Scipio Financial LLC

Scipio Financial provides discretionary investment management, financial planning, and retirement-account advice primarily to trusts, estates, small businesses and corporations rather than to retail individual households. Its brochure describes services for individuals as part of its offering, but the firm’s client mix is notable for the absence of both non‑high‑net‑worth and high‑net‑worth individual clients.

The firm constructs customized portfolios that rely mainly on exchange‑traded funds and individual equities, with individual bonds or other instruments used as appropriate; its approach is generally long‑term while allowing shorter‑term trades for rebalancing, tax‑loss harvesting or cash needs. Accounts are managed on a discretionary basis with continuous client contact and formal reviews at least annually, and the adviser describes a fiduciary duty and internal due‑diligence processes for investment selection.

Distinctive aspects include its recent registration as an investment adviser (registered in February 2025) and a small, two‑advisor operating model managing roughly $14.2 million in client assets, plus an institutional relationship with a custodial platform that provides software and support. The brochure also discloses that advisory personnel are licensed to sell insurance and may receive commission compensation, and that the firm offers financial planning on hourly or fixed‑fee terms and may retain legacy positions for tax or portfolio‑fit reasons.