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About Us

^{Our Mission}
Building Retirement Plans That Work Harder For You

Our mission at Sovereign is simple — build you a retirement plan that works harder for you. Paul Tarins, the president and founder of Sovereign, began his financial services career over two decades ago, working at both major financial institutions and smaller boutique firms.

This experience developed into a vision of owning a business focused solely on providing honest, independent financial advice. Our philosophy is to utilize a wide variety of financial products and services with a focus on cost efficient portfolios, asset distribution, and wealth preservation.

Paul's independence is vital to delivering objective, unbiased recommendations. He specializes in creating customized strategic retirement plans unique to each client.

^{Our Values}
The Principles That Guide Everything We Do

Our values are the foundation of every recommendation we make and every plan we build — for every client, every time.

Truly Independent

We act truly independently in all of our advice. No one dictates the products and strategies that we recommend — our only allegiance is to you.

Unbiased Opinions

We form a unique outlook for you based solely on your data and our knowledge. Our recommendations are never influenced by outside interests.

Simplicity in Approach

There's no reason to complicate information or advice. We make it simple to understand where you stand and where we want to take you.

Custom Planning

We are goal based. We break down your vision and create individual plans for each aspect, based on funding needs and timing — revisited as your vision changes.

^{Meet Your Advisor}
Paul Tarins

Owner & President

I've been a resident of central Florida for over thirty years. I received my bachelor's in economics from Florida State University and have been here ever since.

As I was building my career, I worked at major financial institutions and smaller boutiques. These experiences provided me with a comprehensive framework to understand the economics of investing through market cycles, and the practical financial knowledge of the strategies and instruments — the nuts and bolts — that can be deployed to create and maintain wealth.

The only thing that was missing was independence. I wanted to be able to provide my clients with advice that was built on their financial situations and needs, without having to answer to anyone else for the investments I recommend.

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^{Our Process}
Our Approach
to Retirement Income

You’ve spent a career generating income. Now it’s time for your accumulated wealth to generate that income for you. We create plans that help you address your goals, the rising cost of living, how your investments need to change as you age, and any programs you should be using to your advantage.

OUR GOAL IS TO ANSWER THE BIGGEST QUESTIONS, INCLUDING:

What is your yearly, required income?

Annual required income is the starting point – but that isn’t always obvious. We begin by documenting all current and future expenses anticipated to find a yearly number.

What is your discretionary income? How about non-discretionary?

Discretionary is must-have income. This is all your expenses that must be provided for first. These expenses include household living expenses such as electric, water, food, taxes, and health insurance.
Non-discretionary are wants and wishes. Vacations, gifts, charitable giving, and loans to family members are some non-discretionary expenses.

If you are married, how will a change in life status affect your income needs?

Unexpected death or divorce can really impact your plan and possible success in sustainable income during retirement. Understanding social security claiming strategies and possible pension options are critical to your long-term planning.

Do you want a cost of living allowance included in your future budget needs?

Not planning for rising costs of basic living and health care can really catch up to you when looking 20-30 years forward in retirement. Planning for rising costs must be considered.

How will taxes change and how will this affect me?

Future taxes are unknown, but proper tax planning that maximizes the advantages of strategies that are currently available is an important part of a strategy that keeps your income in your pocket.

While all of these ideas go into the planning of your future retirement goals, it is important to note that in order to keep you on track, these plans need monitoring to make sure your long-term needs can be reached.

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Our MissionBuilding Retirement Plans That Work Harder For You

Our ValuesThe Principles That Guide Everything We Do