Protecting people, families and futures for more than 25 years

About Us

Covenant Wealth Financial Services

Joy has been in the financial services industry for over 20 years. She is a Certified Cash Flow Specialist and a Group Benefits Advisor.

Her knowledge of cash flow planning and credit reporting has proven invaluable to her clients. She has worked with many of her clients to reduce excessive spending and inefficient interest leakages so they can refocus their resources on the things that matter to them while building their wealth.

Joy’s extensive group benefits knowledge has allowed her the privilege of working with fast-growing technology startups in implementing flexible and cost-effective health benefits packages to support their growth.


20 Years of Experience

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What we Do

How We Do It

We believe that money mindsets and financial literacy go hand in hand in achieving financial success. When clients are empowered, they are motivated to stay the course of their financial journey.

Financial Solutions for
Persons and Businesses

All Cash Flow Management Group Benefits Life Insurance Wealth Management

Cash Flow Management

We work with our clients to build sustainable wealth over…
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Critical Illness Insurance

Critical Illness insurance is a living benefit that covers approximately…
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Disability Insurance

If you or a solopreneur or a professional who do…
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Group Health Insurance

Whether it is life or health insurance, we create a…
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Group Retirement Saving Plan

Retirement planning is more behavioural than it is science. Without…
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Health & Dental Insurance

Solopreneurs, part-time workers and employees who do not have access…
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What our clients are saying about us

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