Covey & Covey
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm primarily serves individual clients and also provides financial planning services to small corporations, partnerships, trusts, and qualified retirement plans. It delivers comprehensive written financial plans, separate consultations, and annual plan reviews, and it does not custody client assets or accept discretionary authority over client investment accounts.
The advisory process begins with an in‑depth interview and document review to quantify goals and analyze cash flow, taxes, insurance, estate matters and overall asset allocation, drawing on industry research and data providers to form recommendations. Rather than providing ongoing portfolio management or charging AUM-based fees, the firm focuses on fixed-fee comprehensive plans and hourly consultations, prepares periodic reports, and can assist with implementation either by recommending third‑party money managers or by executing transactions in a non‑advisory broker capacity.
What sets the firm apart is that its principal is a CFP® professional who is also registered as a representative of a broker‑dealer and licensed as an insurance agent, and the firm offers educational seminars and community teaching activities. The brochure discloses that these brokerage and insurance activities create potential conflicts of interest that are disclosed to clients, who are free to implement recommendations through other providers.
Client services
Expertise
Fee options
Comprehensive Financial Plan fixed fee ranging from $1,250 to $7,500; Annual Financial Plan Review fixed fee starting at $1,250
Securities commissions applicable when purchasing securities through Kathleen Covey as registered representative; Insurance commissions applicable when purchasing insurance products through Kathleen Covey
Separate Financial Planning Consultations at $275 per hour
Fee-only: Comprehensive Financial Plan: $1,250 - $7,500; Annual Financial Plan Review: $1,250+; Separate Financial Planning Consultations: $275 hourly
Main office
4370 La Jolla Village Dr. Ste. 400
San Diego CA 92122
Advisors at this office
1
Most active in
California
Also doing business as
Covey & Covey · Covey, Kathleen Ann
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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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
Quick links
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