Scipio Financial LLC

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Client assets under management

$13,400,000

Clients

171

0% high-net-worth

Advisors

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

High

Average account size

$78,363

About

Scipio Financial provides discretionary investment management, financial planning, and retirement-account advice primarily to trusts, estates, small businesses and corporations rather than to retail individual households. Its brochure describes services for individuals as part of its offering, but the firm’s client mix is notable for the absence of both non‑high‑net‑worth and high‑net‑worth individual clients.

The firm constructs customized portfolios that rely mainly on exchange‑traded funds and individual equities, with individual bonds or other instruments used as appropriate; its approach is generally long‑term while allowing shorter‑term trades for rebalancing, tax‑loss harvesting or cash needs. Accounts are managed on a discretionary basis with continuous client contact and formal reviews at least annually, and the adviser describes a fiduciary duty and internal due‑diligence processes for investment selection.

Distinctive aspects include its recent registration as an investment adviser (registered in February 2025) and a small, two‑advisor operating model managing roughly $14.2 million in client assets, plus an institutional relationship with a custodial platform that provides software and support. The brochure also discloses that advisory personnel are licensed to sell insurance and may receive commission compensation, and that the firm offers financial planning on hourly or fixed‑fee terms and may retain legacy positions for tax or portfolio‑fit reasons.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Wealth management Retirement plans for business owners (SEP, solo 401k) General retirement planning Life insurance needs analysis

Occupation focus

Founder/Business Owner

Fee options

Fixed

Fixed fees negotiated per engagement based on expected hours

Percentage

$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.90% $2,000,001 - $3,000,000: 0.80% $3,000,001 - $5,000,000: 0.70% Over $5,000,000+: Negotiable

Project-based

$250 per hour

Other

Fee-only: Hourly fees at $250 per hour; fixed fees negotiated based on expected hours

Main office location

Scipio Financial LLC

700 Nexton Square Drive, Box 2

Summerville SC 29486, United States

Number of offices

Most active in

North Carolina · South Carolina

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook Instagram YouTube Website (843) 830-0019

Advisors at this firm

John W

Series 66

Summerville, SC

Scipio Financial LLC

John Weishar is a financial advisor at Scipio Financial LLC with five years of industry experience. He holds a Series 66 designation and has previously worked at Kovack Securities, Kovack Advisors, Primerica Advisors, and Edward Jones. Outside of advising, he is a senior account executive at TradePending, a software-as-a-service company. Scipio Financial LLC provides discretionary investment management and financial planning services primarily to individuals, high-net-worth clients, trusts, estates, and small businesses. The firm utilizes customized portfolio construction focused on exchange-traded funds and individual equities, applying fundamental, technical, and cyclical analysis with a long-term orientation supplemented by shorter-term trading as needed.

Wealth management Retirement plans for business owners (SEP, solo 401k) General retirement planning Life insurance needs analysis Founder/Business Owner

Terry S

Series 63, Series 65

Summerville, SC

Scipio Financial LLC

Terry Scipio is a financial advisor at Scipio Financial LLC with 14 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Kovack Advisors, LPL Financial, Primerica Advisors, Guardian Life Insurance Company, and Northwestern Mutual Investment Management. He is also a licensed insurance agent involved in insurance sales and implementation. Scipio Financial LLC provides discretionary investment management and financial planning services to individuals, high-net-worth clients, trusts, estates, and small businesses. The firm constructs customized portfolios primarily using exchange-traded funds and individual equities, applying fundamental, technical, and cyclical analysis with a long-term orientation complemented by shorter-term trading as needed.

Wealth management Retirement plans for business owners (SEP, solo 401k) General retirement planning Life insurance needs analysis Founder/Business Owner

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