Financial Advisor Fees & Pricing | Paragon Capital Management

Fees and Pricing

Transparent, Tiered Advisory Fees

Paragon Capital Management is a fee-only fiduciary firm. We do not receive commissions, and our advice is designed to stay aligned with your best interests.

Our advisory fee includes ongoing investment management and comprehensive financial planning—integrated into one long-term relationship.

Minimum advisory fee

$1,750 per quarter ($7,000 annually)

Quick clarity

Your fee is calculated from the tiered schedule below. If that amount is less than $7,000 per year, the minimum applies.

Investment Management Fee Schedule

Tiered schedule • billed quarterly in arrears

Our schedule is tiered: as assets increase, the marginal rate declines—so your blended fee typically decreases over time.

Assets Under Management	Annual Advisory Fee
1st $1,000,000	0.90%
Next $1M – $5M	0.70%
Next $5M – $10M	0.50%
Any assets $10M+	0.35%

Note: Additional third-party costs may apply (e.g. custodian administrative fees and mutual fund ticket charges).

Minimum advisory fee: $1,750 per quarter

We maintain a $1,750 per quarter minimum ($7,000 annually) to support a proactive, high-touch planning relationship and ongoing advisor access.

If your calculated AUM fee is below $7,000/year

The minimum applies so we can deliver the level of planning and proactive service we believe clients deserve.

When assets grow beyond the minimum threshold

Once managed assets are approximately $780,000+, fees typically exceed $7,000/year and follow the tiered schedule.

A simple way to think about the relationship

Every Paragon client receives both comprehensive financial planning and ongoing investment management. The difference is what your fee is primarily reflecting at different asset levels.

Lower managed assets

The minimum fee primarily reflects the depth of ongoing financial planning and advisor engagement—while investment management remains included as part of the relationship.

Higher managed assets

As assets grow, the advisory fee increasingly reflects the work and responsibility of portfolio management—with comprehensive planning fully integrated.

Examples

$500,000 managed

0.90% = $4,500/year
Minimum applies → $7,000/year

$1,000,000 managed

0.90% of $1,000,000
Total = $9,000/year

$2,000,000 managed

$1M at 0.90% = $9,000
$1M at 0.70% = $7,000
Total = $16,000/year

How We Compare

We believe our fees provide strong value based on the custom-tailored financial and tax planning we offer, paired with disciplined investment management. Below is how our blended fees compare across common asset levels.

Assets	$1,000,000	$2,000,000	$3,000,000	$5,000,000	$10,000,000	$20,000,000
Paragon fees	0.90%	0.80%	0.77%	0.74%	0.62%	0.49%
Industry average	1.02%	0.91%	0.86%	0.84%	0.69%	0.65%
Estimated annual savings (Industry avg − Paragon) × assets	$1,200	$2,200	$2,700	$5,000	$7,000	$32,000
Estimated 5-year savings Annual savings × 5 (illustrative)	$6,000	$11,000	$13,500	$25,000	$35,000	$160,000

Estimated savings are illustrative and based on the blended fee percentages shown above. Actual fees and outcomes depend on account structure, asset allocation, and services provided. “Industry average” figures are based on studies from Kitces.com and Charles Schwab.

Fee FAQs

Do you charge commissions?

No. We are fee-only fiduciaries and do not receive commissions or product compensation.

Is financial planning included?

Yes. Financial planning is integrated into our advisory relationship along with ongoing investment management.

What is your minimum fee?

Our minimum advisory fee is $1,750 per quarter ($7,000 annually). If the tiered AUM schedule calculates to less than that, the minimum applies.

How are fees billed?

Fees are billed quarterly in arrears and are based on the value of assets we manage for you.

Interested in working with us?

If you’d like a clear understanding of how our advisory structure applies to your situation—and whether we’re a good fit—schedule a discovery meeting.

Schedule a Discovery Meeting