Paradiem, LLC d/b/a Intentional Ownership (herein “Paradiem” or the “Advisor”) is a registered investment
advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a limited
liability company (“LLC”) under the laws of the State of Louisiana. The Advisor was established as a registered
investment advisor in 2011. Effective January 1, 2022 the Adviser became a wholly owned subsidiary of
Paradiem Holding Company, LLC, which is owned by Eric L. Dunavant (President).
This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory
services provided by Paradiem, including asset management and insurance.
Paradiem offers asset management and financial consulting services to individuals, high net worth individuals,
families, and charitable organizations (each referred to as a “Client”).
The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a
fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to
mitigate potential conflicts of interest. Paradiem’s fiduciary commitment is further described in the Advisor’s
Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics,
Participation or Interest in Client Transactions and Personal Trading.
Kingdom ROI Blueprint, Kingdom Business ROI Blueprint and Consulting Services
Personal / Family Planning (Kingdom ROI Blueprint)
Paradiem offers services to help coordinate the various aspects of your family’s finances along with your family
relationships. Paradiem seeks to serve families in a role similar to that of a Chief Financial Officer. The following
areas are addressed depending on the needs and complexities of each family.
• Year 1
o Clarity of Goals
§ Impact Interview
§ Written Goals and Intentions
o Collaboration
§ Coordinate your team of advisors
§ Discuss planning with your advisors
§ Quarterback your planning
o Tax Planning
§ Review tax returns
§ Annual tax planning
§ Capital Gains Minimization
o Cash Flow Planning
§ Current cash flow
§ Optimize cash flow
§ Review cash flow scenarios
o Estate Planning
§ Create estate plan
§ Written legal guidelines
§ Review legal documents
§ Drive excecution of documents
o Family
§ Improve communication
§ Strengthen relationships
§ Intentional Conversations
§ Family Heatlh Insight
§ Give children a voice
o Trusted Advisor
§ Listening Ear
§ Prioritize your needs/desires
§ Quick response to your calls /emails
Page 5
§ Your advocate
o Charitable Giving
§ Annual Giving Optimization
§ Generosity Interview
o Investments
§ Review holdings and performance
§ Align Investments with planning
o Business
§ Business sale strategies
§ Succession planning
§ Alignment with personal planning
o Implementation
§ Facilitate Implementation of plan
§ Accountability with action Items
§ Coordinate and monitor strategies
o Events
§ Exclusive access to events
§ Unique access to our community
• Year 2+
o Clarity of Goals
§ Annual Update and Review
o Collaboration
§ Coordinate your team of advisors
§ Discuss planning with you’re advisors
§ Quarterback your planning
o Tax Planning
§ Review tax returns
§ Annual tax planning
§ Capital Gains Minimization
o Cash Flow Planning
§ Current cash flow
§ Optimize cash flow
§ Review cash flow scenarios
o Estate Planning
§ Monitor changes for updates
o Family
§ Develop family values
§ Develop family motto
§ Facilitate family meetings
§ Create family letters
§ Include family In giving
§ Improve communication
§ Strengthen relationships
§ Intentional Conversations
§ Family Heatlh Insight
§ Give children a voice
o Trusted Advisor
§ Listening Ear
§ Prioritize your needs/desires
§ Quick response to your calls /emails
§ Your advocate
o Charitable Giving
§ Annual Giving Optimization
§ Creation of your giving story
§ Develop giving strategies
Page 6
§ Identify giving passions
o Investments
§ Audit for obstacles and opportunities
§ Exclusive access to events
§ Unique access to our community
o Business
§ Business sale strategies
§ Succession planning
§ Alignment with personal planning
o Annual Reviews
§ Discuss Ideal outcomes
§ Implement Ideal outcomets
§ Update plan
§ Implement plan changes
o Events
§ Exclusive access to events
§ Unique access to our community
Business Planning (Kingdom Business ROI Blueprint)
Paradiem offers services to help coordinate the various aspects of your business. Paradiem seeks to serve
businesses in a role similar to that of a business consultant. The following areas are addressed depending on the
needs and complexities of each business.
• Year 1
o Business Operating System Implementation
o Clarity of Goals
§ Impact Interview
§ Written Goals and Intentions
o Collaboration
§ Coordinate your team of advisors
§ Discuss planning with your advisors
§ Quarterback your planning
o Trusted Advisor
§ Listening Ear
§ Prioritize your needs/desires
§ Quick response to your calls /emails
§ Your advocate
o Leadership
§ Define Culture
§ Formalized Core Values
§ Documented Vision
§ Develop purpose
§ Documented Mission
o Operations
§ Streamline Key Processes
§ Develop KPIs
§ Build Meeting Optimization
o Marketing
§ Identify Core Customers
§ Define Differentiators
o Finance
§ Cash Flow Planning
§ Tax Planning
§ Informal Valuation
§ Growth Analysis
§ Charitable Giving Strategies
§ Sale Strategies
Page 7
o Personnel
§ Employee Care & Compensation Strategies
§ Define Organizational Structure
§ Right People, Right Seats
o Legal
§ Buy-Sell Agreements
§ Structure Analysis
§ Business Continuitiy
o Implementation
§ Facilitate Implmentation of Plan
§ Accountability with Action Items
§ Coordinate and Monitor Strategies
o Events
§ Exclusive access to events
§ Unique access to our community
• Year 2+
o Business Operating System
§ Coordinate Annual and Quarterly Meeting Updates
o Clarity of Goals
§ Annual Update and Review
o Collaboration
§ Coordinate your team of advisors
§ Discuss planning with you’re advisors
§ Quarterback your planning
o Trusted Advisor
§ Listening Ear
§ Prioritize your needs/desires
§ Quick response to your calls /emails
§ Your advocate
o Leadership
§ Review
• Culture Sustainability
• Core Values
• Vision
• Purpose
• Mission
o Operations
§ Process Review
§ Annualized KPI Monitoring
§ Facilitate Meeting Optimization
o Marketing
§ Monitor Ideal Customer Avatar
§ Re-visit Market Differentiators
o Finance
§ Optimize Current Cash Flow
§ Current & Future State Projections
§ Tax Planning
§ Valuation & Growth Analysis
§ Charitable Giving Strategies
§ Sale Strategies
o Personnel
§ Employee Care & Compensation Review
§ Review Organizational Structure
o Legal
§ Monitor Changes for Updates to:
Page 8
• Buy-Sell Agreements
• Structure Analysis
• Business Continuitiy
o Annual Reviews
§ Discuss Ideal outcomes
§ Implement Ideal outcomets
§ Update plan
§ Implement plan changes
o Events
§ Exclusive access to events
§ Unique access to our community
Planning or consulting
services may also encompass one or more areas of specific need, including but not limited
to, investment planning, retirement planning, personal savings, education savings and other areas of a Client’s
financial situation. The Advisor may provide guidance on any type of security, depending on the needs, goals,
financial situation and current positions held by a Client. The Advisor may also provide guidance on non-
securities investment products, as appropriate.
Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the
interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor
for investment management services or to increase the level of investment assets with the Advisor would pose a
conflict, as it would increase the amount of advisory fees paid to the Advisor. This causes a conflict of interest; to
mitigate this conflict Clients always have the right to choose to implement any recommendation with any
broker-dealer or insurance agency. Clients always have the right to decide whether to implement any
recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects
to implement on any of the recommendations made by the Advisor, the Client always has the right to execute
the transaction through another advisor. The Investment Advisor Representatives (herein “Advisory Persons”)
will typically receive commissions for the implementation of recommendations for insurance transactions, in
their separate capacity as insurance professionals.
Investment Management Services
Paradiem provides customized investment advisory solutions for its Clients. This is achieved through
continuous personal Client contact and interaction while providing discretionary and non-discreationry
investment management and consulting services. Paradiem works with each Client to identify their investment
goals and objectives as well as risk tolerance and financial situation to create a portfolio strategy. Paradiem
constructs portfolios with individual equity securities, exchange-traded funds (“ETFs”), individual fixed income
securities and mutual funds to achieve the Client’s investment goals. For certain Clients, the Advisor may
recommend investment in Class F-2 shares offered through American Funds Services (“AFS”), a low cost mutual
fund option, which do not include 12(b)-1 fees. Paradiem’s investment approach is primarily long-term focused,
but the Advisor may buy, sell or re-allocate positions that have been held less than one year to meet the
objectives of the Client or due to market conditions. Paradiem will construct, implement and monitor the
portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each
Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their
respective portfolio, subject to the acceptance by the Advisor.
Paradiem evaluates and selects ETFs and mutual funds for inclusion in Client portfolios only after applying their
internal due diligence process. Paradiem may recommend, on occasion, redistributing investment allocations to
diversify the portfolio. Paradiem may recommend specific positions to increase sector or asset class weightings.
The Advisor may recommend employing cash positions as a possible hedge against market movement.
Paradiem may recommend selling positions for reasons that include, but are not limited to, harvesting capital
gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or
overweighting of the position[s] in the portfolio, change in risk tolerance of Client, generating cash to meet Client
needs, or any risk deemed unacceptable for the Client’s risk tolerance.
Prior to rendering investment advisory services, Paradiem will ascertain, in conjunction with the Client, the
Client’s financial situation, risk tolerance, and investment objective[s]. Paradiem will provide investment
Page 9
advisory and related services. At no time will Paradiem accept or maintain custody of a Client’s funds or
securities. All Client assets will be managed within their designated account[s] at the Custodian, pursuant to the
Client investment advisory agreement.
Prior to engaging Paradiem to provide investment advisory services, each Client is required to enter into one or
more advisory agreements with the Advisor that define the terms, conditions, authority and responsibilities of
the Advisor and the Client.
At no time will Paradiem accept or maintain custody of a Client’s funds or securities, except for the limited
authority as outlined in Item 15 – Custody. All Client assets will be managed within the designated account[s] at
the Custodian, pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices.
These services may include:
• Establishing an Investment Strategy – Paradiem, in connection with the Client, will develop a strategy
that seeks to achieve the Client’s goals and objectives.
• Asset Allocation – Paradiem will develop a strategic asset allocation that is targeted to meet the
investment objectives, time horizon, financial situation, and tolerance for risk for each Client.
• Portfolio Construction – Paradiem will develop a portfolio for the Client that is intended to meet the
stated goals and objectives of the Client.
• Investment Management and Supervision – Paradiem will provide investment management and ongoing
oversight of the Client’s investment portfolio.
Retirement Plan Accounts – When deemed to be in the Client’s best interest, the Advisor will recommend that a
Client roll over its retirement plan account into an account managed by the Advisor. In such instances, the
Advisor will serve as an investment fiduciary as that term is defined under The Employee Retirement Income
Security Act of 1974 (“ERISA”). Such a recommendation creates a conflict of interest as the Advisor will earn a
new (or increase its current) advisory fee as a result of the rollover. No client is under any obligation to roll over
retirement plan assets to an account managed by the Advisor.
Paradiem does manage a wrap fee program. For certain Clients, the Advisor will include the securities
transaction fees together with investment advisory fees to provide the Client with a single, bundled fee structure.
Including these fees into a single asset-based fee is considered a “Wrap Fee Program”. The Advisor customizes
its investment management services for its Clients. The Advisor sponsors the Paradiem Wrap Fee Program solely
as a supplemental disclosure regarding the combination of fees. Depending on the level of trading required for
the Client’s account[s] in a particular year, the Client may pay more or less in total fees than if the Client paid its
own transaction fees. Please see Appendix 1 – Wrap Fee Program Brochure, which is included as a supplement
to this Disclosure Brochure.
As of December 31, 2023, the Advisor manages $420,418,130 in Client assets, $412,471,939 of which are managed
on a discretionary basis and $7,946,130 on a non-discretionary basis.
In addition, as of December 31, 2023, the Advisor also has $379,664,491 in assets under advisement (“AUA”), attestable to
ongoing consulting services provided to Clients of the Advisor. Clients may request more current information at any time
by contacting the Advisor.
Page 10