#274 - Retirement Planning & The Canoe and the Current with Patrick J. Negado ChFC®

Host Kevin Williams is joined by Patrick J. Nagado, ChFC, retirement income strategist and author of The Canoe and the Current. Patrick has worked in the financial services industry since 1997, beginning his career in life insurance and financial services before moving into investment management, wholesaling, and leadership roles. Over the years, he built experience across RIAs, insurance carriers, and management positions before returning to personal financial planning—where he now specializes in retirement income strategies.  Patrick is the author of The Canoe and the Current, a retirement metaphor designed to help clients understand how to build reliable lifetime income ("the canoe") and confidently navigate market participation ("the current"). His approach focuses on clarity, human-centered planning, and helping clients transition from fear and uncertainty to confidence and purpose.  Patrick Nagado & The Canoe and the Current Website: https://canoeandcurrent.com LinkedIn: Patrick Nagato Book: The Canoe and the Current (available on Amazon)