Free Consultation
Hire a partner, not a sales professional.
It's your life, your money, and ultimately your plan. We work alongside you to shape your future, rather than sit across the table and tell you what to do.
A financial plan isn't a stack of charts and graphs. Those are financial projections. A financial plan tells you what you need to do, when you should do it, and why it matters.
You shouldn't need a million dollars to get sound financial advice. Some models only support the wealthy. Our flat fee approach gives you access to fiduciary advice from a fee-only advisor.
At some firms, commissions from insurance products and "A Share" Mutual Funds pay for the advice you receive, whether that's best for you or not. Our advice focuses on what helps you, not on what earns us a commission.
Getting your savings system in place early changes the math permanently.
* Assumes a 7.5% average annual rate of return, compounded monthly, until age 65. Contributions are made monthly.
* This illustration is hypothetical and for educational purposes only. Actual investment returns will vary and are not guaranteed. All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. This does not constitute investment advice.
There's a fundamental difference between filing your taxes and managing them. One looks backward. The other puts money back in your pocket before April ever arrives.
Move money from pre-tax to tax-free at the right time, especially in low-income years before RMDs begin.
Sell underperforming positions to offset gains, reducing your tax bill without abandoning your investment strategy.
Stay ahead of quarterly obligations so you're never caught off-guard and never paying unnecessary penalties.
Place the right investments in the right accounts (taxable, tax-deferred, and tax-free) to minimize drag over time.
Identify and implement strategies that generate legitimate deductions, reducing your taxable income before the year ends.
| What you get | Launch | Navigate | Ongoing |
|---|---|---|---|
| Planning foundation | |||
| Cash flow & spending plan | ✓ | ✓ | ✓ |
| Debt strategy | ✓ | ✓ | ✓ |
| Insurance gap review | ✓ | ✓ | ✓ |
| Retirement needs analysis | ✓ | ✓ | ✓ |
| Homebuying & refinancing | ✓ | ✓ | ✓ |
| Advanced planning | |||
| Income tax planning | – | ✓ | ✓ |
| Retirement tax planning | – | ✓ | ✓ |
| Retirement probability model | – | ✓ | ✓ |
| Retirement income planning | – | ✓ | ✓ |
| Estate plan coordination | – | ✓ | ✓ |
| Ongoing access | |||
| Quarterly check-ins | – | – | ✓ |
| Business cash flow planning | – | – | ✓ |
| Business tax planning | – | – | ✓ |
Not every financial challenge maps to a standard engagement. Sometimes you need focused work on a single problem: a rollover decision, an inheritance, a buyout, a one-time analysis you can actually use.
Custom projects are scoped around what you need. We define the deliverable, agree on the fee, and get it done.
Tell Us What You NeedA thorough review of your current investments to identify gaps, overlaps, and opportunities for improvement.
What to do with a lump sum — tax-efficiently, thoughtfully, without rushing.
An analysis of your repayment options, forgiveness eligibility, and the best strategy for your situation.
How much house you can afford, how it fits your financial plan, and what to consider before you sign.
Select a time that works for you. The call is 30 minutes and takes place over video conference. If you cannot find a time that works for you, please email hello@voyage-wm.com.