Severn Financial Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Fee options
Fixed fees for Personal Financial Profile ($500 - $750) and Personal Financial Analysis ($1,000 - $4,000) payable upon execution of the advisory agreement
Advisory Representatives may receive commissions and 12b-1 fees from implementing recommendations through Commonwealth Financial Network
Hourly fee range from $100 to $200 per hour for limited consulting services
Fee-only: Fixed fees ranging from $500 to $4,000; hourly fees from $100 to $200 per hour
Main office
1610 West Street, Suite 105
Annapolis MD 21401
Advisors at this office
2
Most active in
Maryland
Also doing business as
Severn Financial Advisors, LLC · Stephen I. James And Associates, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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 currently with Severn Financial Advisors, LLC, where he has worked since 2009, and has prior experience at Commonwealth Financial Network and Cambridge Investment Research Advisors. Severn Financial Advisors, LLC provides financial planning and consulting services to individuals, families, businesses, trusts, and estates, focusing on tailored written or verbal plans developed through a detailed fact-finding process using third-party planning tools. The firm offers fixed-fee and hourly planning engagements and does not provide discretionary asset management or custody of client assets.
Carly J
Series 66
Annapolis, MD
Severn Financial Advisors, LLC
Carly James is a financial advisor at Severn Financial Advisors, LLC with five years of industry experience. She holds a Series 66 designation and previously worked at Commonwealth Financial Network and Independent Financial Partners. Outside of financial advising, Carly 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 uses a fact-finding process and third-party tools to develop tailored plans on retirement, tax, estate, and cash-flow topics, offering fixed-fee and hourly planning engagements rather than asset-based fees.
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