About – PerfectusAssetManagement.com

About US

Working With Us

Client Experience

Some cookie-cutter firms or robo-advisors will base your asset allocation primarily from your age and a risk score generated by a short quiz. However, effective asset allocation is more complex and requires an understanding of a client’s overall financial picture.

Uncertainty about how that shift will work and how much income will be available is a source of stress for many investors. A simple, straightforward retirement plan can help put investors on the right track to feel confident about their golden years. Basic retirement planning is included in our fee for our services to you as your financial advisor

Our investment professionals take a wholistic approach to getting to know you both personally and financially, so we can develop the right plan for you and match that plan with the appropriate investment portfolio.

From the moment you sit down with one of our advisors, we begin getting to know you and shaping our relationship with you. Our process helps us customize this relationship for your needs.

1. The Interview Process: Getting to know you, your preferences, goals, and experiences. Understanding your entire financial picture helps us better serve your needs.

2. Risk Tolerance Questionnaire: Understanding your comfort level with short-term market risk and generating a risk score.

3. Balancing Longevity Risk: We use a Monte Carlo simulation to stress test your portfolio’s long-term performance under different market conditions.

4. Recommendation: We create and present an investment portfolio based on the information we’ve obtained throughout the process. The goal is to balance your risk tolerance with your longevity risk to optimize the success of your plan. We may make some changes based on your feedback and preferences before settling on the right plan.

5. Implementation: Once you feel comfortable with your investment plan, we will prepare your accounts and implement the allocation

6. Review and Update: We’ll reach out to you frequently to discuss changes we’re making to the investments in your portfolio and our forward-looking expectations. Once a year, we ask you to spend a little more time with us to make sure we are still on track to meet your goals and make sure we adjust your portfolio if your circumstances change.

Our Purpose

who we are and how we got here

A Brief History

Jeff Severin began his career in financial services in the early 1990s. He had great success in selling mutual funds and insurance products at a large global firm, which led the firm to mentor him on the nuts and bolts of those products. He participated in investment meetings with mutual fund managers and meetings on how their insurance products worked. As Jeff became more involved in the firm, he saw some glaring pitfalls to using products like mutual funds and annuities.

1. It’s difficult to achieve a properly diversified portfolio using mutual funds because many different fund strategies tend to invest in the same securities. Also, many investors don’t even know what their fund owns beyond top ten holdings.

2. Mutual fund prices may not always accurately reflect the value of the underlying securities, creating another level of risk for investors.

3. Mutual funds contain hidden expenses (buried in the prospectus) related to trading and tax drag within the fund, which increase with fund “redemptions.” This means investors who stick with the fund help pay for trading costs and taxes generated by investors who leave the fund.

learn more about our investment philosophy & current events

Separately Managed Accounts (SMAs) offer the potential for better transparency and a more efficiently diversified portfolio.

Learn why interest rates continue to rise even though the Fed cut rates in September… and how a portfolio manager can help you reduce interest rate risk.

Tailored Investment Portfolio

Feeling a little stressed about retirement? Learn how Severin Investments can help you plan for confidence.

You can book online or call our office at 866-983-2707.