Bradenton, FL Office

Covenant Asset Management is an SEC‑registered advisory firm that manages roughly $692.6 million for a mix of individual and high‑net‑worth clients, trusts, retirement plans, charitable organizations and small businesses. The firm provides discretionary portfolio management as its primary service and also offers comprehensive or stand‑alone financial planning and estate/business continuation counseling.

The firm follows a growth‑at‑a‑reasonable‑price (GARP) and thematic equity approach complemented by a dividend‑appreciation income model and a disciplined fixed‑income laddering strategy, emphasizing tax efficiency and low turnover (targeted at about 30% or less annually). Covenant implements option strategies for downside protection and income (protective puts, covered calls, purchased calls and option spreads) and discloses that account valuations treat margin and other debit balances without offsets, reflecting the firm’s willingness to use derivatives and borrowing in separately managed accounts.

Covenant operates as a multi‑advisor team and supplements its investment work with outbound marketing and educational efforts delivered through an affiliated marketing entity; it discloses fee‑sharing arrangements with referring professionals and the use of third‑party lead services. The firm also discloses an affiliate relationship that sells commissionable insurance products and describes the related conflicts and mitigations, which are more explicitly documented than is typical for many peers.