About Oracle Financial Planners LLC

As the founder of Oracle Financial Planners, John Severy-Hoven prides himself on assisting clients in every aspect of their financial lives so that they can prepare for what their future holds -- retirement, children's education, buying a new home. John helps you build and maintain your financial vision toward the future, your future.

General Information Years of Experience in Financial Services:    6 Gender:    Male CRD#:    4495513 Firm CRD#:    39543 States Licensed in:    CA, CO, GA, HI, MD, MN, NC, WA, WI Name of Custodial Firm:    Fidelity Institutional Number of Years with Current Firm:    5 Insurance License#:    20327395 Work with the following types of clients:    Investment Clubs, Businesses, Individual Investors, Non-Profit Organizations Name of Broker/Dealer:    Cambridge Investment Research Advisory Services Provided:    Financial Planning for Individuals, Education Funding and Planning, Risk Management, Money Management, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Investment Advice & Management, Financial Advice & Consulting

Services Investment Types:    Mutual Funds, Bonds, Stocks, Annuities, Insurance, Commodities, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI) Can meet clients in the following ways:    Your Office, Email, Phone, Our Office, Your Home

Qualifications & Memberships Certifications, Accreditations & Designations:    CFP®, MBA Securities Licenses:    Series 7, Series 66 Insurance and Annuity Licenses:    Variable Life, Long Term Care, Variable Annuity, Life, Annuity Financial Organization Memberships:    Financial Planning Association (FPA), Social Investment Forum (SIF)

Compliance Criminal Disclosures in Last 5 years:    Have a clean record Compliance Disclosures in Last 5 years:    Have a clean record Investment Advisor Representative:    Yes

Compensation and Fees Minimum Portfolio Size for New Managed Accounts:    $50,000 Fee Structure:    Fee-Based

Frequently Asked Questions

Q.	What are your qualifications? What is your education background?

Q.	How are you compensated? How will I pay for your services?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	Have you ever been charged with any breaches?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	Why should I choose you as my financial advisor?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	Do you have a minimum requirement for number of employees or total investment value?

Q.	What are your qualifications?

Q.	What is your approach to 401 K plan rollovers?

Q.	How long does the process of rolling over a 401K plan usually take?

Q.	What financial institutions do you represent?

Q.	How many years of experience do you have?

Q.	What are your fees for this service?

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Q.	What are your qualifications? What is your education background?
I have two master's degrees (an MBA with an investment finance focus and a Masters of Arts for counseling psychology). I have a CFP® designation (CERTIFIED FINANCIAL PLANNER™). In 2008 and 2009 I was named as a 5-star Wealth Manager based on Client Satisfaction according to the Minneapolis/St. Paul Magazine and Minnesota Business Monthly.

Q.	How are you compensated? How will I pay for your services?
My business is fee-based.

Q.	How many clients do you currently manage?
I have worked as a financial planner for 6 years and owned Oracle Financial Planners for 5 years. I currently work with about 100 clients (measured by the number of families I work with and the number of employer sponsored retirement plans as well).

Q.	Will you be the only person working with me?
Along with my two assistants.

Q.	Have you ever been charged with any breaches?
No.

Q.	What is your approach to financial planning?
To serve as an objective third party to assist in managing the overall investment process. Following a disciplined investment process consisting of: The preparation and maintenance of an investment policy statement. Selecting investments and asset classes that ensures prudent diversification. Managing expenses associated with the Portfolio.

Q.	What services do you offer?
Comprehensive Financial Planning with a focus on retirement planning.

Q.	Why should I choose you as my financial advisor?
To serve as an objective third party to assist in managing the overall investment process. Following a disciplined investment process consisting of: The preparation and maintenance of an investment policy statement. Selecting investments and asset classes that ensures prudent diversification. Managing expenses associated with the Portfolio. Monitoring and supervising investment options.

Q.	What services do you provide? What are your specialties?
I provide comprehensive financial planning services. Most of the time I manage the clients' money on their behalf but I also work with people who would like to have an annual consultation and then manage the money themselves.

Q.	What is your experience? How many clients do you currently manage?
I have worked as a financial planner for 6 years and owned Oracle Financial Planners for 5 years. I currently work with about 100 clients (measured by the number of families I work with and the number of employer sponsored retirement plans as well).

Q.	What financial institution(s) do you represent?
None. I am independent.

Q.	Do you have a minimum requirement for number of employees or total investment value?
No. I work with small company retirement plans so I have maximums though. I will work with companies with up to 500 employees.

Q.	What are your qualifications?
I work exclusively with small business retirement plans from one-person retirement plans to 401k/pension plans with up to 500 employees.

Q.	What is your approach to 401 K plan rollovers?
I customize the plan to meet the employers' and employees' needs while trying to provide as much flexability in investment options while also keeping costs to a minimum.

Q.	How long does the process of rolling over a 401K plan usually take?
Typically 2-4 months.

Q.	What financial institutions do you represent?
None. I am independent.

Q.	How many years of experience do you have?
6

Q.	What are your fees for this service?
It depends on the assets in the plan and the number of participants.