Pat grew up in Cadillac and graduated from Cadillac Area Public Schools in 1991 where he was very active in a variety of different sports. He played tennis, basketball, ran cross-country and was on the ski team with State Honors.

His love for tennis led him to Kalamazoo College where he was a member of the National Champion Kalamazoo College Tennis Team. While attending Kalamazoo College he studied abroad for 6 months at a college in Madrid, Spain.

He graduated with a Bachelors degree in Economics and Business Administration in 1995. In 1995 his retirement planning career began with American United Life. During this time he acquired experience and expertise working primarily with Michigan Public School Employees.

In 1998 he branched off from American United Life and started an independent firm of Williams & Carroll Financial Services, LLC. By going out on his own this allowed him the ability to offer more products to better serve his clients.

Even during all of these changes his office remained based in Cadillac Michigan. In 2003, Pat married Sheri Carroll and welcomed the added addition of a stepson Dominic. Sheri is also a graduate of Cadillac Area Public Schools and attended Central Michigan University. She is currently working as a Registered Dietician in Cadillac.

Pat earned his Chartered Senior Advisor Designation in 2005 to help serve his client base better. Shortly after separated from Williams & Carroll and formed Carroll Retirement Plans & Investments. Looking to provide further product diversity for his clients, Pat joined Centaurus Financial Broker Dealer in 2006. Continuing his education to further benefit his clients, he earned his Chartered Federal Benefit Consultant designation in 2007 and Registered Investment Advisor license in 2008.

Carroll Retirement Plans & Investments has grown to focus on providing the best service and support to his current clients, and new investors. His goal is to provide the Cadillac Area community with small town service and accessibility with “big city” knowledge.