9AT: COVENANT ASSET MANAGEMENT, LLC

Adviser Profile

As of Date	03/19/2026
Registration	SEC, Approved, 03/18/1999
ADV Location	CHESTER, NJ, United States
Contact Info	908 xxxxxxx
Websites

AUM^*	692,597,497 40%
of that, discretionary	692,597,497 40%
Number of Employees	11
of those in investment advisory functions	8
Private Fund GAV^*	0
Avg Account Size	1,041,500 16%
% High Net Worth	61.95% -1%
SMA’s	Yes
Private Funds	0

Adviser Type

- Large advisory firm

Client Types

- Individuals (other than high net worth individuals)
- High net worth individuals
- Pension and profit sharing plans
- Charitable organizations
- Corporations or other businesses not listed above

Advisory Activities

- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

Compensation Arrangments

- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

Adviser	Hedge Fund	Liquidity Fund	Private Equity Fund	Real Estate Fund	Securitized Asset Fund	Venture Capital Fund	Other Fund	Total Private Fund GAV	AUM	#Funds
Adviser SPINOSA WEALTH MANAGEMENT GROUP	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM191.4m	#Funds-
Adviser EAGLE HARBOR ASSET MANAGEMENT, INC.	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM160.9m	#Funds-
Adviser KLCM ADVISORS, INC.	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM1.9b	#Funds-
Adviser MODEL WEALTH	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM318.2m	#Funds-
Adviser MAZARS WEALTH ADVISORS	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM193.3m	#Funds-
Adviser TBH GLOBAL ASSET MANAGEMENT, LLC	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM1.5b	#Funds-
Adviser STONEBRIDGE CAPITAL MANAGEMENT INC	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM268.7m	#Funds-
Adviser SHOKER INVESTMENTS	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM510.8m	#Funds-
Adviser IRONWOOD INVESTMENT COUNSEL, LLC	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM1.8b	#Funds-
Adviser 8TH STREET INVESTMENTS, LLC	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM166.9m	#Funds-

Brochure Summary

Overview

After spending nearly 20 years employed at two of NJ's largest bank trust departments, John Guarino founded Covenant Asset Management in February 1999. The Firm now provides investment advisory services for over 225 wealth management clients. Our mission is to deliver superior asset management services to affluent individuals, businesses, and non-profit organizations. Many investors lack the time, interest, or experience to adequately address their financial needs. Through the development of intimate professional relationships with our clients, we are uniquely positioned to assist in the optimization of their financial objectives. With integrity and commitment, we take responsibility for preserving and enhancing client assets. Achieving this objective requires an insightful understanding of client needs, matched against available investment opportunities. We offer an exclusive brand of investment advisory services to our clients by combining independent research with personalized service. As a result, our clients gain the advantage of complete transparency

of their assets and direct access to the decision makers within our organization. We are driven by an unwavering commitment to service excellence, integrity, honesty and confidentiality. And as a fiduciary, we always exercise prudence, diligence, loyalty and the highest standard of care within all client relationships. Covenant does not manage or place client assets into a wrap fee program. All asset management services are provided directly by Covenant. The Firm managed $494,361,326 of client assets as of December 31, 2023. All client assets are managed on a discretionary basis. Clients may restrict their investment portfolio from certain securities or certain types of securities. Covenant also offers clients a broad range of financial planning services. These services are typically included as a component of Covenant’s discretionary asset management services or can be provided on a separate stand-alone basis. The Firm is organized as a limited liability company in the State of New Jersey. John Guarino is the sole member of the LLC and its 100% owner.

COVENANT ASSET MANAGEMENT, LLC

COVENANT ASSET MANAGEMENT, LLC

COVENANT CAPITAL MANAGEMENT LLC

Adviser Profile

Details

Adviser Type

Client Types

Advisory Activities

Compensation Arrangments

Reported AUM

Private Funds

Employees

Similar advisers

Brochure Summary

Overview

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COVENANT ASSET MANAGEMENT, LLC COVENANT ASSET MANAGEMENT, LLC COVENANT CAPITAL MANAGEMENT LLC

Adviser Profile

Details

Adviser Type

Client Types

Advisory Activities

Compensation Arrangments

Reported AUM

Private Funds

Employees

Similar advisers

Brochure Summary

Overview

COVENANT ASSET MANAGEMENT, LLC

COVENANT ASSET MANAGEMENT, LLC

COVENANT CAPITAL MANAGEMENT LLC