Paradigm Advisors is a fee-only, fiduciary financial planning and investment management firm based in Dallas, Texas and Fayetteville, Arkansas. We help dual-career households, established executives, and successful career professionals organize, grow, and protect their wealth.

Our work covers comprehensive financial planning, including cash flow, taxes, retirement, equity compensation, insurance, estate, and college, as well as investment management through low-cost, diversified portfolios. We never collect commissions.

Three reasons our clients consistently cite:

• Senior credentialed advisors on every relationship: Our team holds the CFA®, CFP®, CPA, and RLP® designations. You work directly with the people who built the firm, no junior handoffs
• Deep investment expertise: We managed institutional hedge fund strategies for 20+ years, a depth of expertise that's unusual among planning-focused firms
• Life planning first: Our Registered Life Planner® process starts with what matters most to you, then engineers the plan around it

Successful career professionals and established executives who value their time and want to delegate the heavy thinking about their financial life. Typically:

• Dual-career household families, often in their 30s or 40s
• Parents balancing college savings, retirement, and aging family members
• Officers and directors navigating stock options, RSUs, and deferred compensation
• Business owners preparing for major liquidity events or transitions

These are a few common questions many prospects bring to a first call. Online calculators give a number, but they can't account for the things that matter most: your tax picture, your kids' future, your aging family members, equity compensation, the trade-offs between today's lifestyle and tomorrow's freedom.

Our work begins with answering these with confidence:

• Are you okay financially? We build a complete picture of your net worth, cash flow, savings rate, and risk exposure, then show you where you stand and what options you have next
• Are you on track to retire? We project your retirement readiness using real assumptions tied to your goals, income, spending, and timeline, then stress-test the plan against down markets, longevity, and unexpected expenses
• What might you be missing? This is where a seasoned planner matters most. We see the blind spots: the underfunded HSA, the suboptimal asset location, the deferred comp election you didn't know you could change, the umbrella coverage you need and don't have

You shouldn't have to wonder if you're doing this right. We help you know.

Major life events reshape your financial plan in ways that are hard to navigate alone. They're also the moments when good guidance matters most. We help clients through:

• Financial windfalls: Stock vests, IPOs, inheritances, business sales, signing bonuses, large insurance settlements. We help you make decisions you won't regret, for example tax planning, concentrated-stock diversification, charitable structuring, and how to process the change without losing your purpose
• Loss of a loved one: When a spouse, parent, or family member passes, financial decisions pile up on top of grief. We handle these complexities, for example Social Security elections, beneficiary claims, retitled accounts, estate coordination, so you can focus on what matters
• Divorce: We help you understand the financial implications of settlement options, project your post-divorce picture, and rebuild a plan that serves the next chapter
• Career and business transitions: Job changes, retirements, business sales, succession planning. We can evaluate the financial, tax, and life impact dimensions together
• Family changes: New babies, college decisions, aging parents, blended families, and more. Your plan flexes as your family does

What clients tell us they value most is having a steady hand to call. Someone who already knows the full picture and can help them think through options clearly.

Because time is the single most powerful variable in your financial life. More powerful than how much you earn, what you invest in, or trying to time the market. The sooner compounding starts, the longer it has to work.

Below is an example of two savers, with consistent monthly contributions, but different start dates.

Person A contributed $240,000 less and ended up with ~$185k more.

Person A saved aggressively for ten years and never added another dollar. Person B contributed three times as much, for three times as long, but started a decade later. Person A still won because their money started compounding ten years sooner.

Ready to put time on your side? Schedule a complimentary discovery call with us.

These two terms describe how your advisor is paid and who they're legally obligated to serve.

Fee-only means we are paid exclusively by our clients, never by commissions, kickbacks, or revenue-sharing. Compensation drives advice; a commission-based advisor has an incentive to recommend products that pay them. A fee-only advisor doesn't.

Fiduciary means we are legally obligated to act in your best interest at all times. Some other advisors operate under the suitability standard requiring that recommendations are suitable based on a client's personal situation. This standard does not require the advice to be in the client's best interest.

Paradigm is a registered investment advisor (RIA) firm acting as fiduciaries at all times. We always provide full disclosure and transparency when working with clients.

Comprehensive planning means we examine every meaningful part of your financial life, not just your investments. We revisit your plan as life evolves. This is an ongoing relationship, not a one-time deliverable.

Topics we cover:

• Foundations: values and goal prioritization, net worth, cash flow, income benchmarking
• Protection: risk and insurance review, estate planning coordination
• Growth: investment management, tax-aware investing, retirement projections
• For employees and executives: stock options, RSUs, ESPP, deferred compensation, employee benefits
• For families: college planning, student loans, major savings goals, charitable giving

Our investment philosophy is evidence-based, globally diversified, and disciplined. Portfolios are built around your financial plan and long-term goals, never around market forecasts, hot stocks, or headlines. The approach is grounded in decades of academic research (including Nobel Prize-winning work on how markets price risk) and applied by senior advisors who have each spent decades in the industry, including managing institutional strategies.

In practice, that means:

• Markets work: Rather than trying to outguess prices, we capture market returns through low-cost, broadly diversified funds that hold thousands of companies across U.S., international, and emerging markets, with modest emphasis on dimensions of higher expected returns identified in long-run academic data
• Your plan drives your portfolio: Your mix of stocks and bonds is set by your goals, timeline, and near-term cash needs, then maintained through disciplined rebalancing, not tactical shifts
• What matters is what you keep: The only return that counts is yours after taxes and costs. We use low-cost funds, trade as little as reasonably possible, and manage your investments with taxes in mind, including tax-loss harvesting and smart asset location
• Discipline beats prediction: Time in the market beats timing the market. Our job is to keep you and your portfolio on course through volatility

Two transparent components, both disclosed in writing:

• Comprehensive planning: Starts at $6,000/year, scaling with complexity up to $70,000. Paid monthly or quarterly
• Investment management: 0.75%/year on the first $500,000 of assets under management, stepping lower as assets grow. Paid quarterly

Investment management fees apply to IRAs, taxable brokerage accounts, trusts, UTMAs/UGMAs, and HSAs. No management fees on 529 plans or charitable giving accounts. Employer retirement accounts (401(k)s, 403(b)s) are generally excluded unless directly managed by Paradigm, though we provide guidance and allocation advice on them as part of your overall plan.

No commissions, no 12b-1 fees, no revenue sharing. What you pay Paradigm is the total cost of working with us.

Paradigm is based in Dallas, Texas and Fayetteville, Arkansas, and operates as a fully virtual practice. We serve clients across the United States, with concentrations in Texas (Dallas, Fort Worth, Plano, Frisco, Austin, Houston, San Antonio) and Arkansas (Fayetteville, Bentonville, Rogers, Springdale, Little Rock). Meetings happen securely over Zoom, or in our offices in Dallas and Fayetteville by appointment.

Dallas, Texas: 8201 Preston Road, Suite 310, Dallas, TX 75225; (214) 756-6066
Fayetteville, Arkansas: 310 West Dickson, Suite 220, Fayetteville, AR 72701; (479) 777-2727

• CFP® | Certified Financial Planner®: The standard of excellence for personal financial planning. (cfp.net)
• CPA | Certified Public Accountant: State-licensed expert in accounting, taxation, audit, and personal financial planning. (aicpa.org)
• CFA® | Chartered Financial Analyst®: Globally recognized as the most rigorous investment credential. (cfainstitute.org)
• RLP® | Registered Life Planner®: Specialized training in aligning a client's deepest values with their financial plan. (kinderinstitute.com)
• NAPFA | National Association of Personal Financial Advisors: The leading association of fee-only advisors. Members take an annual Fiduciary Oath. (napfa.org)
• FPA® | Financial Planning Association®: Largest membership organization for CFP® professionals in the U.S. (plannersearch.org)