Covenant Wealth

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Who WeWorkWith

At Covenant Wealth, we serve individuals, families, and business professionals who are intentional about building, protecting, and transferring wealth. Our clients value disciplined planning, long-term perspective, and thoughtful financial decision-making.

Below are some of the key groups we work alongside:
Small Business Owners

Business Owners & Contractors

We understand the complexities of building a business while planning for long-term financial security. We work with business owners, contractors and their families to structure retirement plans, manage risk, and develop legacy strategies that protect both personal and corporate wealth.

Women in Business

Women in Business

Women are shaping industries and leading with vision. We provide strategic financial planning tailored to women entrepreneurs and professionals — supporting wealth accumulation, capital growth, and long-term financial independence with structure and discipline.

Christian Organizations

Christian Organizations

Grounded in shared values, we partner with churches and faith-based organizations to provide thoughtful financial stewardship. From legacy giving strategies to long-term financial planning, we help ensure your mission is supported with clarity, accountability, and sustainability.

Who We Are

Our Mission

At Covenant Wealth Financial Services, our mission is to provide disciplined retirement and wealth planning that strengthens long-term financial security. We guide clients through structured income strategies, thoughtful investment management, and intentional legacy planning — ensuring their financial decisions support stability today and sustainability for generations to come.
why go with us

Compassion, Care & Commitment

Client-Centric

Every strategy begins with a deep understanding of your priorities, long-term objectives, and financial realities. We design plans that are structured around your life — not generic financial templates.

Excellence

We pursue continual professional development, disciplined analysis, and thoughtful innovation to deliver high-caliber financial planning and investment guidance.

Empowerment

Through education and transparent communication, we equip clients to make informed financial decisions with clarity and confidence.

Community Stewardship

We are committed to strengthening families, business owners, and organizations by promoting long-term financial stability and responsible wealth stewardship.

Trust & Integrity

Transparency, ethical stewardship, and disciplined advice form the foundation of our client relationships. We are committed to providing clear guidance and acting in your best interest at every stage of the planning process.

Where We Are Going

Our Vision

To become a leading financial advisory firm recognized for disciplined retirement income planning, principled wealth stewardship, and generational legacy strategy — delivering clarity and confidence to every client we serve.
Founder & Retirement Planning Advisor

Joy A. Adams,CKA, RFRA, CCS

With over 25 years of experience in financial services, Joy A. Adams is the Founder and Chief Executive Officer of Covenant Wealth. As a Registered Financial & Retirement Advisor, she specializes in retirement income strategy, estate planning coordination, and disciplined wealth management.

Joy established Covenant Wealth with a clear purpose: to provide principled, transparent financial guidance that helps clients retire with confidence and steward their wealth with intention. Her approach integrates technical expertise with values-driven leadership — ensuring every strategy is structured, ethical, and aligned with each client’s long-term objectives.

She holds designations as a Certified Kingdom Advisor, Registered Financial and Retirement Advisor, and Certified Cash Flow Specialist, along with a Bachelor of Arts in Economics from York University.

Under her direction, Covenant Wealth continues to grow as a firm committed to excellence, stewardship, and generational legacy planning.