Patricia Jennerjohn


Focused Finances, LLC


Patricia Jennerjohn


Focused Finances, LLC


My objective is to help my clients achieve financial confidence through the financial planning process. - Patricia Jennerjohn, MBA, CFP®

Fee-Only financial planner located in Oakland, CA, serving clients locally and across the country

Patricia Jennerjohn is an Oakland, CA fee-only financial planner. Focused Finances, LLC provides comprehensive and objective financial planning and investment management to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Patricia Jennerjohn is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Patricia Jennerjohn launched Focused Finances, a sole proprietorship, in 1994. She transitioned to Focused Finances, LLC, in 2004. Her objective then and now is to help individuals and couples with their financial planning and investment needs. Pat’s advice and insight have been featured in the San Francisco Chronicle, the Oakland Tribune, the Huffington Post, and the Wall Street Journal, among others. 

Pat is a member of the National Association of Personal Financial Advisors (NAPFA), which is the professional association for fee-only financial planners. She is a Certified Financial Planner™ and holds an MBA in Finance from California State University, Hayward.

Pat is an avid musician, specializing in choral singing and an unusual Baroque instrument - the viola da gamba. She performs with the San Francisco Bay Area Chamber Choir, the California Bach Society, Schola SF, and any other group she can find time for. For Pat, music is an important touchstone; it’s one of the ways she keeps her life in balance.

Patricia Jennerjohn is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.


Most people believe that they must work hard for their money. However, the truth is that money is also here to work hard for you! Using the tools of financial planning, I help my clients learn that money is here to support and serve them - which leads to a feeling I like to call "financial confidence."

You’re smart, educated, aware, savvy. Sure, you could do your own financial plan, and maybe even manage your investments. BUT is this the best use of your smarts and your time? Do you think that, because you’re smart, you SHOULD do these things, even if you don’t find these tasks particularly interesting or fun? Or, a bit overwhelming?

You want it done well, but you don’t want to do it yourself. You appreciate the expertise that goes into doing things well, but don’t want to be the expert. You don’t have more money than you know what to do with, but you want to know what to do with what you have!

What do you really want to accomplish? That can be hard to figure out on your own – could it be more enlightening to explore your aspirations with a knowledgeable partner that will help you think creatively about those aspirations?

You realize that plain vanilla financial planning, or using online apps, will not do justice to the unique character of your particular situation. Perhaps you should consider walking that path together with a friendly expert.

Would you like to work with a partner who takes you seriously (yet, with a relaxed approach), collaborates with you (rather than issuing a predesigned set of recommendations), will work to understand what is really important to you, and helps keep you focused on REAL goals (making your plan work, not beating the market)?

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

Contact Patricia Jennerjohn

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Office Locations:

  • 1300 Clay Street
    Suite 600
    Oakland, CA 94612

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