Covenant Investment Advisors
Screen Shot 2017-01-18 at 10.54.18 AM.png

Covenant investment Advisors

Financial Planning and Investments

Independent Advisors...
Focusing on Your Needs First

Protect your future. Ease your mind. We can help.

5 Pillars of Our Investing Approach:

Covenant Investment Advisors’ approach rests on five pillars that ensure you get the very best service possible:  

Compensated for Success

We don’t make money off of commissions, or represent one particular family of funds.  We are independent and fee-only, which means our only portfolio management income comes from a small percentage of your assets, not from needless trading.  We only succeed if our clients succeed.


We take a global approach, avoiding overconcentration in the US markets, and encouraging our clients to diversify their risk across a wide range of global regions and asset classes.  More diversification means more opportunity and lower risk.

Comprehensive Analysis

We are highly motivated to find the most cost-effective funds for implementing our clients’ goals.  Within each asset class, we isolate the funds that combine excellent management with the lowest expense ratios, and we stick with them, avoiding excess trading costs. Every dollar that we save in fund management and trading costs is another dollar that is available to work for you.


We do not have prepackaged funds or portfolios that we slot our clients into.  We carefully analyze each client’s circumstances and goals to construct and maintain a portfolio and financial plan specifically tailored for the client’s needs.  We recognize that every client is unique. 

Cost Consciousness

We do not simply extrapolate forward recent trends to project expected risk and returns.  Instead, we rely on time-honored quantitative valuation methods and very long-term historical data to reduce exposure to bubbles and make sure the assets you are investing in are fairly valued.  Building on a firm foundation means you can face market fluctuations with confidence.

Receive a Free Investing Guide

Click below to receive our 18-page synopsis of William Bernstein's acclaimed Four Pillars of Investing.


Rick Littlejohn

After graduating from Princeton University in 1982, Rick Littlejohn spent fifteen years leading a chain of supermarkets in the Southeast until he retired from that in 1997 to run his own business. He had always enjoyed studying the world of finance ... Read More


Brad Littlejohn

Brad Littlejohn, Rick's eldest son, studied in Moscow for five years and helped start the business before pursuing his Ph.D at the University of Edinburgh, where he continued to serve clients and manage accounts from a distance. He now lives and works in Moscow ... Read More



Ellis Eifert

Ellis Eifert joined the firm in October of 2011 after receiving his license to be a Registered Investment Advisor. He graduated with his undergraduate degree from New St. Andrew's College in 2008. In 2011 he graduated with his J.D. from Regent University ... Read More


Isaac Waitman

Isaac Waitman is the newest member of the firm. He joined as an intern in April of 2016, and became a licensed Investment Advisor Representative the following summer. He currently attends New Saint Andrews College where he is on track to receive a B.A. in May of 2018.... Read More