Severn Financial Advisors, LLC

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Client assets under management

Clients

Advisors

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Very Low

Average account size

—

About

Severn Financial Advisors, LLC provides financial planning and consulting services to individuals, families, businesses, trusts, and estates, delivering written or verbal plans tailored to each client's situation. The firm emphasizes a fact‑finding process and uses third‑party planning tools to develop recommendations on topics such as retirement, tax, estate, and cash‑flow planning.

Advisory work typically involves multiple meetings to gather information and present a customized plan; the firm does not provide discretionary asset management or custody of client assets itself. Implementation of investment recommendations is offered through the advisory representatives in their separate capacity with an unaffiliated broker‑dealer/adviser, and clients may choose whether to use those implementation services.

Compared with peers in the investment‑manager category, Severn’s pricing model is distinctive: it offers fixed‑fee and hourly planning engagements rather than charging fees based on a percentage of assets under management. The brochure also discloses the firm’s reliance on its representatives’ separate brokerage/advisory roles for implementation and associated conflicts of interest, and notes the firm does not accept custody or performance‑based fee arrangements.

Client services

Financial planning

Expertise

General retirement planning General tax planning General estate planning guidance College savings (529s, UTMA, etc.)

Fee options

Fixed

Fixed fees for Personal Financial Profile ($500 - $750) and Personal Financial Analysis ($1,000 - $4,000) payable upon execution of the advisory agreement

Commissions

Advisory Representatives may receive commissions and 12b-1 fees from implementing recommendations through Commonwealth Financial Network

Project-based

Hourly fee range from $100 to $200 per hour for limited consulting services

Other

Fee-only: Fixed fees ranging from $500 to $4,000; hourly fees from $100 to $200 per hour

Main office location

Severn Financial Advisors, LLC

1610 West Street, Suite 105

Annapolis MD 21401, United States

Number of offices

Most active in

Maryland

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 Website 410-266-7100

Advisors at this firm

Stephen J

CFP®, Series 63, Series 65

Annapolis, MD

Severn Financial Advisors, LLC

Stephen James is a CFP® professional with 39 years of industry experience. He is a principal at Severn Financial Advisors, LLC, where he has worked since 2009. Prior to that, he held roles at Cambridge Investment Research Advisors and Commonwealth Financial Network. Severn Financial Advisors, LLC provides financial planning and consulting services tailored to individuals, families, businesses, trusts, and estates. The firm focuses on a fact-finding process and uses third-party planning tools to develop recommendations on retirement, tax, estate, and cash-flow planning, offering fixed-fee and hourly engagements rather than asset-based fees.

General retirement planning General tax planning General estate planning guidance College savings (529s, UTMA, etc.)

Carly J

Series 66

Annapolis, MD

Severn Financial Advisors, LLC

Carly James is a financial advisor with Severn Financial Advisors, LLC, holding a Series 66 designation and four years of industry experience. Prior to joining Severn Financial Advisors, she worked with Commonwealth Financial Network and has experience with the United Nations Foundation. Outside of her advisory role, she is a certified yoga teacher affiliated with Yoga Factory, LLC. Severn Financial Advisors, LLC provides financial planning and consulting services to individuals, families, businesses, trusts, and estates. The firm focuses on a fact-finding process and uses third-party planning tools to create customized recommendations on retirement, tax, estate, and cash-flow planning.

General retirement planning General tax planning General estate planning guidance College savings (529s, UTMA, etc.)

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