Our Team

Robert G. Topping, MBA, CFP®

Robert G. Topping, the founder and owner of Covenant Wealth Advisors has been a financial advisor since 1983. From 1985 to 2000 he was principal and owner of an independent financial planning and investment company. From 2000 to 2002, he was a principal with a large national, fee-only planning and investment firm that managed over $2 billion in assets. His area of expertise includes retirement planning, portfolio design and investment management. 

Rob has taught personal financial planning at the Golden Gate University Graduate School of Banking and Finance in San Francisco. In addition, he is a volunteer with Crown Ministries, an interdenominational ministry involved with helping people in the area of finances and stewardship. He currently serves as a Deacon at the Williamsburg Community Chapel. He has also been on the board of directors for the Williamsburg Community Foundation where he served as treasurer.

He received his BA from the University of Virginia and his MBA from the College of William & Mary. He received his Certified Financial Planner™ designation in 1983.

Rob is a member of the Past Presidents Advisory Council of the Financial Planning Association of the National Capital Area having served as a past President of the Northern Virginia Society of the Institute of Certified Financial Planners (ICFP). The ICFP is one of two predecessor organizations merged into the Financial Planning Association. He has been listed by Washingtonian Magazine as one of the Experts Who Can Put Your Financial House in Order (based on peer recommendations).

Contact: rtopping@mycwa.com


Robert C. Smith, MBA, CFP®

Robert C. Smith has worked in the financial services industry since 1997.  He joined Covenant Wealth Advisors as an associate in 2005.  He is a Certified Financial Planner™ and has provided portfolio analysis, financial plans and investment advice for several hundred clients in the Williamsburg, Virginia area.  Previously, Rob helped establish a new branch office for Charles Schwab and Co. and was recognized as the top representative for over four years. 

Before entering the financial planning and investment business, Rob was with Newport News Shipbuilding for 18 years.  He served in a variety of capacities, including nuclear engineering, human resources, finance and marketing.  During this period he earned the MBA degree from the College of William and Mary.  He was inducted into the Beta Gamma Sigma collegiate business honor society in recognition of high scholastic achievement.

Rob earned the BS degree from the U.S. Naval Academy and served five years active duty aboard two ships based in Jacksonville, Florida and Norfolk, Virginia. 

He is an active member of the Financial Planning Association (FPA).  Rob is also a member of the Williamsburg Community Chapel where he serves as an elder. 

Contact: rsmith@mycwa.com.


Sean A. Mackey

Sean Mackey joined Covenant Wealth Advisors in August, 2016. He graduated, Magna Cum Laude from Liberty University with a Bachelor of Science degree in Business Administration. His concentration was in Financial Planning and has achieved the academic requirements to sit for the CFP exam. Currently, he is in the process of completing the Kingdom Advisors Core Training program.

While in college, Mr. Mackey worked for API Funds analyzing portfolio holdings and designing marketing materials. He also was a portfolio manager for the Student Asset Management Fund. In addition, he served as president of Enactus, a global non-profit community of academic and business leaders committed to using the power of entrepreneurial action to transform lives and shape a better more sustainable world.

Sean grew up in Grove City, PA and enjoys hiking, kayaking, traveling and photography.


Terri Leonard, RP

Terri Leonard has been with Covenant Wealth Advisors since July of 2011 and is responsible for client service. Previous to joining the firm she was in the healthcare industry and worked as a Certified Ophthalmic Assistant.

Ms. Leonard has an A.S. in Business Administration from Thomas Nelson Community College where she was in the Phi Theta Kappa Honor Society. She completed the requirements to obtain the Registered Paraplanner℠ designation in 2012.

Terri is a native of Williamsburg and has a beautiful daughter, Layla. She enjoys sports and country music.

Contact: tleonard@mycwa.com.