Our PhilosophyPlanning with Purpose, Not Just Numbers
We are a purpose-driven planning firm serving clients who want more than just a portfolio—they want a plan that reflects how they actually intend to live.
We believe retirement planning works best when income, investments, and legacy decisions are coordinated within a clear framework. Our role is to simplify complexity, help clients understand trade-offs, and design strategies that evolve as life changes.
Whether you are approaching retirement or already retired, we meet you where you are and help you move forward with clarity and confidence.
Planning Before Products
We chart the course before choosing the vessel.
Income Before Accumulation
Income serves today so growth can serve tomorrow.
Values Before Tactics
Your values set the direction. Our tactics do the work.
Patrick J. Negado, ChFC®, RICP®Founder | Author | Speaker
Patrick J. Negado, ChFC®, RICP®, is the founder of Canoe & Current Wealth Strategies℠. With more than two decades of experience in financial planning and investment management, Patrick specializes in retirement income design, comprehensive wealth management, and multi-generational wealth transfer.
Patrick is also the author of The Canoe and The Current: Rethinking Retirement So You Can Stop Worrying and Start Living, a practical and values-based framework for aligning financial decisions with the life clients want to live. Using the metaphor of a canoe navigating life’s currents, his approach helps clients balance security and growth, structure and flexibility, and wealth and meaning—so their financial plans support both today’s lifestyle and tomorrow’s legacy.
Known for his clear, down-to-earth guidance, Patrick has a gift for making complex financial matters simple and actionable. Whether advising clients, writing, or speaking, his mission is consistent: to help people live with confidence today while preserving what matters most for the future—so their wealth becomes more than numbers on a page, but a lasting legacy of values, purpose, and peace of mind.