# Cove Wealth Management

> Cove Wealth Management is an SEC-registered investment advisory firm in Houston, TX, registered since 2023, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated April 14, 2026.

- CRD: 114236
- Filed as: COVE WEALTH MANAGEMENT
- Legal name: Valued Retirements, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Houston, TX
- Filing period: October 2026
- Form ADV filing dated: April 14, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/114236
- AdvisorCensus page: https://advisorcensus.com/firm/cove-wealth-management-houston-tx-114236

## Quick answers

**How is Cove Wealth Management compensated?**
On its Form ADV (Item 5.E, October 2026), Cove Wealth Management reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Cove Wealth Management charge?**
Its Form ADV Part 2A brochure dated March 13, 2026 states: Flat fee: $4,000 to $10,000 (financial planning and consulting services); Subscription: $1,000 to $20,000 a month (Wealth Coordination). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Cove Wealth Management located?**
Cove Wealth Management's principal office is in Houston, TX, according to its Form ADV; the May 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Cove Wealth Management registered with the SEC or a state?**
Cove Wealth Management is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 114236.

**How much does Cove Wealth Management manage?**
Cove Wealth Management reports $190,117,019 in regulatory assets under management in its Form ADV filing dated April 14, 2026 (100% discretionary).

**How have Cove Wealth Management's assets and staff changed since 2023?**
In the Form ADV data for Cove Wealth Management: Regulatory assets under management: $118,135,172 in the October 2023 data and $190,117,019 in the October 2026 data, up 61%. Total employees: 3 in October 2023 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Cove Wealth Management serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (49); individuals (other than high net worth individuals) (40); charitable organizations (1).

**Which custodians does Cove Wealth Management use?**
Cove Wealth Management's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Cove Wealth Management report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/114236

**What changed in Cove Wealth Management's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 4 to 3. Regulatory assets under management went from $166,632,928 to $190,117,019 (+14%). Updated its list of owners and control persons (Schedule A).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 13, 2026)

- Minimum annual fee: $4,000

> The minimum annual Investment Management fee is $4,000.

- Flat fee: $4,000 to $10,000 (financial planning and consulting services)

> CWM charges a fixed fee for providing financial planning and consulting services under a stand -alone, separate contract. ... range from $4,000 to $10,000.

- Subscription: $1,000 to $20,000 a month (Wealth Coordination)

> Wealth Coordination fees are structured as a monthly flat fee charged in addition to investment management or financial planning fees. The fees for Wealth Coordination range from $ 1,000 to $20,000 monthly

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $190,117,019
- Discretionary: $190,117,019
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 40 | $13,765,062 |
| High net worth individuals | 49 | $175,567,641 |
| Charitable organizations | 1 | $722,401 |
| Corporations or other businesses not listed above | 1 | $61,915 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2023 (3 years)
- Employees: 4 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: NM, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the May 2026 filing
- Albuquerque, NM

### Websites listed on Form ADV (Item 1.I)
- covewm.com
- valuedretirements.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | $118,135,172 | 3 | September 27, 2023 |
| October 2024 | $150,898,515 | 4 | August 12, 2024 |
| October 2025 | $166,632,928 | 6 | July 28, 2025 |
| October 2026 | $190,117,019 | 4 | April 14, 2026 |

Regulatory assets under management: $118,135,172 in the October 2023 data and $190,117,019 in the October 2026 data, up 61%.
Total employees: 3 in October 2023 and 4 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 4 to 3.
- Regulatory assets under management went from $166,632,928 to $190,117,019 (+14%).
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Cove Wealth Management (CRD 114236): Form ADV filing data as of October 2026.