Fiduciary Consultation
Clients
Practical guidance on retirement income planning, taxes, and investing for pre-retirees and retirees.
Many standard retirement plans rely on generic assumptions that don't hold up for real households. Here are six considerations that off-the-shelf projections often overlook, and what they can mean for your retirement income.
Read the articleThe Social Security tax torpedo, IRMAA surcharges, RMDs, and more. Here's how these rules interact and what you can do before they become expensive surprises.
Your tax situation changes dramatically when you stop working. Here's how to plan for RMDs, Roth conversions, and Social Security taxation before they catch you off guard.
Most investors assume anyone giving financial advice is legally required to act in their best interest. That assumption is often wrong. Here's what the distinction actually means.
Most people don't think about how their financial advisor gets paid. Then they realize the advice wasn't really advice at all. Here's why the fee-for-service model changes that.
Your risk questionnaire score is only half the picture. Willingness and capacity to take investment risk are two distinct dimensions, and confusing them is one of the most common mistakes in retirement planning.
Sequence of returns risk is one of the most consequential risks in retirement planning. Learn what it is, why timing matters, and how a retirement spending plan can help you prepare.
Wondering when you can actually retire? Use this step-by-step checklist to assess your retirement readiness: income, savings, healthcare, and more.
Borrowing from your 401(k) may seem like a smart move before retirement, but the real cost isn't the interest rate. It's the growth you give up while your money sits uninvested.
A retirement plan is more than a binder of projections. A real financial plan will give you a clear path for what needs to get done every year.
Tax diversification matters if you are retiring in Mississippi. Spreading your savings across different accounts helps you control your tax bill in retirement.
Voyage Wealth Management, LLC, is an investment adviser registered with the state of Mississippi. This content is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.
References to any securities or performance data are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. Investments in securities involve the risk of loss. The content speaks only as of the date indicated. Any projections, estimates, forecasts, or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.