Richard W. Paul & Associates manages investment portfolios and offers personalized financial planning for individuals, high net worth individuals, and charitable organizations. The firm provides both active and passive investment strategies, utilizing stocks, bonds, treasury bonds, and occasionally third-party money managers or sub-advisors. Clients receive custom retirement income projections, risk assessments, and tailored asset allocations. In addition to investment management, Richard W. Paul & Associates offers modular or comprehensive financial planning covering retirement, estate planning, insurance, college funding, and tax strategies. The firm's managing member and advisors are also licensed insurance agents and may offer insurance products such as indexed annuities, presenting a potential conflict of interest regarding commissions.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.50% |
| $1.0M - $3.0M | 1.35% |
| $3.0M - $5.0M | 1.15% |
| $5M+ | 1.15% |
Schedule represents the Active Strategy. Passive strategy rates are 1.0% for $0-$1M, 0.80% for $1M-$3M, and 0.60% for $3M-$5M. Fees for accounts over $5M are negotiable.