Patricia Kummer, CFP®

Managing Director
Denver, Colorado

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 Wealth Advisors, she was the founder of Kummer Financial Services (KFS). Mariner Wealth Advisors 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 for eight years including as president and chairman. She enjoys mentoring new advisors.


Pat was ranked #5 in Colorado (#128 overall) on Forbes’ 2021 Top Women Wealth Advisors list. Pat has been ranked as a Five Star Professional in 5280 Magazine and ColoradoBIZ magazine from 2012-2021. In 2010-2019, she was ranked as Top Wealth Advisor for Littleton. She currently writes a finance column in the Highlands Ranch Herald and Lone Tree papers.

Personal Interests

She spends her free time with her children and grandchildren, skiing, biking, hiking and boating. She and her husband are strong supporters of clean water projects in third–world countries, avid supporters of the Alzheimer’s Association. They donate 100 new warm 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

The Forbes ranking of America’s Top Women Wealth Advisors, developed by SHOOK Research, 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 criteria due to varying client objectives and lack of audited data.

The Five Star Wealth Manager award is given by Five Star Professional. To receive the award, a wealth manager must satisfy 10 objective eligibility and evaluation criteria, including registration as an investment advisory representative, employment as a credentialed professional in the financial services industry for a minimum of five years, favorable regulatory and compliant history, firm review based on internal firm standards and accepting new clients. The award is not indicative of the wealth manager’s future performance. Wealth managers do not pay a fee to be considered or placed in the final list of Five Star Wealth Managers. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional, 5280 Magazine. or ColoradoBIZ Magazine. To view the full disclosure and award criteria, visit:

For the Top Wealth Advisor ranking in Littleton, Colo., advisors are selected by WiserAdvisor through a prescreening process that includes financial advisors from large fortune 500 companies as well as small independent financial firms prior to adding them to WiserAdvisor’s matching network. Each financial firm or independent advisor must pass a stringent qualification process to be part of the nationwide network. All the financial advisors are registered with FINRA and/or SEC and hold clean records. Each advisor’s contact details, credentials, fee structure, biographies and firm details are provided in the financial advisor directory pages. 

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