The highest use of capital is not to make more money, but to make money do more for the betterment of life.
–Henry Ford

Fully understanding a client’s purpose for investing one’s financial assets is a critical first step in developing an investment strategy. This all-important purpose is then married with the client’s 1)Acceptable risk level, 2)financial planning goals, and 3) time horizon to formulate an investment strategy best suited to meet those unique requirements. Once purpose is established, asset allocation are the mechanisms used to establish a written investment policy statement (IPS), agreed upon by both COVENANT and the client, detailing the specifics of the client’s investment program. The IPS is an important working document which will be continually referred to in order to track adherence to the agreed-upon strategy. However it’s also a flexible tool which can be modified from time-to-time to adjust for changes in a client’s risk tolerance, time horizon, financial needs, etc.

COVENANT’s investment portfolios are commonly designed with a combination of passive and actively managed assets with the goal to provide complementary investment styles, lower blended management fees, and additional diversification. Using the Riskalyze® risk analysis tool, COVENANT periodically evaluates your portfolio in comparison to your most recent risk survey, and when necessary, portfolio adjustments are recommended through asset selection and/or asset allocation.

Since COVENANT executes asset trades in your portfolio only with your full knowledge and approval, clients will be an active participant in any portfolio changes. We will not buy or sell assets in your portfolio without your advance knowledge and approval. You also have the choice of either maintaining your account at your preferred broker-dealer (i.e. you execute all buys and sells based on our recommendations) or establish an account with our preferred broker-dealer, and we will execute all buys and sells after your approval.