Why we compare. How we make it fair.
Introducing the Fair Comparison Standard: different approaches, the same conditions, and after-tax results you can compare.
Financial strategies created by different people cannot be fairly compared until someone deliberately puts them under the same assumptions and evaluates performance claims.
At Paradigm Capital, we don’t hand you a plan and leave the comparison to you. We do that work for each plan you want compared, so you can make a decision, not a guess.
Our process is designed to find the strongest recommendation,
no matter whose it is.
Each strategy has trade-offs. We coordinate with your CPA and attorney, and we compare options rather than recommend a product first.
We start with what you want, measure where you stand, and compare every option the same way. Nothing changes unless you decide it should.
A relaxed, no-cost call, usually 20 to 30 minutes, with no documents needed. If you have a minute beforehand, answering a few quick questions in our questionnaire helps us make the most of the time together. Scott learns what you want your money to make possible and the questions you want answered. If it makes sense to continue, he explains what to gather and schedules your review with Ken.
You share the information you’re comfortable with, such as account statements and other figures, so we can organize your accounts, income, spending, debts and taxes into a single picture projected in after-tax cash flows. In your review meeting, Ken walks through every number with you to confirm it’s right and shows you the planning assumptions he’s using (inflation, returns, Social Security), which you can change. You’ll also receive an engagement letter that explains what we do and how we’re compensated.
Your Present Position becomes the yardstick everything else is measured against.
Ken models the options worth considering under the same assumptions as your Present Position: his ideas, plus any recommendation you bring from another adviser or CPA. You’ll see spendable income, taxes paid, estate value, and how each path holds up in poor markets, along with each option’s costs and restrictions. This is where our Fair Comparison Standard does its work, helping us find the strongest fit for your family and your future.
If an option involves investment management, insurance or a tax strategy, we introduce you to a licensed professional we know and trust. That professional walks you through how it works and the supporting due diligence before you decide.
Nothing is implemented unless you approve it. Paradigm Capital sends you a written recap of the next steps, the specialists handle the paperwork in the order Ken sets, and we keep every step moving in the right sequence. When needed, we revisit the plan as tax law, markets, your health or your family situation changes.
Projections are hypothetical. They are based on assumptions that may not occur and are not a guarantee of future results.
Shared facts and assumptions stay consistent across the comparison. Any scenario changes are clearly identified and agreed with you.
Each option’s actual costs, benefits, risks, and restrictions are included so you can see the tradeoffs clearly.