investment returns are related to an investor's ability to endure risk.

We help you determine your true risk tolerance. Then, we build a portfolio designed specifically for you, to meet your goals.

More importantly, we help you stick to it.

Pillars 3 for Headers.jpg



Our investment management strategy is designed for clients who have worked hard to build a nest egg and are ready to enjoy the fruits of their labor.  The strategy contains 4 separate parts: 

  • Strategic Allocation,

  • Tactical Overweight,

  • Risk Overlay, and

  • Recession Protocol™.

Research shows that an investor's ability to confidently stick to an investment plan is an important factor in getting high returns... especially in retirement.


We coach our clients so they stick to their investment strategy throughout retirement.

The market can be unpredictable. Having a portfolio that is too aggressive - which you abandon as soon as the market moves against you - makes your journey more difficult. On the other hand, investing in a portfolio which is not aggressive enough to beat inflation and taxes is also counterproductive. 'Going Broke Safely' is not an acceptable strategy for retirement! Our High Confidence Investment Strategy seeks high returns - within your risk tolerance - with built-in safety features for a comfortable and optimistic investment experience.



Investment Management

PARAGON’s investment management strategy can be best described as follows:

our strategy has 4 main components.

Each component of our strategy has its own unique purpose:

  • Strategic Allocation: This concept addresses the percentage of various asset classes such as large or small stocks, international stocks, growth or value stocks, or various types of bonds within the portfolio. These percentages will vary as we go through each economic cycle. We adjust our strategic allocation occasionally.

  • Tactical Overweight: Sometimes, certain sectors tend to outperform the market at certain stages of an economic cycle. Examples might be real estate, technology, health care, etc. We typically have one or two tactical sectors within the portfolio at any given time. We adjust our tactical sectors as market conditions dictate.

  • Risk Overlay: PARAGON’s primary portfolio risk is known as “market risk.” We manage market risk by varying the percent of “risky” assets (i.e., stocks) versus safer assets (i.e., bonds). For example, if a portfolio owns 60% stocks and 40% bonds, and the market drops by 20%, that portfolio will likely drop by approximately 12% for a short time. Since, over the long term, stocks tend to outperform bonds, portfolios with more stocks generate a higher return over time. Every PARAGON client understands – and we mutually agree upon – their personal risk level prior to investing any money. YOUR risk level is adjusted only after discussions with you.

  • Recession Protocol: The largest market drops have always been caused by recessions. Examples are the Great Recession in 2008, the Tech Bubble Recession in 2000, and the Oil Recession that occurred in 1974. Stock market crashes during recessions have destroyed the retirement dreams of many investors retiring at the wrong time. Advice such as, "invest for the long term," “hold on, it will come back,” and “this is a buying opportunity” will work only if you are a young investor with plenty of time to recover and money to invest. Our Recession Protocol™ seeks to avoid being in the stock market - at all - during recessions.

    "Buy and Hold" does not work if you suffer a large market loss while taking withdrawals to sustain your standard of living. We offer an alternative. We seek to protect retirement accounts by avoiding those losses in the first place!


PARAGON is one of the few firms that attempt to avoid losing money during recessions.

Recessions are not random – they are a part of every economic cycle. All economic cycles come to an end, and the “reset button” is known as a recession, which usually comes with a market crash.

Recessions come with specific markers which we closely track on a weekly basis to execute our protective strategy known as Recession Protocol™.



PARAGON employs multiple third-party data sources and algorithms designed to alert us of oncoming recession. When a recession is indicated, it is PARAGON’s policy to trade all client accounts entirely out of stocks and into safer assets that tend to do well during economic downturns – such as Treasury bonds. This is known as our “Recession Protocol™.”

We have the technology to perform this action, and we train on it routinely. We can execute Recession Protocol™ within one day across all client accounts if necessary.

Clients of PARAGON must remember that the algorithms and data to implement Recession Protocol™ are purchased from third parties and have the benefit of hindsight. Some or all of the economic indicators that predicted recessions in the past may or may not be present in the future. The offer of Recession Protocol™ is understood to be a “best efforts” undertaking and, while it has significant and convincing academic backing - it does not represent an guarantee against loss by PARAGON or by the third parties who provide PARAGON with the algorithms and the data to execute the service.

Safety of Your Assets:

All client assets are invested in your name, with qualified custodians - national firms that provide trading, custody, and brokerage services to registered investment advisors. We offer institutional-level accounts with both Fidelity and TD Ameritrade. Both firms meet strict regulatory guidelines, have superior trading platforms, and each account is protected by the Securities Investor Protection Corporation (SIPC) for up to $500,000 in securities and $100,000 in cash. Additionally, both firms provide an extra level of coverage from Lloyd’s of London for nearly unlimited amounts of securities and up to $1.9 million in cash, and offer significant pricing discounts for our clients that individuals are unable to negotiate on their own. Clients receive monthly statements, and can view their accounts 24 hours per day, 7 days per week, by logging in to Fidelity.com or TDAmeritrade.com.

OUR STRATEGIES ARE BASED UPON basic principles of investing


factor investing

Nobel Laureate Eugene Fama University of Chicago Booth School of Business professor Ken French published research in 1993 that proved 3 primary factors drive high returns in a portfolio - risk, size, and value. More recent research determined additional factors that can add return - momentum, quality, and low volatility. PARAGON portfolios are constructed with these factors in mind, using components specifically designed to capture the essence of each factor. Click here to see more information on the Factor Investing.


Today's markets are efficient at setting proper prices. Stock pickers rarely outperform the market for long - and almost never without incurring more risk and higher costs. Trying to pick managers or mutual funds who will outperform the market - in advance - is like trying to predict next year’s Super Bowl winner based upon last year’s season. The odds are far better if you own low cost, passive investments that seek to capture the entire returns of each market segment or factor - at the lowest possible cost, with the least tax impact.

We do, however, make changes as fiscal policy and economic cycles change.


MPT is a Nobel-Prize winning investment theory which helps investors construct portfolios designed to maximize their returns for their specific risk tolerance. PARAGON uses MPT as an initial framework for our investment policy, but because of the limitations MPT displayed during the tech bubble crash in 2001 and the Great Recession in 2008, and more recent research involving Factor Investing, we are more tactical than most MPT purists tend to be.  However, for reference, a detailed overview of Modern Portfolio Theory can be found here.

Does YOUR Portfolio Fit YOU?