Delivering superior asset management services to affluent individuals.

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Asset & Wealth Management

We offer a full array of wealth management services, including comprehensive financial and estate planning, tax advice, business continuation counseling, and administrative services. The integration of these services forms the basis for a complete wealth management plan.

We take an active approach to managing investments and we believe superior long-term returns can be achieved through a disciplined, growth-oriented equity investment strategy.

Rigorous fundamental research, coupled with skillful technical analysis, provides the foundation of our equity portfolio management. Our fixed income approach emphasizes stability of income, high quality and low turnover. We manage risk primarily through diversification and selective security hedging techniques.

Our services are distinguished from other firms by our development and implementation of a personal investment policy statement and customization of a separately managed portfolio of securities to meet client objectives.

To allow us to concentrate exclusively on our areas of expertise in wealth management, we outsource certain administrative and custodial services. Additionally, we work closely with your attorneys and accountants to ensure that we design and implement a thorough strategy customized to your financial objectives.

Investment Strategies

  • We specialize in wealth enhancement through tax-efficient, growth-oriented investment management.

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  • Our dividend appreciation model is constructed to deliver market-like returns with lower risk, with a higher portion of the total return coming via dividends.

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  • We typically use no-load mutual funds and exchange traded funds (ETFs) for international diversification outside of our core Equity Growth and Dividend Appreciation strategies.

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  • We seek strong total returns and a steady income streams generated by high-quality holdings.

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  • We offer a range of active management portfolios designed to smooth out the investing journey, implemented in tax-advantaged accounts.

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Account Types

  • Investment Management Accounts

  • Individual Retirement Accounts (IRAs) and Rollovers

  • Pension and Profit-Sharing Plans

  • Trust and Estate Accounts

  • 401(k) Plans and other retirement plans (including Government TSP)

  • 529 College Saving Plans

  • Cash Management Accounts

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Our Clients

We work hard to develop and implement portfolios for clients in each wealth phase with a diversified approach aligned with the client's goals and risk profile. We emphasize a balanced mix of assets to optimize returns while mitigating risk. We actively and expertly monitor and adjust the portfolio to adapt to changing market conditions and the client's evolving needs.

We generally see clients fitting into one of three demographic categories:

Established Wealth

With $500,000 or more in investible assets, our goal is to help clients achieve their financial objectives, protect their wealth, and provide peace of mind throughout their retirement years and beyond. We place a specific emphasis on tax efficiency and estate planning.

Advancing Wealth

Investible assets of $200,000-$500,000 and substantial and growing six-figure annual compensation. With our unique approach, we are confident that our Advancing Wealth clients will appreciate our commitment to one-on-one relationships, as well as a customized financial plan designed to help them achieve their objectives.

Emerging Wealth

We encourage our Emerging Wealth clients to focus on the tax-efficient building of wealth, primarily through retirement accounts.

Your portfolio manager will work closely with you to identify the approach that best suits your objectives and risk tolerance, and we will use Exchange Traded Funds (ETFs) and no-load mutual funds to construct a diversified portfolio of domestic and international stocks and bonds.

In addition, your portfolio manager will assist in developing a sound financial plan and illustrate the power of compound returns, coupled with periodic contributions, in building your personal wealth.

We believe that establishing a personal relationship with your portfolio manager during the formative years of wealth accumulation can provide the essential guidance and understanding for helping you stay on course to achieving your financial goals.

The Covenant Advantage

  • Our commitment to our clients extends beyond just managing their wealth. We build long-term relationships, offering support and guidance through life's financial transitions.

  • We implement tax-efficient strategies to minimize tax liabilities, thereby maximizing returns for the client. This includes tax-loss harvesting, capital gains optimization, and implementing tax-advantaged accounts when appropriate.

  • We employ a conservative approach to risk management, considering the client's stage of life and their tolerance for market volatility.

  • As clients age, estate planning becomes increasingly important. We work closely with legal experts to ensure a smooth transfer of wealth to heirs or charitable organizations while minimizing estate taxes.

Typical Client Needs

We have the experience and resources necessary to develop a new and personal approach to assisting clients through each phase of their financial life cycle, including:

  • Generational wealth transfers through inheritance

  • The sale of a business

  • Frequent job transitions

  • Multiple 401(k) accounts

  • Growth and accumulation of financial assets

  • Significant and growing vested stock positions in need of diversification

  • "Trading account" not achieving its goal - lacking needed oversight and entry and exit discipline