|
|
|
|
|
|
About Covey & Covey |
For over 35 years, my clients have trusted me to provide financial guidance and advice. Life events can affect your financial goals and so can major economic changes. I have successfully guided my clients through major stock market declines, the "great recession", real estate cycles, countless tax law changes and the evolution of a world economy. Long-term relationships with my clients has allowed me to personally witness the benefits of good financial planning.
Your retirement goals are unique to you and will continue to evolve as your priorities and needs change. I will listen with patience, compassion and caring. I am a problem solver who believes in finding positive, purposeful and satisfying solutions to your financial concerns. I will help you understand complex issues by explaining them in understandable terms. I strongly believe in providing you with knowledge, so you can make informed decisions with confidence.
I look forward to the opportunity to meet with you to discuss your financial well-being. Call me today to receive your confidential client questionnaire and schedule an appointment to begin your journey towards financial success. |
|
| |
|
|
General Information |
| Years of Experience in Financial Services: |
38
|
|
|
|
| States Licensed in: |
AZ, CA, OR
|
|
| Name of Custodial Firm: |
Pershing
|
|
| Number of Years with Current Firm: |
38
|
|
| Name of Broker/Dealer: |
Independent Financial Group
|
|
| States Willing to do Business in: |
Greater San Diego area
|
|
| |
|
|
|
|
|
Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant
|
|
| Securities Licenses: |
Series 7, Series 24, Series 63, Series 66, Series 1
|
|
| Insurance and Annuity Licenses: |
Variable Life, Long Term Care, Variable Annuity, Life, Annuity, Disability
|
|
| |
|
|
|
Compliance |
| Criminal Disclosures in Last 5 years: |
Have a clean record
|
|
| Compliance Disclosures in Last 5 years: |
Have a clean record
|
|
| Registered Investment Advisor: |
Yes
|
|
| Registered Representative: |
Yes
|
|
| Investment Advisor Representative: |
Yes
|
|
| |
|
Compensation and Fees |
|
|
| Fee % Based on Assets: |
1% -1.5%
|
|
| Compensation Methods: |
Based on Assets, Hourly, Flat Fee, Commissions
|
|
|
|
| |
|
| |
| |
Frequently Asked Questions |
 |
| Q. |
Do you have a customer satisfaction or refund policy? |
| |
The financial planning is an ongoing process. The initial plan generally requires "tweaking". We seek to provide positive, purposeful and satisfying solutions to your financial concerns.
No one has ever requested a refund. |
|
| Q. |
How are you compensated? How will I pay for your services? |
| |
Covey & Covey is a boutique financial planning firm. We choose to keep our firm small to provide personal attention to our clients. |
|
| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
| |
Each client works directly with me. |
|
| Q. |
How many clients do you currently manage? |
| |
Covey & Covey is fee based, we charge financial planning fees. You may also incur asset management fees and in some cases there may be commissions on certain products. We will always put your best interest first, we are not driven by commissions. |
|
| Q. |
Will you be the only person working with me? |
| |
Covey & Covey utilizes the services of some of the best available money managers who will manage your portfolio on a fee basis. Covey & Covey does not buy or sell assets on a discretionary basis. |
|
| Q. |
How much risk should I be willing to take? |
| |
By using a software program you will determine the amount of risk you are willing to take. We don't determine how much risk you should be willing to take. |
|
| Q. |
Have you ever been charged with any breaches? |
| |
In 35+ years in the industry I have not been charged with any breaches. |
|
| Q. |
Why should I choose you as my financial advisor? |
| |
Graduated with a BS degree in Education;
Certified Financial Planning since 1982;
FINRA licenses: 1,7,24,63,66;and
Covey & Covey is a state Registered Investment Advisor |
|
| Q. |
What services do you provide? What are your specialties? |
| |
I specialize in working with Baby Boomers, Pre-Retirees & woman. I feel I am uniquely qualified to provide advice & guidance to the difficult challenges of these people. |
|
| Q. |
What financial institution(s) do you represent? |
| |
As an independent financial advisor, I do not represent any one financial institution. I am not beholding to any institution, product or service. |
|
| Q. |
What is your approach to 401 K plan rollovers? |
| |
Covey & Covey adopted the Fiduciary Rules for 401K rollovers & maintain the Fiduciary standard. We will provide a comparison of fees for the 401K and any recommended rollover product, ie. IRA. |
|
|
|
