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Warren Covert

Financial Planning for the Foreign Service Community | Flat Fee | Fiduciary

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FSO Wealth Warren Covert
Dallas, TX

Serving Clients Nationwide

Financial Planning for the Foreign Service Community | Flat Fee | Fiduciary

Website

Areas of Focus

  • Cash Flow
  • Financial Planning
  • Investing
  • Retirement Planning
  • Retiring Early (F.I.R.E)
  • Roth Conversion Strategies
  • Taxes

About Warren Covert

Hi, I'm Warren Covert. I'm the Founder and Principal Advisor of FSO Wealth.

As an Eligible Family Member (EFM), I've experienced firsthand the opportunities and challenges that come with Foreign Service life. During our first overseas tour, I worked in both the GSO and ECON sections at one of our largest embassies. That experience gave me an inside view of how the Foreign Service operates, and the unique challenges officers and their families face throughout their careers.

When families are focused on PCS moves, new assignments, school transitions, CODELs, and everything else that comes with life overseas, financial planning can easily take a backseat. Starting over every two to three years only adds to the challenge. Over time, it can become increasingly difficult to measure progress, even when you feel like you've finally built a solid financial foundation.

That's why I developed our annual service calendar, a proactive planning process designed specifically for Foreign Service families. Rather than reacting to financial decisions as they arise, we focus on the right topics at the right time throughout the year. This structured approach helps ensure important opportunities and decisions aren't overlooked during the constant transitions that come with this lifestyle.

Too often, families seek financial advice when a major decision is already in front of them. By then, their options may be more limited because the groundwork wasn't put in place early enough. Our goal is to prepare you for the decisions you know are coming, and the ones you don't. That way, when the time comes to act, you're ready.

Before founding FSO Wealth, I worked in corporate financial planning and analysis, helping organizations forecast budgets and make long-term strategic decisions. I left that career when our family began our first overseas assignment. I'm also a dual U.S.-Dutch citizen, and navigating financial decisions across borders, time zones, and countries has been part of both my personal and professional life for many years.

Primary Location

539 W. Commerce St, Suite 1042, Dallas, TX 75208

Video

Meeting Options

  • Video Conference
  • Phone
  • Webinars
Book Intro Call

Compensation Methods

  • Fee Only
  • Flat Fee
  • One-time Financial Plan

What to expect in the first meeting

Click the "Book Intro Call" button above to schedule a complimentary call. We'll discuss your goals, answer your questions, and explain our services, process, and fees. At the end of the call, you'll know whether we're a good fit. I look forward to speaking with you.

Offers Investment Management

Yes

About FSO Wealth

At FSO Wealth, we help the Foreign Service community bring structure to their finances so they're prepared for the decisions they know are coming and the ones they don't. From TSP and FSPS planning to taxes, investments, rental properties, and retirement, we help ensure financial decisions stay aligned throughout overseas assignments, career transitions, and beyond.

Who We Serve

Our specialty is serving the Foreign Service community and dual-career households. If one career touches the Foreign Service and the other is in the private sector, there's a good chance we're a great fit.

We understand firsthand the challenges that come with the Foreign Service lifestyle. Whether you're navigating a PCS, managing overseas allowances, deciding between Roth and traditional TSP contributions, planning for retirement under FSPS, or managing a rental property back home, the financial decisions you face are often very different from those of households that stay in one place.

Our Services

Every plan is personalized, but most clients seek guidance on retirement planning, investment strategy, tax planning, cash flow management, education funding, real estate decisions, and building long-term wealth.

Our Approach

Clients receive access to our secure planning portal, where they can view their financial plan, track progress, and keep important information organized from anywhere in the world. We offer both ongoing planning relationships and one-time comprehensive financial plans, providing flexibility as needs and circumstances change.

Education

Haarlem Business School, The Netherlands (BBA)

Hobbies and Interests

  • Beach
  • Family
  • Music

SEC Lookup

View Disclosure

Who We Serve

  • Americans Living Abroad
  • Dual Income Family
  • Expats
  • Families
  • Gen X
  • Government Employees
  • Individuals
  • Intergenerational Families
  • Investors
  • Living in Retirement

Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Get answers to frequently asked questions regarding the services offered by Warren Covert View Disclosures

FAQs

Do you actually understand FSPS, TSP, and Foreign Service benefits?
Yes. Foreign Service financial planning is the focus of this practice, not a niche we occasionally serve. The planning process is built around FSPS, TSP, overseas allowances, assignment-driven moves, and EFM career transitions because those are recurring issues for the families we serve.
Are you a fiduciary, and how do you get paid?
Yes. We're fiduciaries, which means we're legally obligated to put our clients' interests first. Everything we're paid comes from the people we work with, never from a fund company, bank, insurer, or custodian. We charge a flat fee for advisory work. No commissions. No revenue sharing. No fees tied to the size of your accounts.
Do you work with people currently posted overseas?
Yes, and the practice is built for it. Meetings are virtual, usually via Microsoft Teams, and our scheduling link shows availability in your local time zone. Whether you're in Nairobi, Frankfurt, or Bogotá, we find a time that works at your post.

FAQ Disclosures

Still have questions? Contact us today and we’ll be happy to help.

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