Paradigm Wealth Advisory

Joseph White, CFA, CFP, serves as Chief Investment Officer and leads the investment function. Founder David Provinsal and CEO Michelle Guerin shape the client-advisory framework, but White translates the firm's retirement-income philosophy into portfolio construction. The team structures allocations around the REALNumber income target rather than a relative-return benchmark, selecting primarily mutual funds, ETFs, and separately managed accounts through a fiduciary, product-agnostic lens.

The REALNumber is Paradigm's proprietary calculation of the monthly income a household requires to cover essential living expenses in retirement, independent of market fluctuations. The firm maps all guaranteed income sources — Social Security, pensions, annuities — against that number first, then layers discretionary portfolios to fund lifestyle spending. This decumulation-first approach makes the entire advisory relationship hinge on predictable cash flow rather than portfolio growth, which is an uncommon posture among RIAs that typically emphasize accumulation.

Paradigm operates as a registered investment advisor (RIA) and states that it acts independently without a corporate parent dictating product sales. As an RIA, the firm is held to a fiduciary standard on advisory accounts, though its public materials do not detail the fee schedule. The website's emphasis on being process-driven and product-agnostic, combined with the absence of proprietary products, points toward a fee-based advisory model rather than commission-driven brokerage.

The firm provides both discretionary and non-discretionary asset management, meaning it can execute trades on behalf of clients who grant it authority or serve in an advisory capacity where clients retain final decision-making. The core service wraps investment management inside retirement-income planning, using the REALNumber to determine the withdrawal and allocation strategy for each household.

Team member Ryan Grady, the firm's Vice President and Investment Advisor Representative, is registered through LPL Financial, but the firm's website explicitly states that Grady is solely an investment advisor representative of Paradigm Wealth Advisory and not affiliated with LPL. Paradigm presents itself as an independent RIA that leverages LPL's infrastructure for Grady's registration without being owned by or beholden to LPL on product or strategy decisions.

The firm serves individuals, high-net-worth individuals, and charitable organizations. Its marketing language targets professionals who have accumulated assets and are approaching or entering retirement, positioning the practice as specialists in turning accumulated savings into sustainable post-career income rather than serving clients still in the wealth-building phase.

No. Paradigm's website emphasizes that it is product-agnostic and free from corporate mandates to sell specific products. The firm builds portfolios using third-party vehicles — likely mutual funds, ETFs, and separately managed accounts — and does not operate an in-house fund complex, broker-dealer, or proprietary investment product.