Pat Clevenger, CLU^®

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Lessons From the World of Golf

For professional golfers to achieve a high ranking amongst their peers, it takes consistent performance in tournament after tournament. The same is true in business. So, how does Northwestern Mutual stack up on the industry leader board?

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See how Northwestern Mutual permanent life insurance offers protection along with cash value that is guaranteed to grow over time.

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Going Green

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New Interactive 2009 Annual Report

Northwestern Mutual’s financial strength and consistent performance help clients achieve financial security.

Our interactive report features clients talking about why they felt secure in an unstable economy.

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Ratings agencies affirm Northwestern Mutual’s top rating – again!

For the 19th consecutive year, all four major ratings agencies affirmed Northwestern Mutual’s best-possible insurance financial strength ratings. See what Fitch Ratings, A.M. Best, Moody’s Investors Service and Standard & Poor’s said about Northwestern Mutual’s consistent strength and stability.

Northwestern Mutual and Forbes launch the new Fact & Comment page

Forbes and Northwestern Mutual partner to launch a new page titled Fact & Comment on the Forbes.com Web site, offering expert insights from leaders in business and beyond.

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Themint.org – Financial Literacy for Kids

An interactive Web site designed to help parents raise "money smart" kids. Visit this award-winning site for fun activities, games, and challenges for students; tips for parents; and extensive resources for teachers. Sponsored by Northwestern Mutual.

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Many people look back on their lives with regret; not for the things they have done, but for the things they have left undone. They find they are more successful than they thought they would be and saved less than they intended. They find themselves in situations that are more complex and less predictable than they anticipated.

That is where I come in. I take the time to get to know you and your preferences. I can help you anticipate and prepare for the best—and worst scenarios. The relationship I establish with you enables me to focus on your needs—what you want for your family and what you are currently doing.

My Mission

My mission as a Northwestern Mutual Financial Network Representative is to help you identify and/or clarify your financial intentions, helping you align your actions to your intentions and do so within your own values. I feel strongly that it doesn't make any sense to accumulate money without first understanding when you might want to spend it. You can't take it with you when you die, so it is important to understand the liquidity concerns and design one's net worth based on this principle. I feel that any offensive strategy should be balanced with a defensive one and this is why risk management is important. We can work real hard to accumulate wealth, and if not protected, watch it erode very quickly and lose what we worked so hard to achieve.

I also feel my responsibility as part of my mission is to develop relationships based on respect and communication. In doing so, not only should you expect communication from my staff and I, but we should expect open communication from you. I have never seen a marriage work that only has one spouse communicating and it would be hard to expect us to successfully help you align your action to your intentions without communication and feedback from you.

Northwestern Mutual Financial Network

We provide you with access to a nationwide network of representatives, advisors and specialists—people who have invested their time and developed their talents to become experts and they have the knowledge that comes only from experience.

What’s paramount is to have a flexible approach with complementary solutions. We strive to call on the full capabilities of the Northwestern Mutual Financial Network, providing our clients with financial services that allow them to feel assured that their intentions have been understood and their needs are being addressed.