Nick Covyeau, CFP®
I help people over Age 50 pay less in taxes in retirement
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Areas of Focus
- Estate Planning
- Financial Life Planning
- Investment Management
- Living in Retirement
- Money Psychology
About MeI'm a fee-only financial planner focused on helping families pay less in taxes throughout their retirement.
Retirement Planning can be confusing but it doesn't have to.
In fact, I designed an entire firm, Swell Finacial, around the idea of solving this issue for my clients and everything retirement-related. We created a process that begins the work many years before retirement by putting in place proactive tax strategies and learning how to invest smarter.
I spent the first decade of my career serving clients at both large and small financial institutions but ultimately decided to leave and start my own RIA.
I did this so people could experience real financial planning and see the difference, rather than being sold a product.
I'm a believer that smaller is better when it comes to the number of clients an Advisor works with and that Advisors can provide more value by being an expert in one space.
I help answer questions like:
• How much money do I need to retire?
• When should I take Social Security?
• How much can I spend in retirement?
• How do I pay less in taxes in my retirement?
What do I do?
✅ Help you discover and take action towards the thing you have always wanted to do when it comes to retirement
✅ Implement a Written Financial Plan that is tailored specifically to getting you closer to your goals
✅ Work together, collaboratively, on an ongoing basis to monitor your progress, and make adjustments where needed.
Financial Planning is a VERB designed to move, change, shift and adapt with your life. Your life isn't static, neither should your financial plan.
Who we do our best work with:
Age: Individuals and Families over the Age of 50
Goals: Seeking retirement within the next 5-10 years
Target: An ability to see the value of advice and delegate to a team of trusted professionals like CFP's, CPA's and Estate Planning Attorney's.
Location: Anywhere throughout the U.S.
I look forward to connecting!
~Nick Covyeau, CFP®
- CERTIFIED FINANCIAL PLANNER™ Professional
- Fee Only Network
- Financial Planning Association
- National Association of Personal Financial Advisors
- XY Planning Network
150, Paularino Avenue, Costa Mesa, California, 92626
- Video Conference
- Fee Only
- Flat Fee
- Percentage of Assets Managed
What to expect in the first meetingInitial Phone Appointment: Before committing your time or ours, our Introductory 15-minute phone call will give us both a chance to make sure your situation matches our expertise. After all, you wouldn’t see a Personal Injury Lawyer if you needed an Estate Plan. If we aren’t a good fit for each other we will gladly introduce you to a firm who is better suited to your needs.
Offers Investment Management
About our Firm✅ No commissions. No conflicts of interest. No compromises.
✅ Conflict-Free Advice from a Fiduciary - At Swell Financial, we’re different; by design. We’re a fee-only financial advisor, meaning we’re paid with fees, not commissions. We’re also completely independent, with no ties to product companies. As a Registered Investment Advisor, we are commited to acting as your legal fiduciary, meaning we always put your interests first. This way, you can be confident you’re getting real advice and not a sales pitch.
✅ The Experience to Help You Succeed - Along with the right ethics, you need a financial advisor capable of addressing your needs and finding efficient solutions. At Swell, we’ve got the experience to help you achieve your goals. Throughout my career, I’ve had the opportunity to help more than 500 families plan their financial lives, manage their investments, and prepare for a successful retirement. So we’re well-equipped to help you tackle your toughest financial challenges and manage risks in today’s complex environment.
✅ Service Direct from a CFP® Professional - At Swell Financial, you’ll work directly with a CERTIFIED FINANCIAL PLANNER™ professional. Less than 28% of all financial advisors are CFP®’s. This certification takes years to earn, hundred of hours worth of studying, and represents the highest standard of excellence in financial planning. CFP® professionals must meet rigorous education, training, and ethical standards and stay up to date with continuing education requirements. With Swell Financial, you can rest easy knowing your finances will always be looked after by a higher standard of care.
Biola University Crowell School of Business, Bachelor of Business Administration , Management
Hobbies and Interests
- Eating Out
Who We Serve
- Baby Boomers
- Business Owners
- Corporate Executives
- Dual Income Family
- Gen X
- Gen Y / Millennials
- Living in Retirement
- Single Women
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