Financial Planning
The financial planning process is critical to success. It helps clients define goals and then creates a road map for meeting those goals. We at Voyager guide our clients through the financial planning process.
1. Retirement —
A comfortable retirement is likely to be our clients' major concern. In addition to presenting planning strategies, our experienced staff monitors clients' situations each year and/or as needs change. These services help clients to quot;stay the coursequot;.
2. Education —
With college expenses rising faster than overall inflation, saving for children's education can be daunting. We help clients recognize the difficulties and then create a saving plan. For individuals with grandchildren, we explain 529 plans and suggest gifting strategies.
3. Home Ownership —
Most often, a home is one's most valuable asset. For some, a second home may become a desirable goal. Financing options are frequently complicated so we offer professional expertise to assist in identifying the best path to follow.
4. Personal Assets —
Individual circumstances differ. Our qualified staff can help address each person's unique scenario whether that involves buying a car, leasing a car, selling a stamp collection, etc.
5. Estate —
While we do not prepare legal documents, we support a network of professionals who do. We prepare balance sheets that will make the estate planning process more seamless. In addition, we provide advice on gifting, investment location, charitable strategies, and other inquiries.
6. Budget —
Building for the future depends on sound budget strategies appropriate for our clients' retirement goals. We assist in this process.
7. Cash Flow —
At times, clients need to withdraw funds from investment accounts to supply a current need. We assist in calculating cash flow needs in an efficient withdrawal strategy. We offer more than just convenience.
8. Insurance and Risk Management —
Voyager does not sell insurance products, but we can assist in creating risk management strategies for families. We evaluate life, long-term care, and other insurance needs.
9. Special Needs —
Whether a client's situation includes financial planning for a child with special needs or a parent with particular care concerns, we are prepared to participate in the planning process.