Business Details
46 Years
experience
Your Trusted Financial Planning Partner in San Diego
Covey & Covey Financial Advisory Firm has dedicated 39 years to empowering San Diego families with personalized financial planning solutions. Founded in 1980 by Kathleen Covey and her mother, we pioneered a client-centered approach rooted in trust, education, and compassion. As a CERTIFIED FINANCIAL PLANNER and fiduciary, Kathleen prioritizes clients' best interests while addressing life's financial complexities, from retirement strategies to unexpected challenges.Our holistic methodology integrates decades of experience with tailored guidance, ensuring clients navigate transitions confidently. We emphasize transparency in both strategy and pricing, offering seminars at institutions like San Diego State University to demystify financial planning. With a legacy of service and a commitment to evolving client needs, we continue building on our founders' vision of financial care as a lifelong partnership.
Services
Financial Planning
Retirement Analysis
Investment Management
Estate Planning
Long-Term Care
Disability Planning
Caregiving Strategies
Retirement Seminars
Portfolio Review
Tax Strategies
Details
- Year established: 1980
Highlights and features
- We offer 39 years of experience in personalized financial planning.
- Our team includes a CERTIFIED FINANCIAL PLANNER professional.
- We act as fiduciaries, prioritizing your best interests.
- Holistic retirement strategies tailored to your unique needs.
- Proven expertise in navigating life's unexpected financial challenges.
Associations and certifications
- Certified Financial Planner Board of Standards
- Registered Investment Advisor (RIA)
- Financial Industry Regulatory Authority (FINRA)
Services
Financial Planning
Our comprehensive financial planning service creates customized roadmaps for long-term stability. We analyze your complete financial picture to develop strategies addressing retirement goals, risk management, and legacy planning. With a focus on proactive preparation, we help clients build resilient portfolios that withstand market fluctuations while aligning with personal values and life objectives.
Retirement Analysis
This in-depth assessment evaluates your current financial position against retirement goals. We examine income sources, investment performance, and potential risks to create actionable plans. Our analysis incorporates tax-efficient withdrawal strategies and Social Security optimization to maximize sustainable income throughout retirement.
Estate Planning
Our estate planning service ensures your assets transfer according to your wishes while minimizing tax implications. We coordinate with legal professionals to establish wills, trusts, and power of attorney documents. This service includes ongoing reviews to adapt to changing family dynamics or legislative updates affecting estate taxation.
Investment Management
We provide active portfolio management tailored to individual risk tolerance and financial goals. Our approach combines diversified asset allocation with regular performance reviews. We focus on tax-efficient investing and rebalancing strategies to maintain alignment with evolving market conditions and client objectives.
Long-Term Care
This specialized service addresses future healthcare needs through strategic financial preparation. We develop plans incorporating insurance solutions, asset protection strategies, and care facility cost projections. Our approach helps clients maintain financial security while ensuring quality care options remain available when needed.
People
Kathleen Covey
Advisor
With 39 years in financial planning, Kathleen Covey is a CERTIFIED FINANCIAL PLANNER and FINRA-licensed professional. She founded Covey & Covey in 1980, emphasizing fiduciary responsibility and personalized service. A former educator, she specializes in retirement strategies and has presented seminars at San Diego institutions.
Questions
What financial planning services do you specialize in?
We specialize in retirement planning, estate management, long-term care strategies, and investment management tailored to individual needs.
How are your fees structured?
We offer transparent pricing with flat fees for comprehensive plans ($750–$3,500) and hourly consultations at $225.
Are you a fiduciary financial advisor?
Yes, as a CERTIFIED FINANCIAL PLANNER, I act as a fiduciary, legally obligated to prioritize your financial interests.
Do you work with clients outside San Diego?
While based in San Diego, we serve clients nationwide through virtual consultations and remote financial planning.
What credentials does your team hold?
Our lead advisor holds the CFP designation and FINRA Series 1, 7, 24, 63, and 66 licenses.
How do you approach retirement planning?
We take a holistic approach, addressing both financial and emotional aspects of retirement through personalized, adaptive strategies.
