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our fees are designed to be cost effective for comprehensive, ongoing relationships

We encourage you to see for yourself if PARAGON is right for you.

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SERVICE MODELS & FEES

PARAGON currently offers two service models:

  1. Investment Supervisory Services to provide continuous portfolio management, Recession Protocol™ protection, investment optimization, portfolio cost reduction, and insights on the current market and economy.

2. Wealth Management Services, which can include Financial Planning in several key areas depending upon your needs and requests (details below), along with all of the benefits of Investment Supervisory Services.

INVESTMENT SUPERVISORY SERVICES WEALTH MANAGEMENT SERVICES
Develop client’s personal investment policy
Continuous Portfolio Management
Investment Optimization & Cost Reduction
Recession Protocol™
Quarterly Market & Economy Live Workshop / Video Recording
Quarterly Performance Reporting
Team Of CFP® Professionals to Provide Advice On:
       Retirement Income Optimization
        Tax Minimization Planning
        Survivor, Estate, And Legacy Planning
        Strategies to Protect Your Wealth
        Financial Planning for Life Decisions
        Investor Coaching
Managed Asset Level, in US DollarsInvestment Supervisory Services Annual % FeeWealth Management Services Annual % Fee
0 - 1,000,000 1.00% on first 1,000,000. Minimum required investment is 500k, or annual fee of $5,000 1.25% on first 1,000,000. Minimum required investment of $1Million, or annual fee of $12,500
1,000,000 - 2,500,0001.00% on next 1,500,000
2,500,000 - 5,000,0000.40% on next 2,500,000
5,000,000+Negotiable, or otherwise 0.40%.

Most clients pay their fees directly from their accounts and see no impact on their monthly cash flow. Our goal is to keep your total investment costs (including "expense ratios") as low as possible to maximize your return. PARAGON’s portfolio expense ratios (i.e. the additional internal fees and costs assessed by each mutual fund and/or ETF used in a client portfolio) are as low as 0.14% annually - less expensive than most mutual funds found in 401k plans. A complete list of expense ratios remains available upon request.


Fee Table Calculations

We realize that “tiered” fee structures can be confusing.  Please reference the chart to your right to quickly estimate fees for portfolios of varying sizes. The fee percentage shown includes Recession Protocol™ for ALL Paragon accounts – and, for Wealth Management Clients, all of the services listed on our Wealth Management page

Managed Asset Level, tiered equivalent at common asset levels Investment Supervisory Services Wealth Management Services
$2 Million 1.00%1.13%
$3 Million0.90%0.98%
$4 Million0.78%0.84%
$5 Million0.70%0.75%
$7.5 Million*0.60%0.63%
$10 Million*0.55%0.58%
*Assumes 0.40% annual rate above $5 Million
CFP Fees

our fee schedule is tiered, and is very cost effective.

For example, the aggregate annual fee on a $5 Million portfolio with our Wealth Management Service is only 0.75% because the last $2.5 Million is charged only 0.4%, and includes ALL comprehensive wealth management services, including Recession Protocol™ at no additional charge.


With PARAGON's low cost portfolios, the total cost of PARAGON's services, including investment costs, may be lower than the cost of many equity mutual funds you would invest in on your own.* Sometimes, after a thorough cost analysis of a perspective client's existing portfolio - becoming a PARAGON client may actually cost less than staying where you are!

*Investment Company Institute Factbook www.icifactbook.org

MONTHLY/QUARTERLY RETAINER OPTION

Occasionally, a client may not have significant assets available to transfer to our custodians (Fidelity Institutional, or TD Ameritrade Institutional) for management - but would still benefit from ONGOING wealth management. Perhaps their money is "tied up" in 401(k) plans, private business accounts, dynasty trusts or foundations, or they are high income earners desiring to build wealth. If this is your situation, we may still work together. We can provide our services for a negotiated retainer that is agreeable to both parties. It works very similar to a subscription to any other service, and can be paid by bank draft, credit card, or invoice.

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We DO NOT offer an "hourly fee" or a "project fee" (pay for a financial plan) option

We have designed our firm to provide ongoing wealth management services at an extremely cost-effective price. Our services are for clients who desire continuous wealth management, and wish to delegate the complex tasks of investment management to a professional firm, and then oversee it from an "owner" standpoint.

CFP Services

we are proud that our fees are highly competitive for the level of service that we offer.

However, we do not offer an "hourly" or "pay for a plan" service.

We offered those options in the past, and watched those clients lag behind our other clients in virtually every area of financial success. So, we eliminated that service option.

Chasing “one-off” projects can significantly distract a firm from delivering an extraordinary ongoing experience to all clients, all the time.

FIRMS WHO OFFER "ONE-OFF" PLANS OR "DO IT YOURSELF, hourly consult" SERVICEs TYPICALLY:

  • Cannot ensure their recommendations are implemented correctly and cannot monitor the results of their recommendations

  • Cannot provide accurate performance reporting

  • Cannot respond effectively to rapid market or economic changes

  • Do not invest in the infrastructure and technology necessary to maximize portfolio returns and minimize errors

  • Cannot properly service accounts in the event of a client's death or incapacity

  • Cannot be vigilant, or proactively protect clients against fraud or elder abuse

  • Have no relationship with client family members at a time when that relationship may be critical

  • Rarely coordinate with a client's other professional advisors (CPA, attorney, etc)

  • Deliver a lower level of client service because they are distracted by time-consuming "one-off" projects instead of proactively focusing on their clients' well-being

  • Report that clients avoid calling, emailing, returning phone calls, or asking questions because they don't want to get a bill for the adviser's time.

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Trustworthy Wealth Managers

if you are paying a firm By the hour - how truly concerned are they about your wealth?

If you pay an advisor an hourly rate - or a commission - you pay them either way, so what do they care if your investments grow or shrink?

On the other hand, a fiduciary firm whose income is dependent upon their clients' success is far more likely to be in tune with the markets and economic factors which your drive investment growth - or may prevent massive market losses.