Cove Wealth Management

Cove Wealth Management, operating as a dba of Valued Retirements, Inc., is a Registered Investment Adviser based in Houston, TX. Established by Cory & Sarah Mizell and Malcolm Morris, the firm specializes in fee-only investment management, financial planning, and wealth coordination services. As of December 31, 2024, Cove Wealth Management had $166,632,928 in total assets under management on a discretionary basis. The firm requires clients to complete written contracts outlining the advisory relationship before providing any services. Cove Wealth Management acts as a fiduciary, obligated to act in the best interests of clients. For financial planning and consulting services, fees range from $4,000 to $10,000, while investment management fees are based on a percentage of assets under management, starting at 1.0% for the first $5 million. Wealth Coordination services are offered at a monthly flat fee ranging from $1,000 to $20,000 based on complexity. The firm does not engage in performance-based fees and provides services to individuals, trusts, estates, charitable organizations, businesses, and pension and profit-sharing plans. Cove Wealth Management's investment strategies involve a mix of publicly traded investments, individual securities, and mutual funds. The firm emphasizes long-term investing and offers tailored financial plans, risk management, and estate planning services. Clients have the option to grant the firm investment discretion, allowing Cove Wealth Management to make decisions on their behalf. The firm does not accept compensation for client referrals and maintains custody of client funds through qualified custodians. Clients receive regular account statements and reports, and the firm reviews portfolios annually. Cove Wealth Management does not vote on client securities and has not been involved in any legal or disciplinary events.