# John Guarino

> John Guarino is a fee-only financial advisor at Covenant Asset Management in Chester, New Jersey, who holds the CFA credential. Covenant Asset Management reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/john-guarino/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Covenant Asset Management
- **Based in:** Chester, New Jersey
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $692.6M across 665 accounts
- **Credentials:** CFA
- **CRD:** 4369702 (https://adviserinfo.sec.gov/individual/summary/4369702)
- **SEC registration:** Investment adviser representative in FL, NJ, TX
- **Firm size:** 11 employees
- **Disclosures:** None reported
- **Website:** http://www.covasset.com

## Frequently asked questions

### Is John Guarino a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: John holds no broker registration, and Covenant Asset Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does John charge for financial advice?

John's firm, Covenant Asset Management, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is John Guarino based?

John Guarino is based in Chester, New Jersey.

### What credentials does John Guarino hold?

John Guarino holds the CFA credential.

### Is John Guarino registered with the SEC?

Yes. John Guarino is registered as an investment adviser representative in FL, NJ and TX (CRD 4369702), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Covenant Asset Management manage?

Covenant Asset Management reports $692.6M across 665 accounts in assets under management.

### How do I contact John Guarino?

Through John's website, www.covasset.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4369702): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.