Schedule Your Free Retirement Assessment

Once you submit the form above, you'll immediately access our online calendar to schedule your complimentary assessment—either via Zoom or at one of our offices in Richmond, Reston, or Williamsburg VA.

Important: You must schedule the initial meeting through our online calendar to get your free assessment.

Meeting One: Discovery Session (45 minutes) We start by getting to know you—your goals, concerns, and current financial situation. This conversation is entirely about understanding what matters most to you and determining if we're a good fit to work together. There's no obligation to move forward.

Between Meetings If you'd like to proceed, we'll securely gather the information needed to build your personalized retirement plan.

Meeting Two: Strategy Presentation (90 minutes) We'll present your customized retirement roadmap, covering income planning, investment strategy, tax efficiency, estate planning, and more. You'll leave with clarity on your options and a specific action plan—whether or not you choose to work with us.

If You Become a Client You'll receive ongoing support with proactive advice, regular reviews, and adjustments to keep your plan aligned with your evolving goals.

The entire assessment process is complimentary and carries no obligation. Our goal is simply to provide you with valuable insights into your retirement picture and determine if it makes sense to work together.

Your investments are held at Charles Schwab or Fidelity, which serve as independent, third-party custodians. These firms are separate from Covenant Wealth Advisors and are responsible for safeguarding your assets.

Your accounts remain in your name at all times. As your advisor, we receive limited trading authority to manage the investments according to your financial plan, but we cannot withdraw funds or move money outside your accounts without your authorization.

Important protections:

• Schwab and Fidelity are both SIPC members, providing protection up to $500,000 (including $250,000 for cash claims) in the unlikely event of custodian failure

• We do not have custody of your assets—only management authority

• We do not receive commissions from Schwab, Fidelity, or investment products

• As a fiduciary, we are legally obligated to act in your best interest

You'll receive statements directly from your custodian and maintain 24/7 online access to view your accounts independently.

Moving your investment accounts to us is a smooth and secure process. Using the industry-standard ACAT (Automated Customer Account Transfer) system, your assets transfer “in-kind”—meaning nothing is sold, liquidated, or altered during the move. Whether it’s an IRA or a taxable brokerage account, your holdings remain intact; the only thing that changes is the login screen. Rest assured, we won’t make any adjustments to your portfolio until you’ve approved a customized strategy built specifically around your goals, risk preferences, and tax considerations.

We charge an annual advisory fee based on a tiered percentage of assets under management. Our fee schedule is clearly communicated during your initial intro call.

What's included:

• Investment management and portfolio monitoring

• Comprehensive financial planning

• Tax planning strategies and coordination with your CPA

• Estate planning guidance and coordination with your attorney

• Ongoing advice and regular portfolio reviews

What's NOT included:

• Tax preparation services (performed by your CPA)

• Legal documents (prepared by your estate attorney)

• Alternative investments or assets held away from our management (rare)

Billing details:

• Fees are billed quarterly in advance or arrears depending upon your situation.

• Deducted directly from your account with your authorization

• No long-term contracts—you may terminate at any time with written notice

• Prorated refund for any unused portion if you terminate mid-quarter

Your exact fee will be disclosed in writing before you become a client and will be detailed in our advisory agreement. We'll review our complete fee schedule during your initial consultation, and you can also review it in our Form ADV Part 2A, which we provide to all prospective clients.

Our fee reflects a comprehensive, ongoing relationship that goes far beyond investment management alone.

While every situation is different, we believe the biggest indicator of our value is in our client retention rate of 98% for 2024.

What you receive:

• Personalized retirement income planning

• Proactive tax planning strategies coordinated with your tax preparer

• Portfolio construction and ongoing investment management

• Estate planning guidance and coordination with your attorney

• Social Security claiming analysis

• Risk management and insurance reviews

• Regular financial planning updates as your life evolves

Unlike hourly billing, where you might hesitate to call with questions, or commission-based models that can create additional conflicts of interest, our AUM fee structure provides unlimited access to advice throughout the year. You're not charged separately each time we review your estate plan, analyze a Roth conversion opportunity, or help you navigate a financial decision.

Understanding the AUM model: Our fee is calculated as a percentage of assets under management, which means it fluctuates with your account value—both up and down. When markets decline, our fee declines proportionally. This structure does create an inherent incentive for us to grow assets, which is why our fiduciary duty to act in your best interest is critical. We're required by law to recommend strategies based on your goals and circumstances, not our compensation.

Our tiered structure means clients with larger portfolios pay a lower percentage rate, and there are generally no separate charges for financial planning services or additional meetings when you engage in a wealth management relationship.

The value proposition: Many retirees face complex decisions around tax-efficient withdrawal strategies, Medicare planning, estate transfers, and investment allocation during a 20-30 year retirement. Our clients work with us because they value having an experienced fiduciary partner helping them navigate these decisions with confidence. Whether that's worth the fee is ultimately a decision only you can make—and one you can reconsider at any time, as we have no long-term contracts.

While Mark and Matt aren’t directly involved with every individual client, the quality of your experience doesn’t depend on that. Every financial plan is crafted according to the rigorous standards they’ve built into our team-based model. You'll be supported by a dedicated group—including a lead advisor, senior advisor, associate advisor, and client service associate—each trained through Covenant's internal development program to ensure you receive thoughtful, personalized guidance grounded in our core principles. The result: a consistently high level of care, no matter who you work with.

At Covenant, we focus on proactive tax planning as part of your overall financial strategy. This may include exploring options such as Roth conversions, tax loss or gain harvesting, charitable giving strategies, and coordinating income levels in ways that may affect healthcare-related costs or subsidy eligibility. These strategies are considered in the context of your broader financial goals and are not intended as tax advice. While we do not prepare or file tax returns, we regularly coordinate with your CPA or tax professional to help ensure that planning decisions are implemented in a manner consistent with your overall tax situation.