and Digital Assets (sm). Member of Digital Assets Council of Financial Professioinals. 

As a Financial Specialist, my current multi-state practice is mainly limited to financial and retirement services for retirees and individuals nearing retirement. Utilize extensive tax and financial background to increase retirement income during retirement and reduce federal and state taxes. 

With his customer-focused approach, Retirement

Income Planner Theodore “Ted” Bytnar develops

fresh approaches and new solutions to help clients

overcome change and reach their financial goals.

“It’s all about knowing your client, establishing

goals, and building trust.”

Bytnar uses his 28 years of experience in the financial

industry and his past successes to help clients

evaluate the most effective solutions. “I’ve seen how

clients have utilized the services we’ve rendered,” he

says. “I use this experience to help new clients make

effective decisions.”

When meeting with individual and business clients,

Bytnar gathers information on their insurance and

financial product needs. Rather than offering a one-sizefits-

all product, he evaluates their goals and proposes

customized coverage options to protect their wealth.

“My creative way of approaching specific situations

allows me to help my clients problem solve,” Bytnar

says. “I have clients with unique situations who need

to be at a certain point in a certain time financially,

and it motivates me to help them reach their goals.”

Working with individuals approaching retirement

or already in retirement, Bytnar says his objectives

are to build a strong relationship and continually

communicate and revisit their investments to keep

their plan on track so clients can live the retirement

of their dreams.

Bytnar is licensed in Life and Health insurance,

Property and Casualty insurance, as well as in Real

Estate. He began his career in the financial industry in

1987 as an insurance wholesaler. While overseeing

more than 50 insurance agents, he became an expert

in the wide variety of products offered. He also

championed superior customer care and excellence

for both new and existing clients.

In his free time, Bytnar is an avid golfer and

mountain biker. He enjoys attending sporting events

with friends and family, staying active outdoors and

playing sports.