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Looking for a financial advisor in Oswego? Start with the three questions a list can't answer for you.
Dr. Pat Pachciarz® is a Private Wealth Advisor + Tax Strategist who works with Oswego, IL families and busy professionals building wealth. He is the Founder & CEO of The Pinnacle Group, a Certified Exit Planning Advisor (CEPA®) and a former J.P. Morgan Private Client Group advisor. He puts your debt, taxes, investments and trust into one plan, worked out with your CPA and your estate attorney, serving Oswego and Aurora, IL, and virtually in all 50 states.
Every plan is built on DAITT® (say “date”): Debt Optimization, Advanced Planning, Private Wealth Investments, Tax Strategy and Tax Filing, Trust Planning, always in that order.
It's not what you make. It's what you keep.
“Dr. Pat Pachciarz®” is a registered trademark, not a medical title.
A fiduciary is an advisor who must put your interests ahead of their own when they give you advice. Not every advisor is a fiduciary all the time. Some act as a fiduciary on one account and as a salesperson on another.
Ask this, and get the answer in writing: “Do you act as a fiduciary at all times, on every account and every recommendation you make to me?” Read more on what a fiduciary is.
Every advisor is paid somehow. In general, it is one or more of these:
Many advisors use a mix. “Fee-only” means the advisor is paid only by you, never by a product company. Whatever the model, ask: “How are you paid, by whom, and what will I pay in dollars this year?” Get it in writing. See how to choose a financial planner in Oswego or Aurora.
We explicitly show you our value, in writing, before you hire us. If we can't prove it, you don't pay.
A tax preparer looks back and files last year's return. A tax strategist looks ahead and plans next year's moves before the year ends. Dr. Pat Pachciarz® plans the strategy, your CPA prepares your returns, and both work from the same page.
Your CPA is great. Ask them about proactive tax strategy.
Oswego is a village in Kendall County on the Fox River, ZIP code 60543, next to Montgomery, Yorkville, Plainfield and Aurora. Oswego families often juggle the same things: kids in Oswego Community Unit School District 308, an old 401(k) from a past job, a business they want to sell someday, or a parent who needs more care.
Dr. Pat Pachciarz® meets with Oswego families in person at the office in Aurora, IL, or by video from your kitchen table. We serve Oswego and Aurora, IL, and virtually in all 50 states.
Dr. Pat Pachciarz® is a Private Wealth Advisor + Tax Strategist and the Founder & CEO of The Pinnacle Group. He works with busy professionals building wealth, business owners and families, serving Oswego and Aurora, IL, and virtually in all 50 states. Call 815-486-0722.
A fiduciary is an advisor who must put your interests ahead of their own when giving you advice. Ask any advisor, in writing, whether they act as a fiduciary at all times, on every account and every recommendation.
Search the advisor's name for free on FINRA BrokerCheck (brokercheck.finra.org) and on the SEC's Investment Adviser Public Disclosure site (adviserinfo.sec.gov). Read every disclosure. Then confirm each designation with the group that issued it.
In general, advisors are paid in one or more of these ways: by the hour, a set price for a one-time plan or project, a yearly fee tied to the accounts they manage, or commissions when you buy a product such as insurance or an annuity. Many use a mix. Ask each advisor how they are paid, by whom, and what you will pay in dollars, in writing.
We explicitly show you our value, in writing, before you hire us. If we can't prove it, you don't pay.
Yes. Dr. Pat Pachciarz® meets with Oswego families in person at the office in Aurora, IL, or by video. He serves Oswego and Aurora, IL, and virtually in all 50 states.
We serve Oswego and Aurora, IL, and virtually in all 50 states, from our office in Aurora, Illinois. Call 815-486-0722 or book a Clarity & Discovery Session.
This page is education, not legal, tax or investment advice, and it is not a promise about investment returns or tax results. Examples are illustrations, not clients. Your estate attorney drafts legal documents and your CPA prepares your returns; we coordinate the financial plan around them. Rules and figures change; confirm your own situation before acting. Pinnacle Private Wealth® is a marketing name used by Pinnacle Financial Planning, a Registered Investment Advisor. Registration does not imply a certain level of skill or training.
Reviewed by Dr. Pat Pachciarz®, The Pinnacle Group (Aurora, IL). Last reviewed Oct 19, 2026. Figures change; we re-check them against the sources above.