Designations and Licenses

Pat is a CERTIFIED FINANCIAL PLANNER™ professional.  

Experience and Education

Pat strives to provide her clients with objective, unbiased insight in the areas of financial decision-making. She specializes in the planning process and only then helps clients select the appropriate investment vehicles to match their financial goals. She works with small-business owners, estates, families and anyone committed to improving their financial situation.

Prior to joining Mariner, Pat was the founder of Kummer Financial Services (KFS). Mariner acquired KFS in 2018.

Pat has a bachelor’s degree in business. She is active in the Financial Planning Association, having served on the board, including as president and chairman, for eight years. She enjoys mentoring new advisors.

Accolades

Pat was named to Forbes’ Top Women Wealth Advisors Best-in-State for Colorado, ranking #5 in 2025 and 2023 and #4 in 2022. She was named to Forbes’ Best-In-State Wealth Advisors in Colorado, ranking #6 in 2024, #17 in 2023 and #20 in 2022. In addition, she was ranked #5 in Colorado (#128 overall) on Forbes’ 2021 Top Women Wealth Advisors list.

Personal Interests

Pat writes a finance column for the Highlands Ranch (Colorado) Herald and Lone Tree (Colorado) newspapers. She spends her free time with her children and grandchildren and enjoys skiing, biking, hiking and boating. She and her husband are strong supporters both of clean water projects in developing countries and the Alzheimer’s Association. They donate 100 new winter coats to Coats for Colorado every year, totaling more than 1,500 coats so far. She is also a supporter of Domus Pacis and Compassion International.

Pat’s Office

Top Women Wealth Advisors Best-In-State: Advisors are selected for the Forbes rankings by SHOOK Research. Rankings for 2021 through 2025 were published in March 2021, February 2022, February 2023, February 2025 and were based on September 30th data, including 1- and 5-year periods. The ranking is based on an algorithm of qualitative and quantitative criteria, including in-person interviews; industry experience; compliance records; revenue produced; and assets under management. Advisors have a minimum of four years of experience, and the algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience, and those that encompass the highest standards of best practices.

Best-In-State Wealth Advisors are selected for the Forbes rankings by SHOOK Research. Rankings for 2022 through 2024 were published in April 2022, 2023, and 2024 and were based on June 30th data, including 1- and 5-year periods. The ranking is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors with a minimum of seven years of experience and weighing factors like revenue trends, assets under management, compliance records, industry experience, and best practices learned through telephone and in-person interviews.

Portfolio performance is not a criterion due to varying client objectives and a lack of audited data. The rankings are not indicative of future performance, and there is no guarantee of future success. For additional information, visit www.forbes.com.