Ongoing Planning: The Ongoing Journey to Success
Working with a Financial Advisor
When you choose to work with Covenant Financial Partners on an ongoing basis, you’ll receive personalized guidance tailored to your unique financial goals. We meet with you semi-annually to review your progress, revisit your priorities, and adjust your plan as life evolves.
Our comprehensive financial planning sessions cover all key areas of your financial life—from cash flow and net worth to education savings, retirement planning, tax strategies, insurance coverage, and estate planning. As fee-only fiduciaries, we don’t earn commissions or receive kickbacks. That means our advice is always focused solely on your best interest—helping you and your family build a clear, confident path forward.
Effective Investment Approach
We offer active investment management— which offers a portfolio management strategy characterized by the deliberate selection and timing of securities with the objective of achieving returns that exceed those of a designated benchmark index. This method involves continuous monitoring of financial markets, rigorous fundamental and technical analysis, and the application of professional judgment to identify perceived inefficiencies in asset pricing. Active management assumes that markets are not perfectly efficient and that skilled investors can exploit discrepancies to generate excess returns, or alpha.
Rather than placing trades on your behalf without your input—a practice that can sometimes lead to ethical concerns—we create a rebalancing plan tailored to your goals and risk tolerance. This plan can be executed independently if you prefer a hands-on approach, or we can walk through it together during a review meeting for added support. Our goal is to help you stay on track with a simple, transparent, and effective investment strategy built around your life.
Continual Support
We believe financial planning isn’t just about numbers—it’s about creating a partnership built on trust, transparency, and meaningful communication. That’s why we place a strong emphasis on keeping you informed and engaged. Through clear, ongoing communication and easy-to-understand educational resources, we help you make sense of your financial world and feel confident in the decisions you're making.
As life changes and external factors—like tax laws or federal rulings—shift, we proactively adjust your plan to stay ahead of those developments. This forward-thinking approach ensures your financial strategy continues to reflect both your evolving needs and the broader financial landscape.
By building a lasting relationship, your advisor develops a deep understanding of your values, goals, and personal circumstances. This familiarity allows us to offer relevant, timely advice that evolves with you—whether you're navigating a career change, planning for retirement, managing family transitions, or simply striving for long-term security.
All of this is delivered through a transparent flat-fee structure, so you can feel confident knowing there are no hidden costs or conflicts of interest. You’ll always know where you stand, and more importantly, you’ll have a knowledgeable ally walking alongside you—offering support, perspective, and clarity every step of the way.