Richard W. Paul & Associates, LLC

Richard W. Paul & Associates, LLC is a Michigan registered investment adviser established in March 2011 by Richard W. Paul, specializing in fee-based financial planning and investment management. The firm does not sell annuities, insurance, stocks, bonds, or mutual funds. They offer portfolio management services with discretionary direct asset management, financial planning consultations, and tailored services based on individual client needs. The firm's investment philosophy focuses on value, safety, and quality, with an emphasis on risk control. Clients are required to have a minimum account size of $500,000, which may be waived at the firm's discretion. Fees for portfolio management services are based on a tiered structure depending on assets under management, with active and passive strategy options. Financial planning services are offered on an hourly or fixed fee basis, with fees agreed upon in advance and due at the time of signing the agreement. The firm's employees, including Richard W. Paul and Matthew M. Paul, hold various professional certifications such as CFP®, CEP, RFC, and CRPC®. They have no reported disciplinary actions and engage in other business activities, including insurance sales. The firm's Chief Compliance Officer, Matthew M. Paul, is responsible for supervision and compliance with the firm's policies and procedures.