Real Financial Planning for Families Who've Built Real Wealth — Without Paying More Just Because They Have.
Sevey Wealth serves Texas families — typically with $2 million to $20 million in wealth — who are done with generic advice, AUM fees that grow with their portfolio, and advisors who hand them off to a junior team after onboarding.
If you want a flat-fee, fiduciary advisor who acts as a true partner — someone who explains the tradeoffs, connects your taxes, investments, estate, and retirement into one coherent plan, and actually answers the phone — you're in the right place.
You Might Be a Good Fit If...
Our clients aren't all the same — but they think similarly:
You've accumulated meaningful wealth and want a plan that actually matches your situation — not a template.
You want a knowledgeable partner, but you're not looking to hand over full control — the final decisions are yours.
You want to understand why — not just be told what to do.
You're skeptical of the AUM model and don't think your advisor's fee should automatically grow just because your portfolio did.
You want a True Fiduciary; an advisor who puts your needs first.
You want taxes, investments, retirement income, and estate plans working together — not managed in separate silos.
Which One Are You?
You've Managed It Yourself — But the Complexity Has Outgrown the Spreadsheet
Many of our clients were self-directed investors for years. Smart, disciplined, well-read. But at some point the complexity crosses a threshold:
Multi-account coordination — IRAs, 401(k)s, taxable accounts, maybe a business
Tax decisions that interact — Roth conversions, capital gains timing, IRMAA thresholds
Retirement income sequencing — when to pull from what, and how to minimize taxes over decades
Nagging questions: 'Am I missing something? Is my risk actually calibrated? Do I have blind spots?'
We work well as a second set of expert eyes — or as a full planning partner if you're ready to delegate the heavy lifting. Either works.
Already Have an Advisor — But Wondering What You're Actually Paying For?
A lot of our clients come from traditional AUM relationships. They were fine at first. But over time, they started noticing:
Their fee went up as their portfolio grew — without a clear reason
They got a generic model portfolio that looked like everyone else's
Their advisor moved on or handed them off to a junior associate
Planning conversations were surface-level — no real tax or retirement income depth
At Sevey Wealth, you pay a flat annual fee — around $10,000/year, billed quarterly — regardless of how much your portfolio grows. You work directly with Sean, always. And planning is the whole job, not a side feature of managing your money.
Navigating a Major Transition — Retirement, Divorce, Inheritance, or Business Sale
Some clients come to us at a turning point. The financial picture has changed — suddenly or gradually — and they need someone who can help them see the full picture fast and make confident decisions while things are still in motion.
We regularly work with Texas families facing:
• Retirement or near-retirement — income sequencing, Medicare planning, Social Security timing
• Divorce — asset division, QDRO handling, rebuilding a standalone financial plan
The Problems We're Built For
Whether you're planning, transitioning, or catching up on what was never fully addressed, these are the areas where clients most often come to us for help:
Retirement Income Planning: Stress-tested, scenario-driven retirement plans — not rule-of-thumb guesses. When can you retire? What will you draw, from where, in what order?
Tax-Aware Investing & Planning: Roth conversion strategies, tax-loss harvesting, bracket management, IRMAA awareness, and tax-efficient drawdown sequencing across accounts.
Estate & Legacy Coordination: Beneficiary alignment, trust and estate structure review, charitable giving strategy, and family alignment across generations.
Portfolio Oversight: Risk alignment, concentration management, rebalancing discipline, and behavior coaching — especially when markets give you reasons to second-guess the plan.
Multi-Generational Planning: Adult children of clients can be served at a reduced planning fee — keeping decisions coordinated across the family and avoiding the financial fragmentation that often happens between generations.
Sevey Wealth Isn't for Everyone — and That's Intentional
We're selective by design. The relationships that work best are those where planning is a priority — not an afterthought. If any of the following sounds like you, we're probably not the right fit:
• You're primarily looking for stock tips, tactical trading, or market predictions.
• You prefer an annuity-first approach or product-driven recommendations.
• Your situation is straightforward — a simple plan at lower cost is probably a better match.
If none of that is you — and you're ready for a planning relationship built around your actual situation — we'd love to talk.