About

Who are My Clients?

Waite Financial clients are affluent individuals and families who desire a holistic approach to their wealth management and legacy planning.

Oftentimes they are in significant transition and require strategic help, for example, with:

the timing of retirement
responsible management of an inheritance aligned with their values
dealing with the complexities around the death of a spouse
complex tax or estate planning issues
sale of closely held business
the timing and exercise of stock options and deferred compensation payouts

Sometimes they are “suddenly wealthy” as a result of a significant liquidity event such as a legal settlement or an increased value in stock position.

Many are women who seek safe environments where they are not pressured into making hasty planning and investing decisions.

These situations may present more challenges and require an understanding of personal values and family dynamics and aspirations in order to create an ongoing process for addressing the opportunities and risks that accompany them.

Patrick Bobbins, CFA®, CIMA®

Trading and Portfolio Manager

"Carroll Financial understands that it takes more than just navigating the financial markets to have a successful relationship with a client. Sure we can invest in the markets – but we also invest in our relationship with the client." - Patrick Bobbins

Patrick is our Director of Investments & Research. His responsibilities include monitoring and managing investments in client accounts, equity and mutual fund trading, and researching new investment ideas. This is one of the few career fields where helping clients means researching and understanding world events and investment trends. “It is awesome to think that I can help someone achieve a retirement goal by researching credit spreads, emerging market valuations, and behavioral trends in the broad market, just to name a few.” Patrick enjoys talking with our clients about their investment portfolios and understanding what level of risk is necessary to achieve their goal.

Patrick joined Carroll Financial Associates in November of 2006, where he has worked on Larry Carroll’s team as well as in the trading and managed accounts department. He currently holds the Series 7 and 66 securities registrations.

Education and the mentality of being a lifelong learner is important to Patrick. In 2009, he graduated with honors from the University of North Carolina at Charlotte with a Bachelor Degree in Finance and minor in Economics. Patrick completed his master’s degree from Wake Forest University, graduating in 2014 with an MBA. He is a CFA® charter-holder and a member of the CFA® Institute, and has also completed the CIMA® designation. He has also taken his passion for education back to the classroom where he has been an adjunct professor, teaching a Financial Management class at UNC Charlotte to both undergraduate and graduate students.

A Charlotte native, Patrick and his wife Megan live off of Providence Road in Charlotte, and enjoy spending time with their son Collin, and their dog Mia.

Patrick can assist clients with anything from trading to explaining individual investments within their account. He is a great resource for our clients and is always quick to respond to any questions our clients might have.

Gina Fox, Registered Financial Assistant

Gina Fox serves as right hand administrative assistant to Katherine. She handles all of the day today affairs of our business, including speaking directly with our clients and processing administrative details and questions. Most people who meet her note her calm spirit and helpful attitude.

Gina is trusted greatly and has the requisite technical and people skills to assist with the protectorate-building process. Gina’s proactive “out in front of the process” work ethic supports the Waite concept of client focus first. She is a well-organized and intelligent manager of the critical duties necessary for supporting the distinctive value we believe we provide our clients.

She is a graduate of Appalachian State University with a degree in Chemistry. Prior to coming to Waite Financial and since 1997, Gina has worked in the financial services industry and has maintained her Series 7 license since 2001.

Heather Rivera

Client Experience Specialist

Heather's priority is the highest client experience possible. Every client is one-of-a-kind. It's her mission to deliver uniquely personalized client service.

As your Client Experience Specialist, you can count on Heather to guide you through complicated electronic processes and to manage the many moving parts of client accounts, both establishing them but also taking care of all administrative details. It is her pleasure to cultivate and maintain client relationships as well as to establish and implement sustainable practices. Being part of the Waite Financial team dedicated to helping people move smoothly through some of the biggest decisions and transitions of their lives is truly an honor.

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