Covenant Wealth Management

Covenant Wealth Management Covenant Wealth Management guides select families and individuals as they discover their calling Member FINRA/SIPC.

Securities and advisory services offered through LPL Financial, a registered investment advisor. finra.org sipc.org

Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the sta

tes in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

When significant wealth is tied up in appreciated investments, liquidating can feel more complicated. Selling assets to ...
06/25/2026

When significant wealth is tied up in appreciated investments, liquidating can feel more complicated.

Selling assets to raise capital is the obvious path. It is also not always the only one.

A securities-based line of credit allows an investor to borrow using their portfolio as collateral rather than liquidating it. In the right circumstances, this can mean access to capital without triggering a taxable event while keeping the portfolio invested.

Common situations where this comes up: purchasing real estate, funding a business opportunity, helping family members, covering a large tax obligation, or managing a significant one-time expense.

It is not appropriate in every situation. Interest rates change, markets fluctuate, and borrowing introduces risk that has to be evaluated against the potential benefit. The right answer always depends on the individual's goals, cash flow, tax situation, and broader financial picture.

The value of understanding tools like this is not that they are always the answer. It is that knowing they exist expands the options before a decision is made.

06/16/2026

Peak income is one of the most important seasons to plan around, and here’s why. ▶️

For many high-income families, Social Security isn't what determines whether they'll be okay.That changes what good plan...
06/09/2026

For many high-income families, Social Security isn't what determines whether they'll be okay.

That changes what good planning looks like.

Instead of asking how to maximize it, the better question is: what role should Social Security play in the overall plan?

For families who have saved well, the real value is the flexibility it creates. The tax window before Social Security income begins, the sequence of withdrawals, and the coordination across different types of investment accounts are all decisions that matter more than the claiming age alone.

At Covenant, we help families think through planning decisions like this one so that resources are used intentionally, and options remain open for the long term.

If you have never had this conversation with your current advisors, it is worth having before the decision is in front of you. We’d welcome the opportunity to help you think through it while there is still time and flexibility to plan well.

06/02/2026

Lifestyle tends to rise alongside income. Over time, it becomes fixed before you ever decide that's what you wanted.

Contentment tends to come from margin and purpose, not from how high the lifestyle goes. Watch Rusty unpack what that looks like in practice.

Successful business owners are usually good at building something. Revenue grows. Clients stay. Reputation spreads. Howe...
05/28/2026

Successful business owners are usually good at building something.

Revenue grows. Clients stay. Reputation spreads. However, almost all of it is built around one person, and that works, right up until the moment it doesn't.

This is the question that drives early success:

"How successful is your business?”

It eventually gets replaced by this harder one: “How transferable is it without you?”

That shift is what creates a valuable, transferable asset.

If you've never had that conversation with your current advisors, it might be one of the most important ones you can have. We'd love to help you start it.

The families most content in retirement usually aren’t the ones who spent the most getting there.One physician described...
05/19/2026

The families most content in retirement usually aren’t the ones who spent the most getting there.

One physician described her approach this way. She chose to work like a doctor and live like a nurse. It was her strategic way to create flexibility, generosity, and long-term freedom.

That idea shows up consistently in the families who arrive at retirement with the flexibility to choose. They kept a gap between what they could spend and what they chose to spend. Over time, that gap became one of their most powerful planning tools.

Our team works with families at all stages of this season, making sure peak income builds the life they actually want, not simply a bigger baseline.

Many tax surprises stem from coordination problems. The income was there. The withholding drifted. The CPA and the plann...
05/12/2026

Many tax surprises stem from coordination problems.

The income was there. The withholding drifted. The CPA and the planning side weren't talking. By April, there's very little room to do anything about it.

For business owners with distributions, variable compensation, and capital gains, this happens more often than people expect.

It also tends to show up at exactly the wrong time.

When taxes are coordinated well, they fade into the background. That's the goal.

Most owners think of exit readiness as the point when it finally feels right to step back.In reality, it is far more tha...
05/05/2026

Most owners think of exit readiness as the point when it finally feels right to step back.

In reality, it is far more than that. True readiness comes from structure.

Is the business built to move forward without you?
Are your finances aligned for what comes next?
Do you know what you're actually moving toward?

These are three distinct and essential conversations, and most exit plans address only one.

We're celebrating one of our own today! 🥂Mandy Urban is now Mandy Hornsby, and our whole team couldn't be happier for he...
04/29/2026

We're celebrating one of our own today! 🥂

Mandy Urban is now Mandy Hornsby, and our whole team couldn't be happier for her.

Mandy brings so much to the work we do here at Covenant. She shows up for our clients with the same care and thoughtfulness she brings to everything in her life. Watching her step into this new season is a genuine joy.

Congratulations, Mandy! Here's to you and every good thing ahead. 🎉

Address

100 North Cherry Street, Suite 350
Winston-Salem, NC
27101

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+13364994999

Website

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