Covenant Financial Planning and Resource Management, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Covenant Financial Planning and Resource Management, Inc. provides discretionary portfolio management and financial planning to individuals, families, businesses, trusts and estates, offering services such as retirement planning, tax planning, college funding, estate planning and small business consulting. The firm’s advisory services include ongoing portfolio monitoring and management, with most portfolios invested through mutual funds, index funds and ETFs.
The firm’s investment approach is asset‑allocation driven and tailored to client risk tolerance, time horizon and goals, with periodic rebalancing and tactical adjustments within asset classes as market views evolve. CFPRM uses third‑party market research, may include alternative investments where appropriate, and states that it does not engage in market timing.
Noteworthy distinctions in the brochure include a billed hourly financial planning option ($175 per hour, with typical engagements noted in the $2,000–$5,000 range) and a separate Wealth Advisory service tier with higher account minimums and a $1,500 quarterly minimum fee, reflecting an ability to serve higher‑balance clients. The firm also discloses the potential use of alternative pooled vehicles that have investor eligibility requirements, maintains formal business continuity and information security programs, and notes that its principal holds an inactive CPA license and has passed the CFP® exam (but is not a CFP®).
Client services
Expertise
Fee options
$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.80% $1,000,001 - $3,000,000: 0.50% $3,000,001+: 0.25%
$175.00 per hour
Account minimum: $100,000 for Option B; $500,000 for Option C Minimum fee: Option B: $250 per quarter; Option C: $1,500 per quarter
Main office
Memphis TN
Advisors at this office
1
Most active in
Tennessee
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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