What We Do
We Believe
You Deserve More
Here at PAX Financial Group, we offer a full-service approach to our client’s needs, including financial assessments to see their financial standing, retirement planning, investment management, and advice on insurance and personal finance questions.
We believe in giving back to the community, while also incorporating Christian values throughout our organization. It is our desire to partner with clients to execute an effective strategy based on their values to achieve what they find most important and most meaningful.
Client Testimonials*
Peace of mind
“My wife and I have been guided by 2 different advisors at PAX, and both have been exceptional. The session in which we were asked to place our financial priorities in order from top to bottom was enlightening and encouraging. We learned that our risk tolerance was very similar and subsequent investment strategies were developed with those preferences in mind. Over several years, we have called or emailed with questions when we read or hear something, and always receive thoughtful, incisive guidance. Often, the suggestion/advice we asked about was very appropriate for the friend who offered the advice, but clearly did not fit our situation and unique "financial personalities". We arrived at PAX with Dave Ramsey financial planning and a savings plan firmly in place, but we were pleased to learn of better options to tweak our investments. Best of all, our sophomoric questions that were handled with patience and we learned a lot. We believe our financial future is all up to God, but that we are confident we are being good stewards of His resources with guidance from PAX. We couldn’t be more pleased.”
Financial Success
“I was one of the first customers with Pax Financial. Darryl and I went to church together even though we had never met. I began investing money through Pax and i have benefitted greatly. My husband had an oil field company which was growing. Pax Financial began to grow and i consider it very successful now.
We have enjoyed getting to know Darryl and his family over the years. We have attended events at Pax Financial and Darryl and his wife have attended several events with us.
I have enjoyed and trusted everyone I have worked with. I have benefitted financially from their service and advise.
I would strongly advise doing business with them. You won’t be disappointed.”
Financial Planning with a Company Who Truly Cares About Their Clients
“My wife and I have used PAX for over 20 years. Darryl Lyons and his team are highly skilled, professional and approach their clients with a hands on personal touch! The actual services are matched specifically to each client. We set our financial plan for our future and PAX was there every step of the way until my retirement. I have since lost my dear wife, who actually was the financial strength of my family. What she and PAX laid out for our financial security has allowed my family and me to move on with the confidence that all will be ok. During the good and yes the challenging times, Darryl and PAX has been there for us, not only with financial guidance, but with the strength of a company based on strong Christian values.”
Financial Planning & Guidance
“I appreciate PAX financial planning and guidance for the last 10 years upon retirement. My only regret is not finding PAX sooner through Dave Ramsey.”
Trustworthy and Highly Recommend
“We found PAX, a Dave Ramsey ELP, many, many years ago, and we have never regretted our decision to have PAX manage our finances and help us achieve our retirement goals. David Alvarez has been wonderful to work with; he reaches out to us regularly to ask if we have any questions or have concerns. With the market being so volatile these days, it’s reassuring to us that our portfolio is being managed so well. We have complete confidence is David’s ability and expertise to continue to provide exceptional service to us and keep us informed and provide recommendations for our portfolio. We have no qualms in highly recommendation PAX and David to anyone needing a personal financial advisor.”
The guidance we needed when we needed it!
“We have been working with Joseph and Pax for at least 15 years. We began as a young married couple with a 2-year-old and Joseph guided us given the means we had to purchase life insurance and start a college fund for our little guy. Since then Joseph and the rest of the team have been very helpful in giving us options to make sure we can support our boys while in college as well as ourselves with the type of retirement we want to experience. Joseph and the team show such care for us and our family. I continue to recommend Pax anytime anyone asks about financial advisors!”
The right stuff !
“I engaged PAX Financial to handle my retirement funds over 20 years ago. As a result, despite the ups and downs of the market, in retirement and I have not had the burden of worrying about my finances being in good hands. It’s a great feeling to know that my hard earned savings are safe, protected, and in good hands. It’s a blessing to have this fiduciary relationship with PAX.”
*The opinions expressed by clients are not endorsed by Pax Financial Group and may not reflect the views expressed by other clients. Depending on the facts and circumstances, public commentary made directly by a client about their own experience with, or endorsement of, an investment adviser, their personal investments, or their approval of Pax Financial Group is considered a testimonial. Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are unsolicited, and no cash or non-cash compensation is provided to any client. Pax Financial Group pays WealthTender for marketing services and to make accessible to the general public the testimonials posted to its website.
You have questions, we have answers
Here are some typical questions or concerns that we help our clients answer as they pursue financial freedom:
In most cases, the earliest one can start to receive their social security payment is 62. If the goal is to get the largest amount, then delay starting payment until age 70. The benefit amount will increase each year by 8%. Another important factor to consider is life expectancy. How long does one expect to live after age 62? If family history for life expectancy after age 62 is short, then starting earlier may be better. However, careful consideration should be given when starting social security payments before reaching Full Retirement Age. If a spouse chooses this course of action and then predeceases their partner, the benefit of the surviving spouse will be less than what it would have been had they waited to start their payments at Full Retirement Age. Because of the many nuances that exist when selecting when to start taking Social Security, consulting an experienced social security advisor can be well worth the expense.
Because everyone’s situation, goals, values, and life events are different,the answer to this question is one of the primary reasons for working with a financial advisor. Look for an advisor who has a good reputation and clean record with their regulatory agency. And look for the same good reputation and clean record with their firm. A good financial plan from a trustworthy advisor and firm is well worth the expense and confidence that will follow the planning experience.
While inflation gets a great deal of attention in the press today as a destroyer of businesses and personal plans, there are other more important factors that are within the control of the individual or family that can mitigate the impact of inflation on a goals to stop working. For example, a plan that is built on spending less than one earns, consistent giving of 10%, saving 15% a year, and investing wisely a part of that 15% are all ways to lessen the impact of inflation and earn the wealth to enable you to stop working when you decide.
Yes, there are ways to reduce your tax liabilities. Once you have utilized them then what is left is your tax liability. Paying income taxes is not a bad thing. It means you have income and income is a good thing. Paying more than what you owe in taxes is undesirable and can be avoided by working with a good financial advisor. One of the tasks of a good financial advisor is to design effective tax optimization strategies that minimize income taxes over the long term.
There are more than a few factors that need to be considered before answering this question. Your risk tolerance needs to be determined. Then consideration of your long-term goals and income plans after you retire is critical. What is your net worth? What is your risk exposure when all your investable assets are viewed as one portfolio? What is your intended emergency fund and cash position you plan to have when you retire? Do you have major expenditures or travel plans when you retire? What will be the income you plan to withdraw annually from your portfolio? Correct portfolio allocation today is impacted by income goals, budgeted expenses, investable assets, and long-term plans of tomorrow. The 5 years before retirement and 5 years after retirement are the 10 most important years of financial planning in the life of an individual or couple. We call this the PIVOT window. The best advice I can give to anyone entering or already in this 10-year PIVOT window is to hire a financial advisor with a good reputation who works for a firm with a good reputation. You will be glad you did!
