Business Details
25 Years
experience
Independent Financial Advisers in Springfield, PA
Paragon Capital Advisors was founded in 2001 by John Endres and Larry Carroll to provide independent investment advice to individuals, trusts, and retirement plans. Our fee-only model ensures unbiased recommendations tailored to each client's unique goals and risk tolerance. We utilize the Schwab Institutional platform to select investments without commission incentives, maintaining full transparency. With over two decades of experience, we specialize in custom portfolio design using Morningstar software and tactical adjustments based on market conditions.Our commitment to lifelong client relationships is reflected in our personalized financial planning services, including asset allocation, retirement strategies, and Social Security planning. We operate under a fiduciary standard, billing quarterly based on assets under management with fees below industry averages. Our partnership with Charles Schwab & Co. ensures secure asset custody while maintaining best execution practices. This structured approach has sustained client satisfaction through various market cycles since our inception.
Services
Investment Advice
Financial Planning
Portfolio Management
Social Security Planning
Retirement Planning
Asset Allocation
Brokerage Services
Details
- Year established: 2001
Highlights and features
- Fee-only investment advisory model with no commission conflicts
- 20+ years of experience serving individual and institutional clients
- Custom portfolio design using Morningstar software and tactical adjustments
- Secure asset custody through Charles Schwab & Co. partnership
- Transparent pricing structure below industry average management fees
Services
Investment Advisory
Our investment advisory service provides personalized portfolio recommendations based on individual risk tolerance and financial goals. Using Morningstar software and market analysis, we create customized asset allocations that evolve with changing economic conditions. Clients benefit from our fee-only structure that eliminates commission-based incentives while maintaining access to Schwab Institutional's extensive investment options.
Financial Planning
Comprehensive financial planning covers retirement strategies, tax-efficient investing, and long-term wealth management. We develop customized plans through in-person consultations that address specific client objectives and life circumstances. Our approach integrates ongoing portfolio adjustments with strategic financial guidance to help clients achieve both short-term and long-term goals.
Portfolio Management
Active portfolio management combines computer-generated models with our market expertise to optimize investment performance. We continuously monitor and rebalance portfolios to maintain target allocations while considering current economic indicators. This service includes regular performance reporting and adjustments to reflect evolving client needs and market conditions.
Brokerage Services
Brokerage services utilize Charles Schwab & Co.'s platform for secure trade execution while maintaining strict custody separation. We provide investment recommendations without direct access to client funds, ensuring transparency and security. Clients can choose Schwab or alternative custodians while receiving our independent investment guidance.
Retirement Planning
Specialized retirement planning focuses on sustainable withdrawal strategies and tax-efficient income generation. We help clients navigate retirement account options, Social Security optimization, and long-term care considerations. Our approach ensures portfolio longevity through market cycles while maintaining alignment with individual risk profiles and lifestyle goals.
People
John Endres
Co-Founder
Co-founder with over 20 years of experience in investment advisory services. Specializes in portfolio construction and client relationship management. Holds Series 65 securities license.
Larry Carroll
Co-Founder
Co-founder bringing extensive financial planning expertise to client relationships. Focuses on retirement strategies and long-term wealth management solutions for individual investors.
Questions
What services does Paragon Capital Advisors offer?
We provide investment advisory services, financial planning, portfolio management, retirement planning, and Social Security optimization strategies.
How is Paragon Capital compensated for its services?
We operate on a fee-only model, charging quarterly management fees based on assets under management with no commission incentives.
Where are client assets held?
Client assets are held at Charles Schwab & Co., Inc., a registered broker-dealer and member of SIPC, ensuring secure custody.
What is the minimum account size?
We work with clients at all asset levels, with our fee structure scaling favorably for larger portfolios starting at $500,000.
How often are portfolios reviewed?
Portfolios receive quarterly performance reviews with adjustments made as needed based on market conditions and client circumstances.
Do you offer one-time financial plans?
We focus on ongoing relationships but can provide specific financial planning components as standalone services when appropriate.
