Patterson Partners

Overview

Jennifer Patterson founded Patterson Partners in 2006, drawing on more than 25 years of advisory work with multinational families. The firm operates from Pembroke, Bermuda, and its client base centers on US citizens abroad, Bermuda-based individuals with cross-border interests, and families relocating to or from the United States. The practice is built explicitly around the tax and planning complexity that accompanies global mobility, rather than around a single investment product or asset pool. Patterson Partners delivers three interconnected services: financial planning, US tax return preparation with foreign-reporting compliance, and customized investment management. Investment management is only available to clients who first complete a financial-planning engagement, a sequencing the firm justifies by the cash-flow, estate, and charitable implications of portfolio choices. The investment process is described as a rigorous, bespoke portfolio-construction effort, though the firm does not disclose a specific asset-class mix, fund structures, or named portfolio holdings. The geographic footprint is shaped by client location: US expatriates worldwide, Bermuda-based multinationals, and inbound US relocations define the practice's cross-border axis. No team-size or AUM figures are publicly disclosed. The firm's marketing centers on Jennifer Patterson's 2024 book *Financial Planning for Global Living: Go Beyond Cross-Border Tax and Legal Complexity to Location Independence, Financial Freedom and True Life Satisfaction*, which codifies the six-pillar framework she uses in client engagements. The book and the firm's website position Patterson Partners as a specialized fiduciary for Americans navigating Bermuda's international-business ecosystem and for families managing assets, citizenships, and tax obligations in multiple jurisdictions. Patterson Partners' structural differentiator is its mandatory planning-first gating of investment mandates. Most wealth managers allow an investment relationship to stand alone; here, a client cannot access the firm's portfolio management without first completing financial planning and, where relevant, tax-compliance work. That architecture makes the firm function less as a pure asset gatherer and more as a cross-border life-wealth integrator — a posture that limits total addressable market in exchange for deep alignment with a narrow, high-complexity demographic.