About Us
About Swell Financial
No commissions. No conflicts of interest. No compromises.
Conflict-Free Advice from a Fiduciary
At Swell Financial, we’re different; by design. We’re fee-only financial advisors, meaning we’re paid directly by you, the client, not through products or companies. Deciding to be completely independent, allows us to be agnostic and objective when it comes to the funds we use and the recommendations we make. As a Registered Investment Advisor, we are committed to acting as your legal fiduciary, meaning we always put your interests first. This way, you can be confident you’re getting unbiased advice and not a sales pitch.
The “Right” Experience to Help You Succeed
Along with the right ethics, you want a financial advisor capable of addressing your specific needs and one that specializes in working with clients that share your unique set of financial planning challenges. At Swell, we work exclusively with folks looking to retire on their own terms within the next 5-10 years. Throughout my career, I’ve had the opportunity to help over 500 families map out their retirement, simplify their investments, and pay less in overall lifetime taxes.
Service Direct from a CFP® Professional
At Swell Financial, you will always work directly with a CERTIFIED FINANCIAL PLANNER™ professional and nothing less. In fact, less than 28% of all financial advisors are CFP’s. This certification takes years to earn, requires hundreds of hours worth of studying, and represents the highest standard of excellence in financial planning. CFP® With Swell Financial, you can rest easy knowing your finances will always be looked after by the highest standard of care.
Nick Covyeau, CFP®
Owner & Financial Planner
Hi, I’m Nick, a proud Southern California native and founder of Swell Financial.
I spent the first decade of my career serving clients at both large wealth management firms, as well as small private wealth institutions. Over time, I realized their focus was more on how to make the firm more money, rather than an emphasis on clients achieving their goals. I knew there had to be a better way.
I ultimately decided to launch my own RIA in 2021. I did this so that clients could experience the real depth that actual financial planning (when done to its fullest) has to offer.
I’m passionate about the work I do and the opportunity I get to hold space for families and make a meaningful and lasting impact in the lives of others. In 2016, I received the CERTIFIED FINANCIAL PLANNER™ designation, and am a member of the following professional organizations:
I live in Eastside Costa Mesa, CA with my wife, Kristin. Outside of the office, I enjoy spending time outdoors surfing, hiking, sailing, and going on weekend getaways. When my wife and I are not at the beach, you can find us testing out a new recipe in the kitchen or exploring a local restaurant we found on Yelp.