Q: Will you be the only person working with me?

Youll have a dedicated advisor who serves as your main point of contact and knows your financial plan in detailbut youll also have the support of our entire team. Youll also be assisted by client service advisors, office administrators, and trading specialists who work together to ensure every aspect of your financial life is managed with care and attention. This team-based approach allows us to deliver timely service, proactive communication, and coordinated expertiseso you always have access to the right people and resources when you need them.

Q: How much risk should I be willing to take?

Risk and reward go hand in handhigher potential returns typically come with greater short-term fluctuations, while lower-risk investments may offer more stability but slower growth. The right amount of risk is a personal decision that depends on your goals, time horizon, and comfort level with market volatility. Theres no one-size-fits-all answer. At Severin Investments, we take the time to understand your unique objectives and risk tolerance. Then, we design a custom investment plan that aligns with your financial goals and helps you stay confidentthrough both market ups and downs.

Question 1

Do you have a customer satisfaction or refund policy?

Accepted Answer

We refund any pre-paid but unearned advisory fees if a client terminates our advisory services. These fees are sent via check to the client's current address that we have on file. We do not guarantee any investment against risk of loss and do not make promises to clients about investment outcomes.

Question 2

Why should I choose you as my financial advisor?

Accepted Answer

At Severin Investments, we combine institutional-level investment management with personalized financial guidance tailored to your unique goals. Our team brings decades of experience helping families build and preserve wealth through all market conditions.

We believe successful investing starts with a disciplined, research-driven approach. Our investment strategies are designed to manage risk, adapt to changing markets, and align with your long-term objectivesnot short-term trends.

Equally important, we pride ourselves on exceptional client service. Youll have a dedicated advisor supported by a full team of client service professionals, portfolio analysts, and trading specialistsall focused on delivering proactive communication and ongoing support.

When you work with us, you gain more than an advisoryou gain a fiduciary partner committed to helping you make confident, informed financial decisions at every stage of life.

Question 3

What are your qualifications? What is your education background?

Accepted Answer

Our team at Severin Investments brings a strong combination of education, professional credentials, and decades of experience helping families achieve their financial goals.

All members of our advisory team hold FINRA Series 65 licenses, qualifying us to provide fiduciary investment advice.

Jeff Severin, MBA  Jeff holds a Master of Business Administration and has spent decades guiding families through comprehensive investment and retirement strategies.

Tess Severin Butler, JD  Tess is an attorney with extensive experience in financial planning, wealth management, and retirement income strategies.

Our team combines legal, financial, and investment expertise to deliver personalized financial plans and disciplined portfolio managementalways acting in our clients best interests.

Question 4

How do you charge for your services?

Accepted Answer

We charge a fee on the total amount of assets under management that is billed monthly on the average daily account balance for each month. We also charge fixed and hourly fees for financial planning-only clients.

Question 5

How are you compensated? How will I pay for your services?

Accepted Answer

The majority of our business is managing discretionary accounts.  We charge an annual fee based on assets invested with the firm.  This is billed monthly, and is based on the average daily account balance during the billing period. The fee comes out of your account monthly, and appears on your statement.

Question 6

If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Accepted Answer

In our managed accounts (discretionary), we have the ability to trade on your behalf as necessary.  Because each security in your account is intentionally selected as part of the larger portfolio, we only allow restricted securities on a case-by-case basis.

Question 7

How many clients do you currently manage?

Accepted Answer

The majority of our business is managing discretionary accounts.  We work with about 400 families. We would be happy to offer referrals from current clients with their permission.

Question 8

Will you be the only person working with me?

Accepted Answer

Youll have a dedicated advisor who serves as your main point of contact and knows your financial plan in detailbut youll also have the support of our entire team.

Youll also be assisted by client service advisors, office administrators, and trading specialists who work together to ensure every aspect of your financial life is managed with care and attention.

This team-based approach allows us to deliver timely service, proactive communication, and coordinated expertiseso you always have access to the right people and resources when you need them.

Question 9

Do you offer any guaranteed results?

Accepted Answer

No we do not.  There are risks involved with any investment.  Whether you are investing in stocks, bonds, mutual funds, annuities, currencies, etc., they all run the risk of losing money over time.  However, we will show you how properly diversifying your investments can reduce this risk to your portfolio.

Question 10

How much risk should I be willing to take?

Accepted Answer

Risk and reward go hand in handhigher potential returns typically come with greater short-term fluctuations, while lower-risk investments may offer more stability but slower growth.

The right amount of risk is a personal decision that depends on your goals, time horizon, and comfort level with market volatility. Theres no one-size-fits-all answer.

At Severin Investments, we take the time to understand your unique objectives and risk tolerance. Then, we design a custom investment plan that aligns with your financial goals and helps you stay confidentthrough both market ups and downs.

Question 11

Have you ever been charged with any breaches?

Accepted Answer

No.

Question 12

What are your management fees?

Accepted Answer

Our management fees depend on the size of the accounts and the services we are providing.

Question 13

What services do you provide?  What are your specialties?

Accepted Answer

Our specialty is active investment managementwe dont just set your portfolio and walk away. We continuously monitor market conditions, economic trends, and sector performance to make informed adjustments designed to help protect and grow your wealth through all market cycles.

In addition to active portfolio management, we also offer estate planning and financial planning services.

We specialize in working with individuals and families nearing or in retirement who value a hands-on, proactive approach to wealth management.

Our mission is to help clients stay confidently invested through changing marketsknowing their portfolios are actively managed and aligned with their long-term financial goals.

Question 14

What is your experience?  How many clients do you currently manage?

Accepted Answer

Our team at Severin Investments brings a strong combination of education, professional credentials, and decades of experience helping families achieve their financial goals.

All members of our advisory team hold FINRA Series 65 licenses, qualifying us to provide fiduciary investment advice.

Jeff Severin, MBA  Jeff holds a Master of Business Administration and has spent decades guiding families through comprehensive investment and retirement strategies.

Tess Severin Butler, JD  Tess is an attorney with extensive experience in financial planning, wealth management, and retirement income strategies.

Our team combines legal, financial, and investment expertise to deliver personalized financial plans and disciplined portfolio managementalways acting in our clients best interests.

Question 15

What financial institution(s) do you represent?

Accepted Answer

We are independent, which means we have no agenda to push one investment over another.

Question 16

What is your approach to financial planning?

Accepted Answer

Our approach to financial planning is comprehensive, personalized, and ongoing. We start by getting to know youyour goals, values, current financial situation, and the vision you have for your future. From there, we develop a customized financial plan that integrates all areas of your financial life, including investments, retirement income, tax strategies, and estate considerations.

But a financial plan isnt a one-time documentits a living plan. As life changes, your plan should change with it. Whether youre transitioning to retirement, selling a business, or welcoming a new grandchild, well regularly review and adjust your plan to keep you on track.

Our goal is to help you make informed financial decisions with confidencetoday and in the years ahead.

Question 17

What services do you offer?

Accepted Answer

We offer Financial Planning, Portfolio Management, Estate Planning, Roth Conversion strategies, social security planning, and more. In addition to individualized client services, we also offer turn-key asset management platforms for other advisory practices.

Question 18

What are your qualifications?

Accepted Answer

Our team at Severin Investments brings a strong combination of education, professional credentials, and decades of experience helping families achieve their financial goals.

All members of our advisory team hold FINRA Series 65 licenses, qualifying us to provide fiduciary investment advice.

Jeff Severin, MBA  Jeff holds a Master of Business Administration and has spent decades guiding families through comprehensive investment and retirement strategies.

Tess Severin Butler, JD  Tess is an attorney with extensive experience in financial planning, wealth management, and retirement income strategies.

Our team combines legal, financial, and investment expertise to deliver personalized financial plans and disciplined portfolio managementalways acting in our clients best interests.

Question 19

What is your approach to 401 K plan rollovers?

Accepted Answer

We review the current plan and determine whether a rollover to an IRA with our professional investment management and financial planning services would be in the client's best interest. Then we make a recommendation for the account.

Question 20

How long does the process of rolling over a 401K plan usually take?

Accepted Answer

Every 401(k) plan is different, so the timeline for a rollover can vary. If a direct rollover is possible and we can assist the client in initiating online or over the phone, the process could take as little as a week or two. Some plans require additional signed and notarized documents and can only complete indirect rollovers. These could take much longer-- up to a month.

Question 21

What financial institutions do you represent?

Accepted Answer

We are not affiliated with any other financial institutions. Our third-party custodians are Charles Schwab and Goldman Sachs Custody Solutions.

Question 22

How many years of experience do you have?

Accepted Answer

We have three decades of experience.

Question 23

What are your fees for this service?

Accepted Answer

Our management fees depend on the size of the accounts and the services we are providing.

Question 24

How many 401K rollover clients do you currently manage?

Accepted Answer

Many of our clients have completed 401(k) rollovers. We have decades of experience helping people rollover their retirement plans into managed accounts.

Question 25

Why should I roll over my 401K plan to your firm?

Accepted Answer

At Severin Investments, we combine institutional-level investment management with personalized financial guidance tailored to your unique goals. Our team brings decades of experience helping families build and preserve wealth through all market conditions.

We believe successful investing starts with a disciplined, research-driven approach. Our investment strategies are designed to manage risk, adapt to changing markets, and align with your long-term objectivesnot short-term trends.

Equally important, we pride ourselves on exceptional client service. Youll have a dedicated advisor supported by a full team of client service professionals, portfolio analysts, and trading specialistsall focused on delivering proactive communication and ongoing support.

When you work with us, you gain more than an advisoryou gain a fiduciary partner committed to helping you make confident, informed financial decisions at every stage of life.

Severin Investments, LLC

Our Team