About
Patrick "jay" Guerin
Founder | CEo
After ten years in education, I moved into financial planning to keep doing what I love—helping people make confident decisions. I earned my insurance license and became an investment advisor representative so I could guide families through retirement with clarity. I am affiliated with Gradient Advisors, LLC, an SEC registered investment advisor.
I founded 45° North Wealth Group, LLC to help retirees become financially secure and stay retired. My approach blends education, personalized planning, and genuine care, making complex financial concepts simple and actionable.
Family drives everything I do. My wife, Molly, and our four boys—Blake, Tyler, George, and Russell—keep life full. Outside of work, I’m usually traveling, golfing, or spending time with them, and I bring that same family‑focused mindset to the clients I serve.
Strategic Alliances
MICHAEL BINGER, CFA®
President
Gradient Investments, LLC
READ BIO
KEITH GANGL, CFA®
Senior Portfolio Manager
Gradient Investments, LLC
READ BIO
TYLER ELLEGARD, CFA®
SENIOR Portfolio Manager
Gradient Investments, LLC
READ BIO
MICHAEL BINGER, CFA®
President
Gradient Investments, LLC
READ BIO
KEITH GANGL, CFA®
Senior Portfolio Manager
Gradient Investments, LLC
READ BIO
TYLER ELLEGARD, CFA®
Senior Portfolio Manager
Gradient Investments, LLC
READ BIO
*This endorsement of Gradient Investments, LLC, (GI) and its portfolio management services is provided by an investment advisor representative of Gradient Advisors, LLC (GA). This investment advisor representative refers clients to GI for portfolio management services. GI does not pay separate compensation to GA in relation to its endorsement or any promotional services. However, GA receives a portion of the advisory fees paid by clients who utilize the portfolio management services of GI. GA also shares in the revenue of GI via quarterly payments based on the amount of total assets GA places with GI. This endorsement incentivizes GA in increasing the assets placed with GI, and therefore the compensation received by GA. GA’s investment advisor representatives are not affiliated with or supervised by GI. An additional conflict of interest exists because GA and GI are under common ownership. While these conflicts of interest exist, investment advisor representatives of GA are subject to fiduciary duty and must act in the best interests of their clients. These investment advisor representatives and their clients are not required to use GI, and may select other investment managers.
