Mandwel Patterson
Invictus Capital Management

Financial Services

Running a successful business requires more than day-to-day operationsit demands strategic financial planning to ensure long-term growth, stability, and profitability. As an independent financial advisor, I provide personalized financial planning services to help business owners make informed decisions and build lasting value. Whether you're launching a startup, managing a growing company, or preparing for succession, I work closely with you to develop a comprehensive plan that aligns with your goals and supports every stage of your business journey. My services include cash flow analysis, tax strategy coordination, retirement plan selection (like SEP and SIMPLE IRAs or 401(k)s), risk management, employee benefits planning, and business continuity strategies. I also assist with owner compensation planning and exit or succession planning to help you transition smoothly when the time comes. As an independent advisor, my guidance is unbiased and fully aligned with your best interestsnot driven by product sales or corporate agendas. You receive clear, actionable advice designed to strengthen your business and support your personal financial goals. With a solid financial plan in place, you can focus on what you do bestrunning your businesswhile gaining peace of mind knowing your financial future is well-structured and secure.

Personal financial success doesnt happen by accidentit takes clarity, strategy, and consistent action. As an independent financial advisor, I provide tailored financial planning services for individuals who want to take control of their finances and build a more secure future. Whether you're just starting your career, navigating a life transition, or planning for long-term goals like buying a home or retiring comfortably, Ill work with you to develop a plan that fits your unique needs, values, and aspirations. My comprehensive approach covers all areas of your financial life, including budgeting, savings, debt management, investing, insurance, tax considerations, and retirement planning. Well define your goals, assess your current financial position, and create a practical, step-by-step roadmap to help you get where you want to go. Because Im an independent advisor, my recommendations are always unbiased and in your best interest. I dont sell financial productsI provide honest advice, clear guidance, and ongoing support to help you stay on track. With a personalized financial plan, youll gain confidence, reduce stress, and make smarter decisions about your moneynow and in the future.

Navigating your financial life can feel overwhelmingbut you dont have to do it alone. As an independent financial advisor, I provide objective, personalized financial advice and consulting to help you make confident, informed decisions at every stage of life. Whether you're facing a major life transition, evaluating investment opportunities, or simply seeking a second opinion, my role is to guide you with clarity and care. I offer consulting on a wide range of topics including budgeting, debt management, retirement planning, tax strategies, insurance analysis, estate planning, and more. My process begins with understanding your unique goals, concerns, and financial circumstances. From there, I deliver actionable recommendations tailored to your needsfree from sales pressure or product commissions. You get independent advice, grounded in experience and focused entirely on whats best for you. You may choose one-time consultations or ongoing financial guidance, depending on your preferences. Either way, my mission is to empower you with the insights, tools, and strategies to move forward with confidence. No matter where you are on your financial journey, Im here to provide honest answers, clear strategies, and a trusted perspective to help you reach your goals.

As an independent financial advisor, I offer personalized portfolio management services designed to align with your financial goals, risk tolerance, and time horizon. Whether you're planning for retirement, building wealth, or preserving capital, I take a disciplined, strategic approach to managing your investments. My portfolio management service begins with a comprehensive understanding of your unique financial situation. I construct a diversified investment strategy tailored specifically to your needs, drawing from a broad range of asset classes including equities, fixed income, ETFs, and alternative investments. I actively monitor and rebalance your portfolio to adapt to market changes and life events, helping to minimize risk and optimize returns. Youll receive transparent reporting and ongoing communication, so you always know where your money stands and why decisions are made. Because I operate independently, my advice is unbiased and always in your best interestfree from the influence of proprietary products or sales quotas. My commitment is to protect and grow your wealth with integrity, objectivity, and care.

Planning for retirement is one of the most important financial decisions you'll ever makeand it's never too early or too late to start. As an independent financial advisor, I provide customized retirement planning services designed to help you build a secure and fulfilling future. I begin by understanding your lifestyle goals, income needs, current financial situation, and risk tolerance. From there, I develop a personalized retirement strategy that may include tax-efficient savings plans, employer-sponsored accounts (like 401(k)s), IRAs, investment portfolios, and income distribution strategies. Whether you're decades away from retirement or approaching the transition, Ill help you answer key questions: How much do I need to retire comfortably? When can I realistically retire? Whats the best way to draw income without running out of money? Youll benefit from ongoing guidance, regular plan reviews, and clear, unbiased advicefree from product sales or corporate quotas. As your advisor, I stay focused on helping you make smart, informed decisions at every stage, from accumulation to withdrawal and legacy planning. My goal is simple: to help you retire with confidence, on your own terms.

Changing jobs or retiring? One of the most important financial decisions you may face is what to do with your 401(k). As an independent financial advisor, I offer objective, personalized guidance to help you make the most of your retirement savings through smart 401(k) rollover strategies. Rolling over your 401(k) can offer more control, greater investment options, and potential cost savingsbut its not always the right choice for everyone. I work with you to evaluate your options, which may include rolling into an IRA, staying in your current plan, moving to a new employers plan, or cashing out (and understanding the tax consequences). Together, well assess the benefits and drawbacks of each path based on your financial goals, time horizon, tax situation, and income needs. If a rollover makes sense for you, Ill ensure a seamless, tax-efficient transfer of assetsavoiding penalties and unnecessary fees. As an independent advisor, I have no product quotas or affiliations, so my only priority is whats best for you. Youll receive clear, unbiased advice and ongoing support to keep your retirement strategy on track. Take the guesswork out of your 401(k) rollover. Lets make confident, informed decisions for your future.

Insurance isnt just about policiesits about protecting what matters most. As an independent financial advisor, I offer objective insurance planning services to help you safeguard your income, family, business, and long-term financial goals. The right insurance strategy can provide critical protection against lifes unexpected eventssuch as illness, injury, disability, or deathwhile helping you avoid financial setbacks. I work with you to assess your current coverage, identify potential gaps, and determine the right mix of protection based on your unique needs and life stage. Whether its life, disability, long-term care, or liability insurance, my goal is to ensure you have the right coverageno more, no less. I also help evaluate employer-provided benefits and how they fit into your overall financial picture. As an independent advisor, I dont sell insurance products or earn commissions. My recommendations are unbiased, transparent, and always in your best interest. Ill coordinate with your insurance providers or connect you with trusted professionals to implement the plan thats right for you. Insurance planning is a key part of a strong financial foundation. With the right strategy in place, you can move forward with greater confidenceknowing your finances and your future are protected.

Annuities can be a valuable tool for creating guaranteed income, protecting against longevity risk, and adding stability to your retirement plan. As an independent financial advisor, I provide objective, personalized guidance to help you understand ifand howan annuity fits into your overall financial strategy. Annuities come in many forms, including fixed, indexed, and variable options. Each type offers different features, benefits, and trade-offs. I take the time to evaluate your unique goals, income needs, and risk tolerance to determine whether an annuity aligns with your long-term financial plan. If appropriate, Ill help you choose the right structuresuch as lifetime income, deferred growth, or principal protectionand ensure it complements other retirement assets like Social Security, pensions, and investment accounts. Unlike product-driven salespeople, I offer truly independent advice. I do not push proprietary products or work on commission. My goal is to educate you on how annuities work, clarify fees and guarantees, and help you make informed, confident decisions. Whether you're nearing retirement or already drawing income, annuities can offer peace of mind and financial security when used correctly. Im here to ensure theyre used wiselyand only when they truly add value to your plan.

Planning your legacy is about more than just passing on wealthits about protecting your loved ones, preserving your values, and ensuring your wishes are carried out with clarity and care. As an independent financial advisor, I offer estate planning guidance and trust strategies designed to give you peace of mind and control over your financial future. Working in coordination with your attorney and tax professionals, I help you create a comprehensive estate plan that aligns with your goals, minimizes tax liability, and ensures a smooth transfer of assets. Whether you need to establish a will, set up trusts, or plan for incapacity, Ill guide you through the options in a clear and thoughtful way. My role is to help you understand how different toolssuch as revocable living trusts, irrevocable trusts, charitable trusts, beneficiary designations, and powers of attorneycan be used to protect your estate and support the people and causes you care about most. As an independent advisor, I offer objective, client-first guidancefree from product sales or conflicts of interest. Your plan is tailored to your specific needs, whether you're building generational wealth or ensuring a smooth transition for your heirs. Estate planning is a vital step in your financial journey. Lets build a legacy that reflects your values and gives your family lasting peace of mind.

Smart tax planning is essential to protecting your wealth and keeping more of what you earn. As an independent financial advisor, I provide personalized tax advice and strategies designed to reduce your tax burden and support your long-term financial goals. Whether youre a working professional, business owner, investor, or retiree, I help you understand how taxes impact your income, investments, and overall financial plan. My services include year-round tax-efficient strategies such as income deferral, asset location, capital gains planning, charitable giving, and retirement distribution planning. I also coordinate with your CPA or tax preparer to ensure your financial plan and tax strategy work hand in handhelping you avoid surprises and stay compliant with changing tax laws. If you dont currently have a tax professional, I can refer you to trusted partners. As an independent advisor, I do not sell tax products or earn commissions. My guidance is always objective, transparent, and focused solely on your best interests. Proactive tax planning isnt just for year-endits a year-round process. With the right strategy in place, you can minimize taxes, preserve more of your wealth, and make smarter financial decisions with confidence.

A quality education can open doors, but the rising cost of tuition can pose a significant financial challenge. As an independent financial advisor, I offer education funding and planning services designed to help families prepare for this important investmentwithout compromising other financial goals. Whether you're planning for a child's future or your own continued education, I work with you to develop a customized strategy that fits your timeline, budget, and overall financial plan. This includes evaluating and recommending tax-advantaged savings options such as 529 plans, Coverdell ESAs, custodial accounts, and other investment vehicles. Well also explore financial aid considerations, scholarships, and the impact of education funding on your broader financial picturefrom retirement planning to estate strategies. I provide clear, objective advice to help you make informed choices and stay on track as tuition deadlines approach. Because I operate independently, my guidance is free from product sales or institutional agendasfocused solely on whats best for you and your family. With the right education plan in place, you can give your loved ones the gift of opportunitywithout sacrificing your own financial security.

Investing is a key part of building and preserving wealthbut it requires more than just picking stocks or timing the market. As an independent financial advisor, I offer personalized investment advice and management designed to align your portfolio with your goals, risk tolerance, and financial timeline. Whether you're a first-time investor or managing a complex portfolio, I work with you to create a clear, strategic investment plan. This includes assessing your financial situation, setting realistic objectives, and building a diversified portfolio tailored to your unique needs. My approach is disciplined and long-term, grounded in research and risk awarenessnot short-term speculation. I utilize a broad range of investment options, including mutual funds, ETFs, stocks, bonds, and alternative assets, always selected to match your goals and preferences. As an independent advisor, I provide unbiased recommendations without product sales or commissions. Your interests come firstalways. I offer ongoing portfolio monitoring, performance reviews, and rebalancing to keep your investments aligned with both market conditions and your evolving life circumstances. With professional investment management, you can grow your wealth confidentlyknowing your portfolio is thoughtfully built and actively managed to support your financial future.

As an independent financial advisor, I offer comprehensive wealth management services designed to simplify your financial life and support long-term success. Whether you're growing your wealth, preserving it, or planning your legacy, my approach is personal, strategic, and entirely focused on your best interests. We begin with a deep understanding of your financial goals, values, and lifestyle. From there, I develop a tailored strategy that integrates investment management, retirement planning, tax efficiency, risk management, and estate planning into a cohesive, long-term plan. My wealth management service is designed for individuals and families seeking a holistic, coordinated approach. I provide proactive advice and continuous oversight to help you navigate lifes transitionssuch as career changes, business sales, inheritance, or retirementwhile keeping your goals at the center of every decision. As an independent advisor, I have the freedom to choose the best solutions for your unique needsfree from corporate agendas or product sales requirements. You receive transparent communication, ongoing performance reviews, and a trusted partner who puts your financial security first. True wealth isnt just about numbersits about clarity, confidence, and peace of mind. Im here to help you achieve all three

Protecting your wealth is just as important as growing it. As an independent financial advisor, I provide personalized risk management strategies designed to safeguard your financial future against lifes uncertainties. Risk comes in many formsmarket volatility, unexpected health issues, job loss, disability, liability, or premature death. My approach begins with a comprehensive review of your financial situation, goals, and exposures. Together, we identify potential risks and build a tailored plan to help minimize their impact while supporting your long-term objectives. I evaluate existing insurance coverage, assess investment risks, and recommend practical solutions to protect your income, assets, and loved ones. This may include life, disability, and long-term care insurance, as well as asset allocation strategies and emergency planning. Because Im an independent advisor, my recommendations are objective, transparent, and always in your best interest. I do not sell insurance productsI provide trusted advice to help you make informed decisions and avoid costly gaps in coverage. With a thoughtful, proactive risk management plan in place, you can face the future with greater confidence and peace of mind.

Effective money management is the foundation of financial security and long-term success. As an independent financial advisor, I provide personalized money management services to help you take control of your finances, make informed decisions, and build lasting wealth. Whether youre looking to reduce debt, improve cash flow, save for future goals, or simply gain better financial clarity, I work with you to create a practical, results-driven plan. This includes budgeting strategies, savings optimization, income planning, expense tracking, and guidance on managing financial priorities. Every plan is tailored to your unique lifestyle, values, and goalswhether youre just starting out, managing a growing family, or navigating major life changes. I also provide support in aligning your day-to-day money habits with your broader financial objectives, such as investing, retirement, or wealth preservation. As an independent advisor, my guidance is objective and entirely focused on your best interest. I dont sell products or earn commissionsmy role is to be your trusted financial partner, helping you make confident, well-informed choices. With the right money management strategy in place, you can reduce stress, gain control, and make real progress toward your financial goals.