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Financial Planning Strategies

At Covenant Investments & Management, many of our clients are approaching retirement or are already retired. After working hard throughout their career to build their savings, they want to ensure they can comfortably retire and achieve their financial goals, be it sending a child to college or leaving a legacy to loved ones. Through our wide range of services, we help you define your goals and create a strategy tailored around your needs. As we build a long-lasting relationship, we’ll help you stay on track as you work toward your financial dreams.

Based on your needs, your financial strategy may entail:

Investment Management

In creating a diversified investment portfolio tailored to your objectives, we seek to ensure your investments align with the level of risk they are comfortable taking. We steer clear of investment fads and instead focus on a long-term approach. After we define your objectives, we use advanced industry software programs that help us calculate their risk and design a personalized portfolio.

Retirement Planning

Whether it is two or ten years away, it is important to plan ahead for retirement. We can help you determine opportunities for building a consistent income that is designed to last throughout your retirement, from contributing to a 401(k) plan to identifying appropriate IRA investments. We also provide advice on minimizing unnecessary taxes on investments, including 401(k) and IRA rollovers, and more.

Estate Planning

Many people want to leave a legacy for their family but don’t realize that an estate plan is critical for ensuring one’s wishes are carried out. Without a plan, the state will handle the assets according to probate laws and taxes can quickly add up. We can help you identify how you want to pass on your assets, who will receive what, and when and how. Additionally, we often work with clients’ attorneys and other advisors to assist in ensuring an appropriate estate plan is in place.

College Planning

A common concern among families is deciding how they will pay for their children’s college expenses while balancing their retirement planning. We can help you evaluate funding and savings options (such as 529 Plans or education trusts) and create an education strategy tailored to your needs.


Risk management is an important element of a complete financial strategy. Without the right type of insurance to protect their assets, a family could be leaving themselves vulnerable. With access to a wide array of insurance products, we help you evaluate what type of coverage is appropriate for your circumstances, including life, disability, and long-term care options.