Menu burger Close thin Facebook Twitter Google plus Linked in Reddit Email arrow-right-sm arrow-right
Tap on the profile icon to edit
your financial details.

Paradigm Wealth Advisory Review

Your Details Done
by Updated

This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

Paradigm Wealth Advisory is a financial advisor firm that places an emphasis on the retirement planning needs of its clients, though it also provides other forms of financial planning and investment management.

This is is a fee-based financial advisor firm. Its client base consists of mostly individuals and families above and below the high-net-worth threshold. It also serves estates and trusts. Paradigm employs a small group of advisors who oversee hundreds of millions in client assets under management (AUM).

Paradigm Wealth Advisory Background

Paradigm Wealth Advisory is a relatively young firm, as it was formed in 2016. Financial services holding company, Paradigm Wealth Management Holdings, LLC, is the principal owner of the firm. Paradigm Wealth Management Holdings is owned by Paradigm Wealth Advisory’s managing partner and chief compliance officer (CCO), David Provinsal.

The team of advisors at Paradigm includes one chartered financial analyst (CFA).

Paradigm Wealth Advisory Client Types and Minimum Account Sizes

All of Paradigm Wealth Advisory’s AUM comes from the accounts of non-high-net-worth individuals, high-net-worth individuals, families, trusts and estates. On occasion, the firm will work with other charitable organizations and businesses.

Paradigm Wealth Advisory does not institute a minimum account size requirement. The firm explicitly states in its Form ADV, though, that “smaller accounts may be subject to different investment selection and strategies.”

Services Offered by Paradigm Wealth Advisory

Paradigm Wealth Advisory’s top concern is helping its clients plan for retirement. At the start of your advisory relationship, Paradigm will work with you to figure out how much monthly income is necessary to meet your lifestyle needs in retirement. This includes taking a hard look at your prospective guaranteed income (Social Security and pension) and non-guaranteed income (personal savings, hard assets and more).

Paradigm also offers a range of services to meet investment management and financial planning needs, such as:

  • Discretionary investment management
    • Long-term focus
    • Proprietary investment evaluation and selection
    • Portfolio monitoring
    • Re-allocations and rebalances as needed
    • Investment discretion for clients
  • Financial planning
    • Investment planning and review
    • Retirement planning
    • Estate planning
    • Insurance analysis and planning
    • Education savings planning
    • Personal savings planning
    • Charitable gift planning
    • Referrals to third-party financial specialists (accountants, attorneys, etc.)

Paradigm Wealth Advisory Investment Philosophy

The first step at Paradigm Wealth Advisory is building your investor profile. This involves a deep dive on your risk tolerance, personal investment goals, time horizon and any other applicable information. These considerations will inform the strategy used to build your portfolio.

Paradigm Wealth Advisory prefers to invest for the long-term. This affinity explains why the firm usually uses mutual funds and exchange-traded funds (ETFs), with variable annuities, individual equities and fixed-income securities mixed in. Although the firm primarily offers discretionary investment management, it does allow clients to select investments they specifically do not want included in their portfolio.

Fees Under Paradigm Wealth Advisory

Investment advisory clients at Paradigm will pay an annual fee ranging from 0.25% to 1.75% of AUM. Your rate is based on the complexity of your situation and the number of assets you have invested with Paradigm. Under certain circumstances, the firm will include securities transaction fees in its annual fee, which makes such arrangements a wrap fee program. All investment advisory fees are charged quarterly, in advance.

Financial planning clients will abide by either an hourly or fixed fee schedule. Hourly charges range up to $350, while fixed fees are based on a combination of your hourly rate and the number of hours in which your financial plan is expected to take. An estimate of your financial planning fees is calculated prior to the start of any services.

What to Watch Out For

Based on Paradigm Wealth Advisory’s SEC-filed Form ADV, the firm has a clean legal and regulatory record.

As a fee-based firm, certain employees at Paradigm Wealth Advisory earn commissions for the sale of specific securities and insurance products. These individuals are licensed independent insurance professionals and registered representatives of LPL Financial, a securities broker-dealer. Despite this association, the firm is a fiduciary, which means it’s legally bound to act in clients’ best interests.

Opening an Account With Paradigm Wealth Advisory

Call Paradigm Wealth Advisory at (908) 450-7402 to open an account with the firm. If you’re located near its office in Perkasie, Pennsylvania, be sure to instead call (215) 249-1767 instead.

All information is accurate as of the writing of this article.

Tips for Investing

  • Financial advisors typically have extensive experience in finding ways to align clients’ personal needs with their investment portfolios. Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • When you sell an investment for a profit, the government requires that you pay taxes on those gains. This is the capital gains tax. Over time, these taxes can significantly cut into your total returns. To get an idea of how much you’ll pay, use SmartAsset’s capital gains tax calculator.

How Long $1mm Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology We analyzed data on average expenditures for seniors, cost of living and investment returns to determine how many years of retirement a $1 million nest egg would cover in cities across America.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research