Neal D. Clemens, CLU, ChFC
Financial Adviser

Welcome
 
Welcome to the website of Covenant Financial Advisors, located in scenic Holmes County, Ohio. Here you will find a wealth of information to help you plan for a secure financial future. Our goal is to help you invest wisely and reap bountifully.
 
We are an Independent Firm

Neal Clemens, Chartered Financial Consultant (ChFC), and Chartered Life Underwriter (CLU), is founder and president of Covenant Financial Advisors. We offer investments through CFD Investments, Inc. (CFD), an independent securities firm. This means that CFD is not owned by a bank, insurance company or other other product sponsor, and we have no obligation to recommend any single company's investment or insurance products, and we are not limited to what one firm has to offer. As independent brokers, we seek the best options for our clients from a number of providers, rather than working with one particular financial service company. Our priority is to serve you, not any single investment firm or insurance company.

How Can an Advisor Help?
 
We believe that achieving your financial goals is almost always easier when you work with an advisor. We assist you in developing a coordinated strategy to help you meet your goals by monitoring how investments and other areas of your financial life can and should work together.

In my 25 years of experience in financial services, I have found that many people have various accounts scattered among different institutions (401-k plans, IRAs, CDs, savings accounts, multiple insurance policies, etc.), but often they do not have one person who helps them coordinate and monitor how these accounts can and should work together.
I strive to serve my clients by shedding light in their financial lives with the objective that they reach their goals by coordinating their efforts in these various areas.

Often, the first step in understanding your financial position is to prepare an extensive, personalized financial inventory. This includes a review of investments, savings goals, retirement plans, estate planning, legal documents* and insurance plans.
 
Next we will discuss your goals and help you develop a plan to achieve them. It is then critical to monitor and periodically evaluate progress and make any needed adjustments, based on then-current circumstances.
 
We would be happy to discuss different strategies for protecting your investments during unstable economic times.

cfd Investments, Inc. (the firm that I offer investments through) is an independent securities firm.  This means there is no obligation on my part to recommend any single organization’s investment or insurance products.  I believe that this results in greater objectivity in my recommendations, and allows me to shop the market on behalf of my clients for the best match that I can find to address their specific needs.  I work for and with you- not for a product sponsor or insurance company!

Whenever possible, I attempt to harmonize the personal faith values of my clients with their investment holdings.  Often, people are unaware that they have choices in the way that their money is invested and the values that it supports.  I strive to avoid investments that produce or promote products or services that are inconsistent with the values of my client.  Although this may not be possible in every instance, it is a goal to work toward.

Digging Deeper
 
Click on the links provided to learn more. Try the Investor Profile. Explore the services we have to offer.
 
Questions?    Please e-mail us! Click on “contact Neal” and you will receive a prompt response from me. I would love to hear from you!

Sincerely,

Neal D. Clemens, CLU, ChFC
Covenant Financial Advisors -.Sow Wisely, Reap Bountifully!

*legal services provided by unaffiliated legal practitioners