# Nick Covyeau

> Nick Covyeau is a fee-only financial advisor at Swell Financial in Costa Mesa, California, who holds the CFP credential. Nick focuses on retirement planning. Swell Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/nick-covyeau/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Swell Financial
- **Based in:** Costa Mesa, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $27.9M across 42 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning
- **Works with:** Retirees
- **CRD:** 6395797 (https://adviserinfo.sec.gov/individual/summary/6395797)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 63 (2014), Series 65 (2016)
- **Firm size:** 1 employee
- **Disclosures:** Reported; see the SEC record
- **Website:** https://swellfinancialpartners.com

## Frequently asked questions

### Is Nick Covyeau a fee-only financial advisor?

Yes. Nick Covyeau is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Nick's firm.

### How does Nick charge for financial advice?

Nick's firm, Swell Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Nick Covyeau based?

Nick Covyeau is based in Costa Mesa, California.

### What does Nick specialize in?

Nick's specialties include retirement planning. Nick works with retirees.

### What credentials does Nick Covyeau hold?

Nick Covyeau holds the CFP credential.

### Is Nick Covyeau registered with the SEC?

Yes. Nick Covyeau is registered as an investment adviser representative in CA and TX (CRD 6395797), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. The record lists disclosures; see the SEC record for details.

### How much does Swell Financial manage?

Swell Financial reports $27.9M across 42 accounts in assets under management.

### How do I contact Nick Covyeau?

Through Nick's website, swellfinancialpartners.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/47522): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.swellfinancialpartners.com/): specialties, clients served, and fees, checked October 28, 2026

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