>>Joy A. Adams

About Joy A. Adams

Joy is the founder and CEO of Covenant Wealth Financial Services. She is also an entrepreneur, Business Mentor and Certified Cash Flow Specialist.

How To Reduce Your Debt in 2018


A painless way to cut back on expenses With the current economic uncertainty, many people are looking for ways to reduce expenses. A relatively painless way to reduce your monthly expenses is to have a second look at the way you’re managing your debt. Over time, most of us take out a variety of loans [...]

How To Reduce Your Debt in 20182018-03-26T16:10:42-04:00

Canada Learning Bond


  Nearly 2 Millions Low Income Students Missing Out On Education Cash!    This was the headline of TB News Watch that caught my attention.  This is free money and only 34.7 per cent of those eligible for the Canada Learning Bond Program are actually enrolling their children? Canada Learning Bond program provides no-strings-attached RESP deposits of up to [...]

Canada Learning Bond2018-03-26T15:55:12-04:00

How Can I Pay Less Tax?


RRSPS Can be taxed at death -but they don’t have to be. Submitted by: Sun Life Financial / May 1, 2017 Registered retirement savings plans (RRSPs) continue to be a major part of Canadians’ assets. In 2015, the average contribution amount rose from $3,737 to $4,117 for the 53% of Canadians that contributed to an [...]

How Can I Pay Less Tax?2018-03-26T15:52:50-04:00

New Year’s resolutions for healthy eating you can keep


Written by Sylvie Tremblay|January 12, 2018|Sun Life Financial — Vowing to eat better this year? Some of the most common nutrition resolutions aren’t easy to keep. Here are 3 to skip, and how to replace them. Pledging to improve your eating habits in the coming year? If so, you’re not alone: Roughly 1 in 3 [...]

New Year’s resolutions for healthy eating you can keep2018-03-26T15:41:19-04:00

3 Things You Need To Know About Life Insurance


Life insurance should really take center stage when it comes to financial planning. Yes, we need cash flow planning, a will, and an emergency fund. These are all important pieces of the financial puzzle. But life insurance does something that no other planning tool or investment vehicle does – it buys us time. It puts [...]

3 Things You Need To Know About Life Insurance2018-03-30T01:59:05-04:00

Financial Planning Solutions for You and Your Family


With the Behavioural Cash Flow Plan as a backdrop we can now create a financial plan which takes into consideration a longer time horizon, help clients to select appropriate insurance and investment products to reach their goals.

Financial Planning Solutions for You and Your Family2019-01-16T05:41:30-04:00
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