Covenant Financial Planning and Resource Management, Inc.

Covenant Financial Planning and Resource Management, Inc. provides discretionary portfolio management and financial planning to individuals, families, businesses, trusts and estates, offering services such as retirement planning, tax planning, college funding, estate planning and small business consulting. The firm’s advisory services include ongoing portfolio monitoring and management, with most portfolios invested through mutual funds, index funds and ETFs.

The firm’s investment approach is asset‑allocation driven and tailored to client risk tolerance, time horizon and goals, with periodic rebalancing and tactical adjustments within asset classes as market views evolve. CFPRM uses third‑party market research, may include alternative investments where appropriate, and states that it does not engage in market timing.

Noteworthy distinctions in the brochure include a billed hourly financial planning option ($175 per hour, with typical engagements noted in the $2,000–$5,000 range) and a separate Wealth Advisory service tier with higher account minimums and a $1,500 quarterly minimum fee, reflecting an ability to serve higher‑balance clients. The firm also discloses the potential use of alternative pooled vehicles that have investor eligibility requirements, maintains formal business continuity and information security programs, and notes that its principal holds an inactive CPA license and has passed the CFP® exam (but is not a CFP®).