Spenser Liszt, CFP®, CCFC Paradigm Advisors

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About Spenser Liszt, CFP®, CCFC

I find true fulfillment in advising and educating others toward financial freedom. Before joining Paradigm Advisors in 2019, I enjoyed a successful music career. My strength is utilizing a creative approach to solving a wide range of client needs.

Born and raised in Dallas, I graduated from The University of North Texas with a Master’s in Jazz Studies. I became a Certified College Financial Consultant (CCFC) in 2020 and a CERTIFIED FINANCIAL PLANNER™ Professional in 2021.

In my free time I enjoy woodworking and spending quality time with my wife.

 

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Recently Published

Can You See Your Own Blind Spots?

May 10, 2022

We all have blind spots, and by definition, you can’t see your own. 

Dave was an investment banker who really knew his way around money. If anyone knew how to invest, it was him. But he was looking for help managing his portfolio. We asked him, “Dave, of all the people we know, you’re in the best position to deal with your own money. Why do you need help?”

He replied, “I could manage my own money, except for the ‘I’ part.”

He recognized that when it came to his own money, he had blind spots. He recognized the value of having someone else help him see the mistakes he might make.

This is an important point to understand: We don’t hire a personal trainer, coach, financial advisor, or consultant because we’re stupid. We hire one because they are not us… and by definition, that means they will see things that we cannot see about ourselves.

And that, in and of itself, is invaluable.

As financial advisors, we look at what could possibly get in the way of living your ideal life. 

With proper planning, emergencies become minor inconveniences.


To living your ideal life,
The Paradigm Team

Paradigm Advisors is a fee-only financial planning firm based in Dallas, Texas and Fayetteville, Arkansas. Paradigm Advisors provides comprehensive financial planning and investment management services to help clients organize, grow and protect their wealth throughout life’s journey. Paradigm specializes in advising well-established career executives through financial planning and investment management. As a fee-only fiduciary and independent financial advisor, Paradigm never receives commission of any kind. Paradigm is legally bound by certification to provide unbiased and trustworthy financial advice.

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Risk Management: Asset Allocation

May 2, 2022

Whether your retirement is years away or right around the corner, your investment portfolio should be designed with your financial goals in mind. It needs to be forward-thinking enough to handle the whims of the market but flexible enough to make changes on the fly.

One of the most important concepts for any investor to understand is asset allocation. Put simply, asset allocation describes the division of stocks, bonds, and cash that make up your investment portfolio. Although this concept is straightforward, it has one of the largest impacts on your financial future.

Each asset class has its own set of risks and rewards, depending on your time horizon and financial goals. You and your financial advisor may make adjustments to your portfolio over the years as your needs change.

  • Stocks, also called equities, allow you to own a share of a publicly traded company. By investing in stocks, you have the potential for a higher return on your investment. But if the company has a bad year, or if the economy takes an unexpected turn, you may also lose money.1
  • Bonds, overall, have been a steadier source of fixed income. However, bonds are subject to interest rates and inflation risks, and their rate of return tends to be lower.1
  • Mutual funds and ETFs (exchange-traded funds) are pools of multiple companies in which you can invest. While many mutual funds have a mix of stocks and bonds, some specialize in one or the other. Mutual funds offer less risk than investing directly in stocks, as diversifying your asset allocation tends to spread the risk.1
  • Cash and cash equivalents give you flexibility for any unexpected emergencies that may arise. If your hot water heater dies, having funds on hand to take care of it without resorting to a credit card is helpful. However, your cash-on-hand cannot earn you money the way other investments might.1

Finding A Balance

When it comes to managing your portfolio, asset allocation requires a more hands-on approach. “Setting it and forgetting it” may sound appealing, but changes in the market warrant a portfolio review to make sure your asset allocation still makes sense. Working with a financial advisor is a great way to make sure that your asset allocation reflects your goals, and they can help make adjustments to any changes that life throws your way.1

  1. https://money.usnews.com/money/blogs/the-smarter-mutual-fund-investor/articles/how-to-understand-future-focused-asset-allocation

This content is developed from sources believed to be providing accurate information, and provided by Twenty Over Ten. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Paradigm Advisors is a fee-only financial planning firm based in Dallas, Texas and Fayetteville, Arkansas. Paradigm Advisors provides comprehensive financial planning and investment management services to help clients organize, grow and protect their wealth throughout life’s journey. Paradigm specializes in advising well-established career executives through financial planning and investment management. As a fee-only fiduciary and independent financial advisor, Paradigm never receives commission of any kind. Paradigm is legally bound by certification to provide unbiased and trustworthy financial advice.

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Risk Management: Dollar-Cost Averaging

May 2, 2022

Smart investors know that trying to time the market is often a losing game. Instead, you plan ahead and invest in such a way as to minimize risk and maximize your returns. Whether you’re a seasoned investor or just getting started, dollar-cost averaging could be beneficial.

What is dollar-cost averaging?

In dollar-cost averaging, you invest a set amount of money into your investment portfolio over regular intervals. Rather than investing a large sum of money at once, dollar-cost averaging allows you to get into the investing game without a huge outlay of capital. Dollar-cost averaging allows you to buy more during market slumps and less when the markets are high, without trying to play the market in the short term.1

There are quite a few benefits to dollar-cost averaging as an investment strategy. Dollar-cost averaging can help you:

  • Buy more shares: Over the long term, the price of assets trends higher. By using dollar-cost averaging, you may be able to use the ebb and flow of the market to buy more shares over time than if you made a big one-time purchase.
  • Invest consistently: Dollar-cost averaging helps you maintain consistency with your investing strategy. If you’re setting aside pre-tax dollars to invest in a company-sponsored 401(k), for example, you’re already making use of dollar-cost averaging.
  • Set it and forget it: Rather than trying to time the market in the short term, dollar-cost averaging allows you to invest in assets that are more likely to have staying power. This is an especially useful strategy if the idea of monitoring the stock market makes you queasy.

A case for lump-sum investing

There is research that shows that over the very long term, lump sum investing can outperform dollar-cost averaging. If you get a bonus or a sudden inheritance in general, you’re better off investing it as soon as possible. While returns aren’t guaranteed, it’s also more likely that you’ll see a return over having that money accrue minimal interest in a bank.

However, there are some key caveats. While lump-sum investing outperforms dollar-cost averaging most of the time, dollar-cost averaging still wins out in one-third of cases. The idea of investing a large sum of money at once can be intimidating to many investors, so it’s important to get an outside perspective to help you think with a clear head.

Who Should Use Dollar-Cost Averaging?

Dollar-cost averaging is a strategy that can best help beginner investors, or those without much money to invest at the outset. If you’re investing for the long term and aren’t comfortable with the research that goes into the financial market, dollar-cost averaging is a safer way to get started with investing. However, if you’re investing for the short term, or have a lump sum to invest, you might want to pursue another investing strategy.1,2

Depending on your personal financial situation, dollar-cost averaging may be a smart strategy for you—or it may make more sense to invest a large amount of capital at once. For most people, the financial strategy lies somewhere in between. Working with a financial advisor can help determine which strategy is the best for you.1,2

Regardless of the amount of money you have, the worst thing you can do is not invest at all.

  1. https://www.businessinsider.com/dollar-cost-averaging
  2. https://www.forbes.com/advisor/investing/dollar-cost-averaging/

This content is developed from sources believed to be providing accurate information, and provided by Twenty Over Ten. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Paradigm Advisors is a fee-only financial planning firm based in Dallas, Texas and Fayetteville, Arkansas. Paradigm Advisors provides comprehensive financial planning and investment management services to help clients organize, grow and protect their wealth throughout life’s journey. Paradigm specializes in advising well-established career executives through financial planning and investment management. As a fee-only fiduciary and independent financial advisor, Paradigm never receives commission of any kind. Paradigm is legally bound by certification to provide unbiased and trustworthy financial advice.

Read the full post →

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Ideal Clients

  • College Planning
  • Dual Income Family
  • Gen X
  • Holistic Financial Planning

Ways Advisor Charges

  • Monthly Fee
  • Quarterly Fee
  • Assets Under Management

Fee Options

  • Monthly Fee: $416+/mo
  • Quarterly Fee: $1250+/qtr
  • Assets Under Management: 0.75%

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