Buckeye, AZ Office

Paragon Capital Management provides discretionary and non-discretionary investment management, financial planning, and retirement-plan advisory services to individuals (including high‑net‑worth clients), families, trusts, retirement plans, corporations, and charitable foundations. The firm reports approximately $1,316,232,312 in regulatory assets under management as of December 31, 2025 and typically requires a $1,000,000 minimum account for advisory relationships.

PCM’s investment process blends strategic asset allocation and long‑term holdings with tactical adjustments and a proprietary quantitative optimization model, focusing primarily on equities, corporate debt, mutual funds, and ETFs while retaining the ability to recommend alternative investments when appropriate. The firm monitors accounts regularly, may maintain sizable cash balances depending on market conditions, and discloses that it can recommend margin or other borrowing in client portfolios—restricted to non‑investment needs—with advisory fees calculated on assets gross of any borrowing.

Distinctive features in the Form ADV include the firm’s scale relative to its small advisory team (five advisors), which results in relatively high AUM per advisor and an orientation toward larger, multi‑generational separately managed accounts. The brochure also documents use of third‑party service providers—naming Charles Schwab as the typical custodian, Egan‑Jones for proxy research/voting, and Tamarac for reporting—and describes specific legacy position management and proxy‑voting procedures.