Business Details
46 Years
experience
Your Trusted Financial Planning Partner in San Diego
Covey & Covey has provided comprehensive financial planning services to the San Diego community for over 39 years. Founded in 1980 by Kathleen Covey and her mother, we became a Registered Investment Advisor in 1984, establishing a legacy of trust, education, and personalized service. Our practice focuses on holistic retirement planning, addressing both financial and emotional aspects of life transitions. As a CERTIFIED FINANCIAL PLANNER and fiduciary, Kathleen Covey prioritizes clients' best interests through transparent pricing and tailored strategies.Our expertise spans disability planning, long-term care, estate management, and caregiving support, reflecting decades of experience navigating life's unexpected events. We emphasize ongoing education through seminars at institutions like National University and San Diego State Extension, while maintaining rigorous professional standards through FINRA licenses and insurance certifications. Our commitment to compassionate, evidence-based planning ensures clients achieve financial security while maintaining their quality of life.
Services
Financial Planning
Retirement Analysis
Estate Planning
Long-Term Care
Investment Management
Disability Planning
Caregiving Strategies
Risk Assessment
Tax Optimization
Wealth Preservation
Details
- Year established: 1980
Highlights and features
- 39 years of specialized retirement planning experience
- CERTIFIED FINANCIAL PLANNER with fiduciary responsibility
- Transparent fee structure with no hidden costs
- Proven strategies for life's unexpected events
- Personalized approach combining financial and emotional considerations
Associations and certifications
- CERTIFIED FINANCIAL PLANNER Board of Standards
Services
Financial Planning
Our comprehensive financial planning service creates customized roadmaps for retirement security. We analyze your complete financial picture to develop proactive strategies addressing income needs, risk management, and legacy planning. With 39 years of experience, we combine technical expertise with compassionate guidance to help clients navigate life's transitions while maintaining financial stability.
Retirement Analysis
This in-depth assessment evaluates retirement readiness through personalized scenario modeling. We examine 401(k) rollovers, pension options, and tax implications to create sustainable income streams. Our analysis incorporates emotional considerations and lifestyle goals, ensuring clients feel confident about their post-career financial security while maintaining flexibility for unexpected life events.
Estate Planning
Our estate planning service coordinates wealth transfer strategies with your personal values and family needs. We integrate legal documents, insurance solutions, and tax optimization techniques to protect assets while minimizing administrative burdens. This service ensures your financial legacy aligns with your intentions while providing ongoing support for beneficiaries during transitional periods.
Long-Term Care
This specialized service addresses future healthcare needs through proactive financial preparation. We develop customized strategies combining insurance solutions, asset protection techniques, and care coordination to maintain financial stability during extended health challenges. Our approach preserves independence while ensuring quality care access without compromising retirement security.
Investment Management
Our investment management service creates diversified portfolios aligned with individual risk tolerance and retirement timelines. We employ evidence-based strategies that balance growth potential with capital preservation, regularly adjusting allocations to market conditions. This service emphasizes cost-efficiency and tax optimization while maintaining clear communication about performance and strategic adjustments.
People
Kathleen Covey
CERTIFIED FINANCIAL PLANNER
Kathleen founded Covey & Covey in 1980 with her mother, establishing it as a fiduciary financial advisory firm. With 39 years of experience, she holds FINRA Series 1, 7, 24, 63, and 66 licenses, along with life and disability insurance certifications. A graduate of Oregon State University with cum laude honors, she has presented financial seminars at major educational institutions and corporations throughout San Diego.
Questions
What financial planning services do you specialize in?
We specialize in retirement planning, estate management, long-term care strategies, and investment management tailored to pre-retirees and retirees with $500K+ assets.
Are you legally required to act in my best interest?
Yes, as a CERTIFIED FINANCIAL PLANNER and Registered Investment Advisor, we operate under fiduciary duty, legally obligated to prioritize your financial interests.
How do you charge for your services?
We use transparent pricing: $750–$3,500 for retirement analysis, $300–$1,250 annual reviews, and $225 hourly consultations, with no hidden fees or commissions.
What makes your firm different from other advisors?
Our unique combination of 39 years' experience, fiduciary responsibility, and personalized approach addresses both financial and emotional aspects of retirement planning.
Do you work with clients outside San Diego?
While based in San Diego, we serve clients nationwide through virtual consultations and digital document management systems for comprehensive financial planning.
