our fees are designed to be cost effective for ongoing relationships
We encourage you to see for yourself if PARAGON is right for you.
SERVICE MODELS & FEES
PARAGON currently offers two service models:
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 Dollars | Investment Supervisory Services Annual % Fee | Wealth Management Services Annual % Fee |
|---|---|---|
| 0 - 1,000,000 | 1.00% on first 1,000,000. | 1.25% on first 1,000,000. |
| 1,000,000 - 2,500,000 | 1.00% on next 1,500,000 | |
| 2,500,000 - 5,000,000 | 0.40% 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.
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 Million | 0.90% | 0.98% |
| $4 Million | 0.78% | 0.84% |
| $5 Million | 0.70% | 0.75% |
| $7.5 Million* | 0.60% | 0.63% |
| $10 Million* | 0.55% | 0.58% |
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 custodian (Fidelity 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.
