About the Site

Welcome to Zero to Zero! This site was started as a place to share thoughts, tips, and insights on all things financial planning—without the jargon and complexity that too often gets in the way. Whether it's budgeting, investing, or navigating life transitions, my goal is to break things down in a way that actually makes sense. Financial planning shouldn't feel like learning a new language or solving a puzzle—it should feel like a conversation.

This blog also serves as a window into how we think about planning and the kinds of questions my team and I help people answer every day. Whether you're just getting started or revisiting your financial goals, we hope these posts offer helpful perspective—and maybe even inspire you to take the next step in your own financial journey.

About the Author

Patrick Bradford, CFP^® is a dedicated financial planner who believes that financial planning doesn’t have to be complicated to be effective. With a passion for simplifying complex financial concepts, Patrick helps individuals and families make confident, informed decisions about their money. His approach is rooted in education and transparency, ensuring that each client understands not just what to do, but why it matters for their unique goals and lifestyle.

Whether guiding young professionals, growing families, or retirees, Patrick is committed to delivering financial clarity and peace of mind. His mission is to transform financial planning from an overwhelming task into an empowering journey—one that aligns with his clients’ values and aspirations.

Patrick has more than 5 years’ experience as a Wealth Manager with a particular emphasis on tax planning for high net worth families. Before starting his career, Patrick graduated from Dominican University with a Bachelor of Business Administration degree where he was a starter on the Volleyball team. He is a CERTIFIED FINANCIAL PLANNER® professional.

Patrick lives in Chicago where he enjoys spending time with family and friends exploring the city, watching and playing sports, and attending live music events.