Financial planning from insidethe Foreign Service world.

Hi, I'm Warren Covert. I'm the Founder and Principal Advisor of FSO Wealth.

As an Eligible Family Member (EFM), I've experienced firsthand the opportunities and challenges that come with Foreign Service life. During our first overseas tour, I worked in both the GSO and ECON sections at one of our largest embassies. That experience gave me an inside view of how the Foreign Service operates, and the unique challenges officers and their families face throughout their careers.

When families are focused on PCS moves, new assignments, school transitions, CODELs, and everything else that comes with life overseas, financial planning can easily take a backseat. Starting over every two to three years only adds to the challenge. Over time, it can become increasingly difficult to measure progress, even when you feel like you've finally built a solid financial foundation.

That's why I developed our annual service calendar, a proactive planning process designed specifically for Foreign Service families. Rather than reacting to financial decisions as they arise, we focus on the right topics at the right time throughout the year. This structured approach helps ensure important opportunities and decisions aren't overlooked during the constant transitions that come with this lifestyle.

Too often, families seek financial advice when a major decision is already in front of them. By then, their options may be more limited because the groundwork wasn't put in place early enough. Our goal is to prepare you for the decisions you know are coming, and the ones you don't. That way, when the time comes to act, you're ready.

Before founding FSO Wealth, I worked in corporate financial planning and analysis, helping organizations forecast budgets and make long-term strategic decisions. I left that career when our family began our first overseas assignment. I'm also a dual U.S.-Dutch citizen, and navigating financial decisions across borders, time zones, and countries has been part of both my personal and professional life for many years.

If you'd like to learn more, I'd be happy to answer your questions through the contact form below.