Flat-Fee Financial Advisor in Austin, TX: What We Do Differently

Most financial advisors in Austin charge a percentage of your portfolio. It sounds small — 1% — until you do the math. On a $3 million portfolio, that's $30,000 a year, every year, whether markets go up or down.

At Sevey Wealth Advisors, we charge a flat $10,000 per year. That's it. No percentage, no hidden fees, no surprises at the end of the quarter.

The Problem With the Way Most Advisors Get Paid

The traditional AUM model — where your advisor earns more as your portfolio grows — sounds like alignment. In reality, it creates a subtle conflict. The bigger your balance, the more they make, which means the incentive is to keep assets under management, not necessarily to do what's best for your situation.

Think about what that means in practice. Should you pay off your mortgage early? Move money to a HELOC? Use cash reserves instead of your portfolio for a large purchase? Each of those decisions could reduce the balance your advisor manages — and the fee they collect.

We don't have that problem. Our fee is the same whether you have $2 million or $12 million.

What Flat-Fee Actually Means for You

When your advisor doesn't benefit from the size of your portfolio, the advice changes. We can look at every option objectively — including the ones that might reduce your investable assets. That's what fiduciary really means in practice.

It also means you always know what you're paying. No calculations required, no surprises, no wondering if a recommendation was made because it was right or because it was profitable. You get a number, and that number doesn't move.

For high-net-worth households in Austin — retirees, business owners, people in financial transition — that clarity is worth a lot.

What We Do Differently Beyond the Fee

We don't use model portfolios. Every client at Sevey Wealth gets a custom investment strategy built around their specific goals, timeline, and tax situation. We don't pull a 60/40 template off the shelf and call it personalized.

We also think about what you keep, not just what you earn. Tax planning, withdrawal sequencing, Roth conversion strategies, asset location — these are built into how we manage portfolios, not optional add-ons. Over a 20 or 30-year retirement, the difference can be significant.

And we structure retirement income using a three-bucket approach — money you need now, money you need soon, and money that's working long-term. It's a framework designed to keep you from making emotional decisions during volatile markets, because the money you need in the next two years isn't in the market.

Who This Is For

Sevey Wealth works with households in the $2 million to $20 million range — typically retirees or pre-retirees who have built real wealth and want an advisor who will protect it, grow it, and be straight with them about every decision. We're based in Austin and work with clients across Texas and beyond.

If you've ever looked at your annual statement and wondered what you actually paid your advisor last year — in real dollars — that question is worth answering. Most people are surprised by the number.

We offer a complimentary consultation for anyone who wants to have that conversation.

→ Schedule a call at seveywealth.com/contact