An unwavering commitment to service, excellence, integrity & honesty.

firm-history.jpg

Firm History

Covenant Asset Management was founded in 1999 by John Guarino and Tim Rowe. John spent nearly 20 years employed by two of New Jersey's largest bank trust departments, while Tim worked for 15 years at New Jersey's largest independent financial planning organization before they joined together to found Covenant Asset Management. Today, we provide investment advisory services to more than 100 high-net-worth clients and offer financial planning and transaction services to additional clients.

our-mission.jpg

Our Mission

Our mission is to deliver superior asset management services to affluent individuals, businesses and nonprofit organizations. Through the development of close professional relationships with our clients, we are uniquely positioned to assist in the optimization and realization of their financial goals. With integrity and commitment, we take responsibility for preserving and enhancing your assets. Achieving this objective requires a comprehensive understanding of your needs, matched with suitable investment opportunities.

account-types.jpg

Covenant Advantage

We offer a rare brand of investment counsel to our clients by combining independent research with personalized service. As a result, our clients gain the advantage of complete transparency of their assets and direct access to the decision makers within Covenant. We are driven by an unwavering commitment to service excellence, integrity, honesty and confidentiality. And as a fiduciary, we always exercise prudence, diligence and the highest standard of care within all client relationships.

 

The Covenant Asset Management Team

ca-our-team-1.jpg

With a wealth of skill and experience, Covenant’s advisors are well-positioned to serve clients seeking prudent, effective, and individually tailored guidance for achieving financial and life-style goals. At Covenant, clients find peace of mind embodied in the rapport of a trusting, long-term relationship, where their interests come first.

Certain employees of Covenant Asset Management have memberships or licenses with the following organizations:

  • Chartered Financial Analyst (CFA) Institute

  • New York Society of Security Analysts (NYSSA)

  • National Association of Securities Dealers (NASD)

Please see individual profiles for more details.

Our Process

  • STEP 1: PROFILE

    During our first meeting, we will listen carefully to you and learn about your lifestyle, interests, resources, obligations, dreams, concerns and goals. Once we understand your financial status and what is important to you, we will use our experience and resources to develop a customized financial plan designed to help you realize your goals and find peace of mind.

  • STEP 2: ADVISE

    We use the insights and information gathered during our initial meeting to determine how we may apply our investment philosophy to your unique situation. We will explain how your investments and other assets fit into your entire financial portfolio and prepare an Investment Policy Statement, which will serve as a written mutual agreement of our plan and a guide to managing your portfolio going forward.

  • STEP 3: INVEST

    Next, we select a third-party custodian institution and open a new account for you. Our administrators will assist you with the paperwork required to transfer your assets to the new account. Once your assets are in the new account, we will build your portfolio as outlined in the Investment Policy Statement.

  • STEP 4: MONITOR

    After we have established your portfolio, we will continuously monitor market conditions and economic trends and communicate regularly with you to stay current about changes in your personal or financial life. Based on these factors, we will make suitable adjustments to your investments and asset allocations to keep you on track toward your goals.