RETIRED OR RETIRING SOON WITH $1M+? FREE STRATEGY SESSION*
Get a Free Second Opinion on Your Retirement Taxes and Income
Talk with one of our 10 CFP® professionals, who together serve 649+ client households**. You’ll leave knowing where you stand, which questions matter most, and whether we’re the right fit.
Awards & Recognition
Top Financial Advisory Firms 2026 by Newsweek/Plant-A-Insights Group
Awarded each November based on data from a 12-month period through September 2025.
Best Financial Advisory Firms 2026 by USA Today/Statista
Awarded each March based on data from a 12-month period through January 2026.
Best-In-State Wealth Advisors 2026 by Forbes/Shook Research
Awarded each April based on data from a 12-month period through June 2025.
98%
client retention in 2025*
Since 2010
fee-only fiduciary, no commissions
10
CFP® professionals, averaging 14+ years
649+
client households in 22+ states (11/6/2026)
Does One of These Sound Like You?
Most of the people we meet are in one of three places.
Retiring in the next five years
Usually 55 to 65, still working
"When can we actually stop working, and how much can we spend once we do?"
Recently retired
Usually 62 to 72, living on savings
"Are we drawing from the right accounts, and will taxes get worse when RMDs start?"
Has an advisor, wants a second opinion
Money already professionally managed
"Is anyone actually coordinating this with tax planning, or is it just being managed?"
Why Should You Trust Covenant Wealth Advisors?
Covenant Wealth Advisors has not provided any compensation for the testimonials shown. We have solicited these testimonials but have not influenced their content. To our knowledge, no other conflicts of interest exist regarding these testimonials. Click on the individual name below for date of posting.
You'll Meet a CFP® Professional, Not a Salesperson
In most cases, one of the advisors you meet below becomes your lead advisor.
Adam Smith, CFP®
Financial Advisor
17+ years experience
Andrew Casteel, CFP®
Financial Advisor
13+ years experience
Mark Fonville, CFP®
Financial Advisor
24+ years experience
Scott Hur, CFP®, CPA
Financial Advisor
22+ years experience
Eric Scruggs, CFP®, EA
Financial Advisor
13+ years experience
Megan Waters, CFP®
Financial Advisor
18+ years experience
Jake Preston, CFP®
Financial Advisor
6+ years experience
What You'll Walk Away With
At the same time we're working toward your immediate goals, we're planning the next steps to keep you financially confident and secure.
Step 1:
Road Map & Goal Time Line
We'll discuss and document your retirement goals, priorities and concerns.
Step 2:
Identify Potential Strategies
We'll help identify strategies and opportunities you might be missing.
Step 3:
Determine if We're a Fit
We'll answer your questions, walk you through our process fees and determine if we're a fit.
We do not share or sell your information. The free retirement strategy session is for individuals who have over $1 million in investment assets excluding real estate. By completing the form above, you agree to be contacted by Covenant Wealth Advisors by phone, text, or email so we can schedule your strategy meeting.
Disclosures:
Services offered by Covenant Wealth Advisors (CWA), a d/b/a of Fonville Wealth Management LLC, a fee-only financial planner and registered investment adviser with offices in Richmond, Reston, and Williamsburg, Va. Registration of an investment advisor does not imply a certain level of skill or training. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. Investments involve risk and there is no guarantee that investments will appreciate. Past performance is not indicative of future results. By entering your info into our forms, you are consenting to receive our email newsletter and/or calls regarding our products and services from CWA. This agreement is not a condition to proceed forward. Nothing is intended to be, and you should not consider anything to be, investment, accounting, tax or legal advice. If you would like accounting, tax or legal advice, you should consult with your own accountants, or attorneys regarding your individual circumstances and needs. No advice may be rendered by Covenant Wealth Advisors unless a client service agreement is in place. If referenced, case studies presented are purely hypothetical examples only and do not represent actual clients or results. These studies are provided for educational purposes only. Similar, or even positive results, cannot be guaranteed.
*Free Strategy Session and Consultation:
No Monetary Cost
Our Strategy Session is provided at no monetary cost to you, and you are under no obligation to purchase any products or services.
Information Exchange
To request this Strategy Session, you must provide your contact information (name, email address, and phone number). By requesting this free session, you acknowledge that you are exchanging your contact information for the assessment and registering for our weekly newsletter offered at no monetary cost to you.
Assessment Process
Initial Consultation: We will schedule a meeting to discuss, document, and prioritize your retirement goals and concerns. During the conversation we may discuss strategies to consider in the areas of investment management, tax planning, and retirement income planning. Should you decide to become a paying client, we will design, build and implement a financial plan to help you to and through retirement.
No Obligation
You are not required to provide the additional financial information, meet with us beyond the initial consultation, or engage our services. You may discontinue the process or opt out of future communications at any time. You understand that by not providing information prohibits us from providing a thorough analysis.
Educational Nature
This Strategy Session is educational and analytical in nature. It does not constitute personalized investment advice or a recommendation to take any specific action. No advisory relationship is formed as a result of participating in this session. Any investment advice or implementation of strategies would only be provided after you formally engage us as a client through execution of a client service agreement.
**Client count is based on the estimated number of investment advisory clients as of 11/6/2026.
Awards and Recognition
Inc. 5000 America's Fastest Growing Companies - Covenant Wealth Advisors was nominated by Inc. 5000 on Tuesday, August 12, 2025 as one America's fastest growing private companies. Companies on the 2025 Inc. 5000 list are ranked according to their percentage revenue growth over three years, from 2021 to 2024. To qualify, companies must be privately held, for-profit, based in the U.S., and independent (not subsidiaries or divisions of other companies) as of December 31, 2024. Since then, some companies on the list may have gone public or been acquired. Companies must have been founded and generating revenue by March 31, 2021. The minimum revenue requirement is $100,000 for 2021 and $2 million for 2024. All honorees must pass Inc.’s editorial review. See full methodology.
Newsweek / Plant-A-Insights Group — America’s Top Financial Advisory Firms 2026 - Covenant Wealth Advisors was nominated by Newsweek/Plant-A-Insights Group in November of 2025 as one of America’s Top Financial Advisory Firms for 2026. You may access the nomination methodology disclosure here and a list of financial advisory firms selected. CWA compensated Newsweek/Plant-A-Insights Group for licensing rights to use this nomination in advertising materials. This nomination was granted by an organization that is not a CWA client
Newsweek / Plant-A-Insights Group — America’s Top Financial Advisory Firms 2025 - Covenant Wealth Advisors was nominated by Newsweek/Plant-A-Insights Group in November of 2024 as one of America’s Top Financial Advisory Firms for 2025. You may access the nomination methodology disclosure here and a list of financial advisory firms selected. CWA compensated Newsweek/Plant-A-Insights Group for licensing rights to use this nomination in advertising materials. This nomination was granted by an organization that is not a CWA client.
Forbes / Shook Research — Best-In-State Wealth Advisor 2025 - Mark Fonville was nominated for the Forbes Best-In-State Wealth Advisor 2025 ranking for Virginia in April of 2025, based on data evaluated during the 12-month period ending June 30, 2024. Forbes Best-In-State Wealth Advisor full ranking disclosure. Read more about Forbes ranking and methodology here. CWA compensated Forbes/Shook Research for licensing rights to use this nomination in advertising materials. This nomination was granted by an organization that is not a CWA client.
USA Today / Statista — 2025 Ranking - USA Today’s 2025 ranking is compiled by Statista and based on the growth of the companies’ assets under management (AUM) over the short and long term and the number of recommendations they received from clients and peers. Covenant was selected on March 19th, 2025. CWA compensated USA Today/Statista for licensing rights to use this ranking in advertising materials. See USA Today state ranking here. See USA Today methodology here. See USA Today for more information. This ranking was granted by an organization that is not a CWA client.
RichmondBizSense — #1 Fastest Growing Company (2020) - CWA was awarded the #1 fastest growing company by RichmondBizSense on October 8th, 2020 based on three-year annual revenue growth ending December 31st, 2019. To qualify for the annual RVA 25, companies must be privately-held, headquartered in the Richmond region and able to submit financials for the last three full calendar years. Submissions were vetted by Henrico-based accounting firm Keiter. No compensation was provided to RichmondBizSense in connection with this ranking. This ranking reflects historical growth during the 2017–2019 period and is not indicative of current or future performance.
Expertise.com — Best Financial Advisors (2026) - Expertise.com selected Covenant Wealth Advisors as one of the best financial advisors in Williamsburg, VA and best financial advisors in Richmond, VA for 2026, last updated as of this disclosure on March 12, 2026. Expertise.com's selection process evaluates providers across five criteria: (1) Availability — confirming the provider's service area and accessibility; (2) Qualifications — validating licenses, certifications, and professional accreditations; (3) Reputation — analyzing review data across public records, including volume, average scores, and rating consistency; (4) Experience — assessing primary area of expertise, variety of services offered, and years in practice; and (5) Professionalism — conducting mystery shopping calls to evaluate knowledgeability, friendliness, and responsiveness. Expertise.com researches more than 60,000 businesses monthly across over 200 industries. CWA compensated Expertise.com for advertising on their platform in connection with use of this rating. This selection was made by an organization that is not a CWA client.
General Award Disclosures - The awards and nominations listed above were granted by organizations that are not CWA clients. Where compensation has been provided in connection with obtaining or using any third-party rating, it is disclosed within the specific award entry above. Rankings and awards are not indicative of any client’s experience or of future performance. They should not be construed as a current or past endorsement of CWA by any of its clients.
While we seek to minimize conflicts of interest, no registered investment adviser is conflict-free and we advise all interested parties to request a list of potential conflicts of interest prior to engaging in a relationship.
CWA is a member of the Better Business Bureau. We compensate the BBB to be a member and our BBB rating is independently determined by the BBB.
While we seek to minimize conflicts of interest, no registered investment adviser is conflict free and we advise all interested parties to request a list of potential conflicts of interest prior to engaging in a relationship.
Client retention rate - Client retention rate is calculated by (total clients at end of period – new clients acquired during period) / total clients at start of period) x 100%. When displayed, the retention rate will specify the time period measured can can assumed to be from January 1st to December 31st of the year provided. Past retention rates are not indicative of future client satisfaction or retention.