Covey & Covey
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
20
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
20
LowAverage account size
$0
About
Covey & Covey is an independent, state-registered investment advisory firm that primarily serves individual clients seeking personal financial planning and also provides planning for small corporations, partnerships, trusts and qualified retirement plans. The firm delivers comprehensive written financial plans, offers annual plan reviews, and accepts limited-scope consultations and quarterly reporting at clients’ discretion.
The firm’s work is focused on comprehensive financial planning: collecting detailed client financial information, analyzing cash flow, asset allocation, insurance, tax and estate issues, and producing written recommendations for clients to implement. It does not manage client assets on a discretionary basis or serve as custodian, and it uses fixed and hourly planning engagements rather than percentage-of-assets-under-management fee arrangements.
Noteworthy for a firm of this type, the principal also acts as a registered representative of a broker‑dealer and as a licensed insurance agent, enabling execution of securities and insurance transactions outside the advisory engagement and creating disclosed commission-based conflicts of interest. The adviser additionally conducts educational seminars and workshops, has teaching and expert‑witness experience, and may assist in selecting third‑party money managers when appropriate.
Client services
Financial planning
Educational seminars or workshops
Expertise
General retirement planning
General tax planning
Long-term care insurance
Cash flow / budgeting
Fee options
Comprehensive Financial Plan: $750 - $3,500 fixed fee; Annual Financial Plan Review: $750 fixed fee
Securities commissions and insurance commissions may be earned by Kathleen Covey when acting as a registered representative or insurance agent, separate from advisory services
$225 per hour for Separate Financial Planning Consultations
Fee-only: Comprehensive Financial Plan: $750 - $3,500 fixed fee; Annual Financial Plan Review: $750 fixed fee; Separate Financial Planning Consultations: $225 hourly fee
Most active in
Covey & Covey has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")