Philosophy & Foundations

The Values, Perspective, and Principles Behind Frontier Financial Advisors

Our Philosophy

At Frontier Financial Advisors, we believe financial planning is ultimately about service.

Long before “fiduciary” became a marketing term, Greg Covalt built his practice around a simple conviction: do what is right for the client — even when it’s not the easiest or most profitable choice.

Being a fiduciary isn’t just a legal obligation, but a moral one.

That belief shapes how we evaluate investments, how we communicate with clients, and how we structure our planning relationships. Every recommendation is made with the client’s long-term well-being in mind.

We believe clarity builds confidence, and confidence leads to better decisions.

Faith, Stewardship, and Perspective

Faith plays an important role in how we approach our work.
While Frontier serves people from many backgrounds and belief systems, the values that guide us are rooted in:

Integrity

We do what’s right, even when no one is watching.

Stewardship

We believe financial guidance is a form of service.

Clarity

We speak plainly, explain thoroughly, and answer every question.

Relationship

We’re here for the long haul and prioritize our relationship with you.

Faith

We serve with humility, purpose, and compassion.

We believe resources — time, talent, and money — are meant to be managed wisely and used purposefully. That perspective influences how we think about retirement, legacy, and giving.

Community & Charitable Involvement

Giving back is an important part of Frontier’s identity. Greg has long supported organizations focused on education, faith, and global outreach, including:

  • Breaking Chains – Honduras
  • Eastern European Missions
  • Southern Africa Bible College
  • Middle East Asia Missions (Phillip Ganta, Naperville, IL Church of Christ)

These commitments reflect a belief that financial success carries responsibility — to family, community, and the broader world.