For over two decades, Michael Calabrese has been a steadfast guide in the complex world of financial planning. As a CERTIFIED FINANCIAL PLANNER™ and the founder of Severn Financial Solutions, LLC, Mike has dedicated his career to providing clients with the tools and strategies they need to navigate life’s financial twists and turns. Yet, for him, success isn’t just about numbers—it’s about people.

“We don’t just crunch numbers or make investment recommendations,” Mike explains. “We build relationships. Every client is known and valued, and that personalized approach is at the heart of everything we do.”

Born outside of Philadelphia, Michael grew up immersed in a culture of hard work and service. His father’s service as a gastroenterologist in the Air Force brought the family to Maryland, where they eventually put down roots in Annapolis. The entrepreneurial spirit of his parents and close family friends inspired Mike to chart his own course.

After earning his CFP® and Enrolled Agent (EA) designations, Mike launched Severn Financial Solutions, LLC, a comprehensive financial services firm based in Annapolis. The services offered through the firm include investment planning, retirement planning, tax planning and preparation, and insurance brokerage for life, disability, and long-term care.

“Our motto is simple: ‘Do what you say… Say what you do,’” Mike shares. “It’s all about accountability, communication, and honesty. These values aren’t just principles; they’re promises we make to every client.”

Mike’s dedication to providing a holistic and client-focused experience is evident in his team. With Michelle Heroux, Enrolled Agent and Office Manager, leading income tax planning and preparation, and Erin Calabrese, Events Manager directing client outreach and events, Severn Financial operates like a close-knit family.

“We’re a family-oriented firm, both in how we work and how we connect with our clients,” Mike says. “Helping people achieve financial independence is our passion. It’s incredibly fulfilling to see a client sigh with relief during a meeting, knowing they’re on the right path.”

When asked what sets his firm apart, Mike emphasizes consistency and communication. “In this business, it’s not enough to just provide sound advice. It has to be practical, implementable, and delivered in a way that’s easy to understand,” he explains. “That’s why our relationship-based model works so well. It’s not about transactions.”

Mike ‘s ideal clients are individuals, families, and small businesses who value a personalized approach to financial planning. Whether it’s helping a family save for college or assisting a small business owner with tax strategies, he thrives on making a meaningful impact.

Outside of work, Mike is deeply rooted in the Annapolis community. He enjoys exploring local history, performing in his cover band, “Management,” and spending time with his wife of 20 years, Erin, and their two children, Megan and Matthew. “Balance is key,” he says. “I love my job, but scheduling personal time in advance ensures I can also enjoy family life.”

Looking ahead, Mike has ambitious goals for both his family and his business. “We recently hired a new team member, and I’m focused on helping her get up to speed,” he shares. “On the personal side, my daughter will start college in 2025, which is bittersweet, but I’m excited for what’s next.”

Mike’s parting advice to REALTORS® and others is simple yet profound: “You can achieve financial independence. It’s never too late to start. And we’re here to help, without judgment or condescension, every step of the way.”

To learn more about Severn Financial Solutions, LLC or to schedule a consultation, visit www.severnfinancial.com or call 410-793-1228.