We’ll Meet You Where You Are.
Paradigm will help you reduce taxes, optimize investments and achieve financial freedom.
Paradigm will help you reduce taxes, optimize investments and achieve financial freedom.
Our typical clients are...
We might be a great fit for each other if you...
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 provide guidance.
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 before they snowball.
We help you prepare for life’s challenges and address the financial implications of important decisions, such as:
Life is unpredictable, and the only constant is change. We are committed to guiding you through each step. 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 thoughtful, sound advice with zero hidden fees.
15-min discovery call with Monica to see if your situation matches our expertise.
60-min call with Michelle and Spenser to discuss what is top of mind, your desired future state and what it looks like to work with us.
If we are a good fit for each other you sign agreements and we will get started!
You upload relevant documents, login into your personal eMoney portal and link accounts all in one place.
Duration: 90 min
Finances aside, this is where we learn more about you and what is important to you. We uncover what is at your Heart's Core. This interaction gives us, and you, a better understanding of what you want. Then we help you make the best decisions about your resources. You will find increased clarity and start painting the picture of what you want your ideal life to look like.
Duration: 60 min
Together we confront what could possibly get in the way of living your ideal life. We review your insurance and address any possible gaps. We discuss our investment philosophy, your risk profile, and establish your investment account(s) and recurring contributions/distributions.
Duration: 60 min
We go behind the curtain and apply our decades of experience to develop a comprehensive financial plan. Together we agree on assumptions and accuracy of facts. Then we explore all the "what-ifs" to see the potential lifetime impact of your decisions.
It's time to start living your ideal life. We agree on next steps and have a clear vision of what we want to accomplish over the next 12 months. As life unfolds we revisit goals, review progress, and address life changes. We'll continue to work together via email and phone to implement recommendations.
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.
Comprehensive financial planning fees start at $5,000 per annum and increase with complexity. Planning fees are paid monthly or quarterly. Investment management fees are 0.75% per annum on the first $500,000 of investable assets under management and scale lower as assets under management increase. Asset management fees are paid quarterly.
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 an ongoing collaborative client/advisor relationship. By working with your other advisors, we are proactive in optimizing your tax planning strategies.
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.
See our FAQs for more information.
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.
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.
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 choices.
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.
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.
Accounts managed by Paradigm are considered investable assets. Examples include:
We do not charge a management fee for 529 Plans or Charitable Giving Accounts. Employer retirement accounts are generally excluded unless managed by Paradigm.
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:
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:
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.
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.
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.
We're based in Dallas, Texas and in Fayetteville, Arkansas - but we are a virtual practice. We work with you regardless of where you are in the world.