Patrick Negado, ChFC®

Evaluator
DISC Type : cds

Book Author at https://canoeandcurrent.com/

United States

Overview

Patrick is a retirement income and wealth transfer expert with over two decades of experience in financial services. An author and Chartered Financial Consultant®, he created "The Canoe and the Current" framework to simplify retirement planning, helping clients turn savings into reliable lifetime income through his work at Allstate and Canoe & Current Wealth Strategies℠.

Born in the Philippines, Patrick moved to the US at age ten and became fiercely independent from a young age. Now a husband and a self-described "alpha daddy" to his three dogs, he is passionate about helping people, particularly seniors, navigate their finances with confidence so they can enjoy their lives without financial worry.

Unique fact: As a child, Patrick was a model for a Dial soap poster along with his parents.

Personality Overview

Fast But Analytical

Quality Focused

Thorough Evaluator

They are not very likely to become strong advocates of your product or service  They focus on the results, but can still be quite procedural and analytical about how to get there They have a unique set of diverse traits where they are decisive and methodical but can sometimes be extra cautious and skeptical

Topics They Care About

Retirement Philosophy
Authored the book "The Canoe and The Current" to offer a new, simplified approach to creating secure, lifelong retirement income that balances safety and growth.
Serving Seniors
Frequently appears on podcasts and creates content specifically for the needs of retirees and pre-retirees (ages 55+), focusing on clarity and purpose in their later years.
Simplifying Finance
Passionate about demystifying the financial industry, he aims to replace confusing jargon and outdated rules with clear, actionable strategies that reduce anxiety for his clients.

Media Appearances

Patrick has no verified media appearances

Work History

7-2025
Book Author at https://canoeandcurrent.com/
7-2017
Personal Financial Representative at Allstate Financial Services, LLC
2-2017 - 6-2017
Sales Manager at Penn Mutual
1-2014 - 10-2015
Registered Representative/Senior Marketing Director at Transamerica Financial Advisors, Inc.
7-2013 - 1-2014
Regional Sales Director at Transamerica

Education

2010 - 2011
Certified Estate & Trust Specialist (CES) Designee from Institute of Business and Finance

More Information

Social Presence :

Prographics :

Exp : 10 Location : United States Job Level : Junior Designation : Book Author at https://canoeandcurrent.com/
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Insights For Selling To Patrick

During A Call Or A Meeting

DO's

  • Showcase your competitive superiority clearly when possible or address it at the minimum
  • Be prepared for comments or questions that are critical of your product or your claims
  • Use phrases like ‘the ROI of this’, ‘X% more’ etc.

DONT's

  • Avoid too much small talk, just a few formal pleasantries should be fine
  • Don’t nudge them to do something by using the logic that others have done the same
  • Avoid making strong statements, instead invite them to agree with you by asking them questions

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Patrick is

  • ROI matters the most to them, followed by process and finally proof of results
  • Will you ever get a clear answer from Patrick

  • They might hesitate a little, but will go ahead and say no when necessary (or asked)

Insights For Deal Planning

    How fast (or slow) will Patrick move?

  • They are unlikely to move very fast, especially when it comes to new products or services
  • Can Patrick take some risk or not?

  • They have relatively low risk-appetite and are not very likely to go for something unproven and risky

You And Patrick

Personality Compatibility


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