A complete list of active advisors currently associated with Cove Financial Planning, LLC

Warmer can help you find a great advisor at Cove Financial Planning, LLC or one who fits your needs even better.

Cove Financial Planning provides portfolio management and comprehensive financial planning services to individual and high‑net‑worth clients, addressing retirement, tax planning, estate planning, business planning, cash‑flow and college‑savings needs. The firm also assists clients in selecting and monitoring third‑party/outside managers and offers both in‑house managed portfolios and the option to use TAMP platforms. The firm primarily implements a passive investment approach using low‑cost index mutual funds and ETFs, while applying fundamental analysis when conducting detailed investment analyses or evaluating outside managers. Client engagements begin with a 60–90 minute discovery meeting, deliver a 10–20 page personalized financial plan, and include periodic reviews (at least annually) with discretionary implementation available. Several operational features distinguish the firm from many peers: it manages roughly $99 million for about 60 clients while maintaining multi‑state registrations and multiple offices, resulting in relatively high AUM per client for a small independent adviser. The firm also bundles comprehensive planning into its AUM fee with a meaningful minimum quarterly charge, relies on both an automated advisor platform and a traditional custodian (accepting platform support services), and maintains practices such as limited custody only for fee withdrawal and not providing written investment reports to advisory clients.

To learn more about the advisors currently working at Cove Financial Planning, LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name
Location
Years of experience
Ben Smith profile photo Ben Smith
St Louis Park, MN
13
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