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THE FINANCIAL GUIDANCE YOU NEED.
THE CLARITY AND OBJECTIVITY YOU WANT.

REDUCE TAXES | OPTIMIZE INVESTMENTS | ACHIEVE FINANCIAL FREEDOM



SCHEDULE A CALL


FEE-ONLY FINANCIAL PLANNING


We’ll Meet You Where You Are.

 

Starting to get serious about saving?
Seasoned professional looking for expert advice?
Paradigm will help you focus on achieving your dreams while navigating everyday life.








You Got This!


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"REAL FINANCIAL PLANNING LIVES AT THE INTERSECTION OF YOUR MONEY, TIME & VALUES."

ABOUT


Thoughtful, sound advice with zero hidden fees.

At Paradigm, we value objectivity, integrity and transparency. We provide fee-only financial planning focused on guidance and support. Our advisors don’t collect commissions on any investments we recommend, allowing us to offer truly objective advice.

Paradigm makes it easy to collaborate and customize a plan tailored to your goals.

Design

We want to understand who you are and where you want to be, both now and in the future. We’ll work together to aggregate your information, then design a plan that works for you.

Implement

We’ll help you take the second (and sometimes scariest) step: putting your plan into action. Whether diving into the details of purchasing a new home or revising your estate plan, we’ll come up with solutions together. We provide strategic direction, asset allocation and investment advice.

Live

Living your life with peace of mind should be a priority, but we’re all human. We know that life is unpredictable and its only constant is change. As questions start to arise, feel confident that our team of advisors at Paradigm will support you each step of the way.

Who

Are you an established professional but not yet ready to retire? Experiencing a significant life change and need help navigating the future? Overwhelmed by the thought of addressing your current and future goals?

We serve successful professionals, executives and entrepreneurs seeking to achieve a balanced approach to financial freedom, time management, and core values.

We might be a good fit to work together if:

  • You’re financially stable and want someone who can objectively assess your financial preparedness for all stages of life.
  • You want a team of savvy professionals to provide sound advice.
  • You have executive compensation plans to navigate.
  • You want to have impactful conversations about your financial life.

Why

Wherever you are now - considering retirement savings strategies, evaluating private school for your children, purchasing a second home, saving for college, or supporting your elderly parents - we’re here to help.

Building a firm financial foundation to pursue your ideal life and achieve confidence in your future is paramount. You can trust us to care for your financial health, navigate dynamic changes in financial markets, optimize your tax strategy, and help avoid costly mistakes.

We help you prepare for life’s challenges and address the financial implications of important life decisions, such as:

  • Starting a family.
  • Making a career change, or starting your own business.
  • Navigating employee benefits and deferred compensation.
  • Preparing for your next stage in life.

With our help, you can reap the benefits of your hard-earned financial success and increase free time to do more of what you want to do.

We truly believe our unique perspective sets us apart. Our team has extensive experience in varied wealth management and financial planning roles. Our deep knowledge of investing, taxation, trust and estate planning shapes our view toward risk management and staying the course. Combined with our well-recognized credentials (CFA®, CFP®, CPA, RLP®), this perspective qualifies us to advise clients navigating life’s difficult choices.

Michelle Underwood Gass Photo

Michelle Underwood Gass

CPA, CFP®, RLP®
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Michelle Underwood Gass, CPA, CFP®

I have always had a passion for helping people and resolving complex issues. My diverse experiences working in different areas of finance – accounting, tax, family office environment, hedge funds and ultimately becoming an entrepreneur – make me uniquely qualified to serve your needs.

My professional career started with three years in public accounting at Arthur Andersen, where I learned firsthand the positive impact of strategic tax planning on wealth accumulation. I transitioned into investment management at a Dallas-based family office before venturing into non-traditional investment strategies and founding Paradigm, where we successfully managed hedge funds for over two decades. I received a Masters of Accountancy with a concentration in Taxation and a Bachelor of Science in Business with a concentration in Accounting from the University of Tennessee. I am a Certified Public Accountant (CPA) and Certified Financial Planner (CFP®).

When I'm not helping others plan for their future, I'm enjoying time with family and friends. My favorite activities include walking, bridge, savoring good food and wine and traveling anywhere and everywhere...connecting with others along the way while I explore local cultures.

(214) 756-6060
mgass@paradv.com
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W. Kirk Dunk

CFA®
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W. Kirk Dunk, CFA®

As Head of Investment Management at Paradigm Advisors, I work to optimize risk adjusted returns based on our clients' needs. I have always enjoyed research and am passionate about investment analysis.

I joined Paradigm in 1994 and successfully managed long/short equity hedge fund strategies for over two decades. Prior to Paradigm I began my investment career as an associate with Discovery Management, a hedge fund employing a quantitative market neutral investment strategy.

A native of Dallas, I graduated from Greenhill School and then attended Southern Methodist University where I received a BBA in Finance and Management Information Systems. I also hold the designation of Chartered Financial Analyst (CFA).

When I am not helping others plan for their future or doing homework with my children, I enjoy traveling, following professional sports, listening to live music, and tinkering with computers and other electronics.

(214) 756-6065
kdunk@paradv.com
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Monica D. Fair

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Monica D. Fair

As Director of Operations at Paradigm Advisors, I support, direct and organize the daily functions of our office. My strong organizational skills, keen attention to detail and flexibility to work with different aspects of a business make the financial world a perfect fit. 

I joined Paradigm in September of 2018 and bring 25 years of operations and management experience with me. As I continue to learn and grow, my passion for helping others and my love of learning bring me fulfillment and joy. 

A native of Dallas and resident of Lakewood for the last 30 years, I have pursued extensive training in the medical profession and received multiple certifications in: medical coding and billing, Emergency Medical Technician (EMT), phlebotomy and teaching, among others. For 17 years, I taught at Richland Community College. 

When I am not helping others or helping my teenage daughter plan for her future, I enjoy road trips, mountain biking, kayaking, and hiking with my family, tapping into my inner peace at yoga and feeding my healthy obsession with scientific and political podcasts.


(214) 756-6067
mfair@paradv.com
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Spenser L. Liszt Photo

Spenser L. Liszt

CCFC
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Spenser L. Liszt, CCFC

I find true fulfillment in advising and educating others toward financial freedom. Before joining Paradigm Advisors in 2019, I enjoyed a successful music career. My strength is utilizing a creative approach to solving a wide range of client needs.

Born and raised in Dallas, I graduated from The University of North Texas with a Master’s in Jazz Studies. I passed the CFP® exam in 2019 and became a Certified College Financial Consultant (CCFC) in 2020.

In my free time I enjoy woodworking and spending quality time with my wife.


(214) 756-6075
sliszt@paradv.com
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“GO CONFIDENTLY IN THE DIRECTION OF YOUR DREAMS. LIVE THE LIFE YOU HAVE IMAGINED.”

- Henry David Thoreau

SERVICES & FEES


Comprehensive Financial Planning

We provide clarity, insight and direction around your finances to help you achieve your life goals. Our comprehensive financial planning services are delivered within the context of a collaborative client/advisor relationship. By working with your other advisors, we will be proactive in optimizing your tax planning strategies.

Investment Management

We provide strategic direction, asset allocation and investment advice to our clients with the overarching goal of capital preservation and long-term growth.

We take an active approach to passive investment management. We invest primarily in exchange-traded funds (ETFs) and mutual funds, with a constant eye on liquidity for our clients.

Above all, we manage your portfolios for the long term, with a “stay the course” philosophy on risk management.

Initial Plan: Paradigm’s comprehensive financial planning package for the first year is $2,500 - $35,000 and includes everything from insurance and education planning to long-term care needs and charitable giving strategies.

Ongoing Concierge Fee: In subsequent years, an annual retainer of $2,500 - $40,000, billed quarterly, is charged based on your income, diversity of assets and complexity of the work. The retainer provides you with concierge access and interaction with the Paradigm team as a sounding board for financial advice throughout the year. We view our relationship with you as an ongoing partnership.

Investment Management: Investment Management fees are 75 basis points (0.75%) per annum for the first $500,000 of assets under management and decline on a tiered basis to as low as 40 basis points (0.40%).

“THE STOCK MARKET IS A DEVICE TO TRANSFER MONEY FROM THE IMPATIENT TO THE PATIENT.”

- Warren Buffett

RESOURCES


Asset Allocation
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#Goals
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Life in a Box
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“A GOAL WITHOUT A PLAN IS JUST A WISH.”

- Antoine de Saint-Exupéry

FAQ



What does Fee-only financial planning mean & why is it important to me?

Fee-only financial planning means we’re only paid by our clients. We’re compensated solely by the fees we charge directly to our clients, not via commissions or other kickbacks. 

It’s important to you because it ensures you that our advice is in your best interest and unbiased. As fiduciary advisors, we’re not tied to proprietary financial products. We will recommend the most cost-effective and appropriate solution for you.

Do I need to have a lot of money or be established in my career to work with a financial planner?

No! We recognize that financial planning is appropriate for different stages of life. For many young professionals, time is your greatest asset - so start now. It’s not about how much money you have. 

We’re here to help you build a strong financial foundation and to watch you grow.

What is your investment approach if I choose to take advantage of your money management expertise?

With over 25 years of experience, our team has collectively worked across all areas of wealth management and financial planning. We invest for the long term. We keep investment costs low, diversify, rebalance regularly and believe in asset allocation. 

Our experience and credentials (CFA®, CFP®, CPA, CCFC) mean we’re qualified to advise and coach clients through many of life’s difficult choice

WHAT DOES FIDUCIARY MEAN & WHY DOES IT MATTER?

A fiduciary always acts in the best interest of YOU, the client.

The suitability standard requires 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.

Dual-registered/hybrid advisors can "change hats" between the Fiduciary and Suitability standards.

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.

What is comprehensive financial planning?

Imagine this... Your doctor recommends surgery without performing an examination or reviewing your medical history. How would you feel?

We need to understand your entire financial picture to give proper holistic advice.

Comprehensive planning involves the detailed review and analysis of your financial situation including:

- Cash flow analysis
- Risk management (insurance)
- Investment management
- Tax management
- Retirement planning
- Estate planning

Then we begin the ongoing process of:

- Setting goals
- Organizing your finances
- Discovering your heart's core
- Developing and implementing strategies
- Reviewing progress and making adjustments.

What do the acronyms: CFP®, CPA, CFA®, RLP®, CCFC, NAPFA & FPA® stand for?

CFP® - Certified Financial Planner®

The CFP® certification is recognized as a standard of excellence for personal financial planning. When selecting a financial planner, you need to feel confident that the person you choose to help you plan for your future is competent and ethical. Only those who have fulfilled the certification and renewal requirements of the CFP Board can display the CFP® certification marks.

For more information on the CFP® designation, please visit: www.cfp.net

CPA - Certified Public Accountant

The CPA designation is limited to those individuals who have met the high standards of examination, professional work experience, and continuing education requirements set by the State Boards of Accountancy. Individuals with this certification will have expertise in accounting, auditing, tax, business valuation, and personal financial planning.

For more information on the CPA license visit: www.aicpa.org

CFA® - Chartered Financial Analyst®

The Chartered Financial Analyst® (CFA®) credential is the most respected and recognized investment designation in the world. These individuals will have knowledge of academic theory, current industry practice, and ethical and professional standards to provide a strong foundation of advanced investment analysis and real-world portfolio management skills.

For more information, visit: www.cfainstitute.org

RLP® - Registered Life Planner®

Life Planning focuses on the human side of financial planning. In Life Planning we discover a client’s deepest and most profound goals through a mindfulness-based process of structured and non-judgmental inquiry. Then, using a mix of professional and advanced relationship skills, we inspire clients to pursue their aspirations, discuss and resolve obstacles, create a concrete financial plan, and provide ongoing guidance as clients accomplish their objectives.

For more information, visit: www.kinderinstitute.com

CCFC - Certified College Financial Consultant

Recipients of this credential have met the education and professional experience requirements needed to obtain the Certified College Financial Consultant (CCFC) designation. This recipient has demonstrated mastery in the topics of education funding, financial aid planning, planning with education tax deductions and credits, and student loan advising. This recipient is hereby entitled by the American Institute of Certified College Financial Consultants to hold and use the CCFC marks publicly.

For more information, visit:
www.aiccfc.org

NAPFA - National Association of Personal Financial Advisors

NAPFA advisors have twice the number of continuing education requirements as a CFP® and even more rigorous requirements, including peer reviewed financial planning. All NAPFA advisors must be Fee-Only and take a Fiduciary Oath each year.

To learn more about NAPFA, visit: www.napfa.org

FPA® - Financial Planning Association®

The Financial Planning Association® (FPA®) is the largest membership organization for CFP® professionals in the U.S. and also includes members who support the financial planning process.

To learn more, visit:
www.plannersearch.org

Where do I have to be located to work with you?

We’re based in Dallas, Texas and in Fayetteville, Arkansas - but we’re a virtual practice. We can work with you regardless of where you are in the world. 

We’ll help you make financial decisions, either in person or online, that impact your life now and in the future.

What kinds of topics do you talk about with clients?

"MOST PEOPLE DON'T PLAN TO FAIL, 

THEY FAIL TO PLAN."

- John J. Beckley

Press & Media


XY Planning Network Podcast

Michelle shares her story and how Paradigm Advisors came to fruition.

The XY Planning Network is an organization of fee-only financial advisors focused on Generation X and Y clients.

Texas Wall Street Women

Michelle shares her definition of success and career advice for women.

Texas Wall Street Women is a network of professional women in finance dedicated to making a difference in their community.

Ellevate Member Spotlight

Michelle details her career path and advice for working moms.

Ellevate Network is a community of professional women committed to helping each other succeed.

“IF YOU DON'T KNOW WHERE YOU ARE GOING, YOU'LL PROBABLY END UP SOMEWHERE ELSE.”

- David Campbell

CONTACT


SCHEDULE A CALL



Paradigm Advisors, LLC


We're based in Dallas, Texas and in Fayetteville, Arkansas - but we are a virtual practice. We can work with you regardless of where you are in the world.


Dallas Texas

8111 Preston Road, Suite 575
Dallas, Texas 75225
214.756.6066
pallc@paradigmadvisors.com

Fayetteville Arkansas

102 East Sunbridge, Suite 2
Fayetteville, Arkansas 72703
479.777.2727  
pallc@paradigmadvisors.com


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