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Paragon Retirement Planning
Paragon Retirement Planning, Inc. is a US-based registered investment adviser specializing in retirement plan management and fiduciary consulting.
Paragon Retirement Planning
Paragon Retirement Planning, Inc. is a US-based registered investment adviser specializing in retirement plan management and fiduciary consulting. The firm serves individual retirees, near-retirees, and small to mid-sized businesses sponsoring qualified retirement plans. Its advisory model centers on constructing glide-path allocations that transition from accumulation to decumulation phases, often integrating annuities and fixed-income ladders to manage longevity risk. The firm operates under the Investment Advisers Act of 1940, adhering to ERISA fiduciary standards for plan sponsors. The investment strategy relies on strategic asset allocation using mutual funds, exchange-traded funds, and insurance-based products. Portfolios are calibrated to withdrawal-rate sustainability, incorporating Monte Carlo simulations to stress-test against market downturns. The firm favors low-cost passive vehicles for core equity and bond exposure, augmented by actively managed fixed-income sleeves for inflation protection. Public filings indicate a focus on domestic US markets, with no disclosed direct investments in private equity, venture capital, or direct real estate. Team size and assets under management are not publicly disclosed, and Paragon does not appear to maintain a public-facing website or LinkedIn presence as of mid-2026. The firm files Form ADV with the SEC, which details its fee-only compensation model and disciplinary history. No adjacent philanthropic vehicles, operating businesses, or co-investment clubs have been identified. The last available regulatory filing referenced a small advisory team and a client base concentrated in a single US state. Structurally, Paragon differs from aggregator platforms or national retirement providers by its likely local-market, high-touch advisory model. The absence of proprietary products suggests an open-architecture fiduciary posture, where the adviser selects external managers without the conflict of in-house fund manufacturing. This structure is common among boutique retirement-focused RIAs but distinct from wirehouse or insurance-owned advisory practices that embed proprietary solutions.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
—
Corporate office
—
Sector focus
Frequently asked questions
Is Paragon Retirement Planning a fiduciary under ERISA?
Yes. As a registered investment adviser, Paragon Retirement Planning must adhere to fiduciary standards under the Investment Advisers Act of 1940 and, when dealing with qualified retirement plans, under the Employee Retirement Income Security Act of 1974. This means the firm is legally obligated to act in the best interest of plan participants and beneficiaries, disclosing all conflicts and fees (per SEC Form ADV requirements).
What types of clients does Paragon Retirement Planning serve?
Based on regulatory filings, the firm serves two primary client segments: individuals and high-net-worth individuals seeking retirement income planning, and small to mid-sized businesses that sponsor defined-contribution plans like 401(k)s. The firm acts as an investment adviser and, in some cases, a plan fiduciary for corporate clients.
How does Paragon charge for its services?
Paragon Retirement Planning operates on a fee-only basis. This typically includes asset-based fees charged as a percentage of assets under management, fixed retainer fees for financial planning, and, for corporate retirement plans, either per-participant or percentage-of-assets fees. The firm does not earn commissions from product sales, which is a structural safeguard against conflicted advice.
Does Paragon offer proprietary investment products?
No. The firm uses an open-architecture platform, constructing client portfolios from third-party mutual funds, ETFs, and insurance-linked products. There is no evidence of in-house fund manufacturing, which supports its fiduciary posture by eliminating the incentive to allocate capital to a proprietary product with higher internal fees.
How does the firm manage sequence-of-returns risk for retirees?
Paragon's disclosed approach emphasizes capital preservation and distribution planning. The firm uses Monte Carlo simulation modeling to stress-test portfolios against adverse market sequences near retirement. Allocations typically incorporate a glide-path structure that reduces equity exposure as clients approach and enter retirement, alongside the strategic use of fixed-income ladders and annuity products to create income floors.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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