Pat Dunn, CFP®

Sr. Director of CX at Robinhood | Head of Concierge Services

Girl dad | Cyclist | Former College lacrosse player

Views are mine | Not financial advice

[Pat Dunn, CFP® @PatDunn]

@OCollins80 Love to hear it. We can always do better, so please reach out if you ever need anything or have feedback.

[Pat Dunn, CFP® @PatDunn]

The financial services industry charges more for complexity than it does for outcomes. The most expensive products are often the most complicated, not the most effective.

I've watched people pay for sophistication they didn't need when simplicity would have served them better.

That's not an accident.

[Pat Dunn, CFP® @PatDunn]

I hear you. Customer support is a big part of trust, and I’d like to understand what happened.

My DMs are open if you’re comfortable sharing more just please don’t include any personal or account details.

For anything account-specific or urgent, Support in the app is the best place to get help.

[Pat Dunn, CFP® @PatDunn]

@d1therer The commoditization of information has changed the game.

[Pat Dunn, CFP® @PatDunn]

Not really feeling fireworks in Colorado with all the fires, plus many shows are cancelled.

What is your favorite non-firework 4th of July tradition?

[Pat Dunn, CFP® @PatDunn]

The question I get asked most that surprises people: "Am I doing enough for my kids?"

The closer someone is to real financial security, the more the worry shifts from building wealth to making sure it means something.

[Pat Dunn, CFP® @PatDunn]

Most financial advisors are in the business of making complexity feel necessary. The best ones are in the business of making it feel digestible and relatable.

Those are opposite jobs.

The industry rewards the first kind. Clients need the second.

[Pat Dunn, CFP® @PatDunn]

A majority of retail investors are locked out of private markets. The growth you hear about on the news but can't participate in. That's where the economy is being built.

More than 80% of American households can't get in and that gap is wider than most people realize.

[Pat Dunn, CFP® @PatDunn]

What does Robinhood Concierge and @23XII have in common?

Behind every great NASCAR driver is an expert team. Excited to be at Sonoma today. 🏁

[Pat Dunn, CFP® @PatDunn]

What does Robinhood Concierge and @23XIRacing have in common?

Behind every good driver is an expert team. 😉

[Pat Dunn, CFP® @PatDunn]

People ask why I work at Robinhood. Growing up in a family that struggled to make ends meet, I saw the real impact of living in a world that separates people who have access to financial services from people who don't.

I know what that costs people and society in the long run. I'm driven by being somewhere with a mission to change that.

[Pat Dunn, CFP® @PatDunn]

The 401(k) turns 47 this year. For most of its life, regulatory and legal barriers have kept ordinary retirement savers locked out of private markets; the same asset class that generated 18-20% annualized returns for state pension funds over the last decade. Wealthy investors and government workers got access. The rest of us got the public market only. That gap is finally being discussed.

Source: https://t.co/d9BmI1vhIK

Past performance does not guarantee future results.

[Pat Dunn, CFP® @PatDunn]

12 days until the Grand Départ!

[NBC Sports Cycling @NBCSCycling]

There's nothing quite like the scenes at the Tour de France! 🇫🇷🤩

#TDF2026 📺: Peacock

[Pat Dunn, CFP® @PatDunn]

HELOC subject to credit approval and eligibility requirements. Mortgage services by Sage Home Loans Corporation. NMLS#3304. Terms and Conditions https://t.co/IifyJjHJLQ

[Pat Dunn, CFP® @PatDunn]

Missed the livestream? Replay’s now up. I sat down with Sage Home Loans CEO Mike Malloy to talk HELOCs: how they work, when they make sense, and what to look for.

Watch on YouTube: https://t.co/JU3HfADaou

[Pat Dunn, CFP® @PatDunn]

HELOC subject to credit approval and eligibility requirements. Mortgage services by Sage Home Loans Corporation. NMLS#3304. Terms and Conditions: https://t.co/IifyJjHJLQ

[Pat Dunn, CFP® @PatDunn]

One standout question from our HELOC livestream with Sage: Can HELOC funds be used for things besides home projects?

[Pat Dunn, CFP® @PatDunn]

Since a HELOC is secured by your home, using it for investments or other purposes carries real risk. Talk to a tax or financial professional about your specific situation.

[Pat Dunn, CFP® @PatDunn]

Tax treatment varies. Under current law, how you use the funds can affect how the interest is treated. Worth knowing before you borrow.

[Pat Dunn, CFP® @PatDunn]

Yes — HELOC proceeds can be used for a variety of purposes, depending on your loan terms and situation.