Paragon Retirement Planning

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).

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.

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.

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.

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.