Swell Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Swell Financial is a small independent registered investment adviser that provides discretionary portfolio management, as well as ongoing and project-based comprehensive financial planning. The firm serves individuals (including high-net-worth clients), charitable organizations, and employer-sponsored pension and profit-sharing plans.
The firm constructs tailored investment plans grounded in strategic asset allocation, generally favoring passive funds while incorporating selective active managers and tactical adjustments when appropriate. It implements models using third‑party platforms and outside managers (including SEI and American Funds options), monitors portfolios regularly, and accommodates client-imposed investment restrictions and rebalancing preferences.
Notably for an independent adviser with under $30 million in assets, Swell Financial offers pension and profit‑sharing plan consulting and accepts an ERISA Section 3(21) fiduciary role for plan services while leaving discretionary plan administration to plan sponsors. The firm also includes ongoing comprehensive financial planning for clients with $750,000 or more in managed assets and uses third‑party manager consulting as part of its model governance.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Ongoing Comprehensive Financial Planning: Up to $2,500 upfront; Project-Based Financial Planning: One-time engagement starts at $2,500; three-month engagement starts at $5,000; one-year engagement starts at $10,000
$0 - $499,999: 1.75% $0 - $500,000: 1.35% $500,001 - $750,000: 1.25% $750,001 - $1,000,000: 1.15% $1,000,001 - $3,000,000: 1.00% $3,000,001 - $5,000,000: 0.75% $5,000,001+: 0.50%
Ongoing Comprehensive Financial Planning: $250 - $500 per month
Ongoing Comprehensive Financial Planning: $250 - $500 per month
Minimum fee: $7,500 minimum annual fee for Investment Management Services Fee-only: Fees are negotiable; some clients may have different fee schedules than outlined here.
Main office
Irvine CA
Advisors at this office
1
Most active in
California · Texas
Also doing business as
Covyeau, Nicholas Anthony · Covyeau, Nick A. Dba Swell Financial · Swell Financial · Swell Financial, Inc.
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:
-
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.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)