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Building Security

Through Service

Providing comprehensive financial guidance for retirees and federal government employees. We help you explore and enhance your financial, emotional, and spiritual prosperity through an integrated, full-service approach.

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Client Centered

Financial Landscapes 

Can Be Complex

Navigating retirement involves understanding many different decisions and their long-term implications. Our firm acts as a compassionate advocate, helping you manage these transitions with authority and clarity so you can focus on the legacy you wish to build. Regardless if you are retiring from a major corporation like Johnson & Johnson, are separating service from the military or civil service, or just need to understand that next phase of your life, the team at Covenant Planning has the expertise and experience to get you to, and through, retirement successfully.

Comprehensive Strategies for

Your Financial Journey

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Whether you have concerns about Social Security, Medicare, long-term IRMAA premiums, ROTH conversions, or an income stream you cannot out live, our professionals provide tailored strategies designed to align with your personal values and goals.

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Retirement, Social Security & Medicare

Navigating the complexities of federal benefits, Social Security, and Medicare requires a professional perspective. We provide informed guidance to help federal employees evaluate their options and build a comprehensive retirement strategy that addresses health coverage and income requirements.

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Estate & Legacy Planning

Assisting families in structuring charitable giving and legacy plans, including the creation of special needs trusts to help protect loved ones. We assist families in the delicate process of determining "how much is enough" to sustain their lifestyle while maximizing the legacy left behind.

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Federal Employee Benefits Consulting

Providing a hand's-on approach to help you navigate your decision to leave federal service, either as a civilian or a member of the military.

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Small Business 401k Planning

Experience a high-touch partnership that goes far beyond basic administration. We provide end-to-end oversight—from seamless plan design to proactive maintenance—ensuring your corporate retirement assets are perfectly synced with your personal wealth strategy.

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Our Holistic Approach to
Your Prosperity

We follow a structured four-step process to ensure every aspect of your financial and emotional well-being is considered.

Here’s how it works:

Step 1

Discovery & Alignment

We begin by listening to your aspirations and understanding the unique requirements of your retirement goals.

Step 2

Comprehensive Assessment

Our team reviews your current financial standing, from insurance needs to estate goals, to identify opportunities for enhancement.

Step 3

Strategy Development

We create a unified plan that addresses your financial, emotional, and spiritual prosperity, all handled within our single location.

Step 4

Ongoing Advocacy

We provide continuous guidance and strategy adjustments as your life evolves, serving as your trusted advocate through every milestone.

Start Your Journey
Toward Financial Clarity

Our team is ready to help you navigate the complexities of federal benefits and retirement planning with a focus on your unique values.

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A Commitment to 
<br/>Those We Serve

A Commitment to 

Those We Serve

Comprehensive Benefit Analysis

We provide a detailed understanding of complex retirement systems and professional benefit structures, offering a level of clarity tailored to your specific career path and long-term objectives.

Full Service in One Building

By housing retirement, estate, and insurance strategies under one roof, we provide a streamlined experience that respects your time and complexity.

A Focus on Prosperity

Our approach goes beyond numbers to address the emotional and spiritual components of wealth, helping you build a legacy that reflects your true priorities.

Commitment to Clarity

We believe in empowering our clients through financial education, ensuring you have the information needed to make informed decisions about your future.