Planning Solutions

Financial Planning to Minimize or Eliminate Tax Liabilities

Voyager Capital Management's financial planning process focuses on tax planning. As opposed to the standard industry approach of providing a series of projections, we prepare a cash flow analysis that estimates short-term tax liabilities such as estate taxes and estate income taxes from IRAs or 401(k)'s.

Based on that data, and as part of a client advisor team, we strategize with the client's other advisors (attorney, trust officer, CPA, etc.) to consider all options in order to minimize or eliminate tax liabilities.

For our higher net worth clients, estate planning may be the first step. On behalf of the client, the advisor team attorney will prepare estate planning documents which may include charitable remainder trusts, private foundations, irrevocable life insurance trusts and other highly sophisticated planning techniques where appropriate.

Federal and state security laws demand a strict code of conduct for professionals working within the financial services industry. However, the Certified Financial Planner Board's Code of Ethics and Professional Responsibility demands an even higher ethical standard. The CFP licensees who are employees of Voyager Capital Management must abide by these higher standards.