As the founder of MyLifeBroker, Pat has earned a reputation as one of Delaware’s most trusted financial educators. With more than two decades of experience, he has worked alongside both federal and private-sector employers, helping individuals navigate the complexities of retirement income planning with clarity and confidence.

Pat and his team specialize in guiding retirees and those approaching retirement who want to preserve their principal while creating a dependable, lifelong income stream. His approach is rooted in providing peace of mind—ensuring clients can enjoy retirement without the fear of outliving their savings. In addition to retirement income strategies, Pat is highly regarded for his expertise in estate planning. He has helped hundreds of families build thoughtful financial bridges, allowing assets to pass efficiently to loved ones while minimizing exposure to probate, long-term care spend-downs, and unnecessary taxation.

While many firms promise personalized attention and unbiased advice, Pat distinguishes himself by truly delivering on both. As an independent advisor, he offers objective guidance with access to a broad range of top-tier financial solutions, always prioritizing what best serves his clients’ needs.

Outside of his professional life, Pat shares a strong family foundation with his wife, Beth, to whom he has been married for 35 years. They reside in Wilmington, Delaware, and are proud to have their two sons, Marco and Jesse, actively involved in the family practice. Together, the Ginefra family is passionate about giving back, dedicating time to raising awareness for organ donation through the Gift of Life Foundation in the Greater Philadelphia area.