Fiduciary Consultation
Clients
Hire a financial partner, not a sales professional.
You're working, raising a family, and barely have time for yourself, let alone your finances. We take financial management off your plate so you can focus on living your life, not learning how the system works.
Book a Fiduciary ConsultationIt's already hard to trust financial advice online. Then you meet an advisor whose real goal is selling you a life insurance policy and high-expense mutual funds. You shouldn't need a million dollars, or endure a sales pitch, to get real financial advice.
A quick look at how we work and what makes our approach different. [CLICK ONE]
Once you've decided to move forward, we'll request crucial documents such as your financial statements and the prior year's tax return. These documents are essential for a thorough financial analysis.
We'll start by asking questions (a lot of them) to understand your finances, concerns, and family objectives.
We'll collaborate to create the first draft of your financial plan.
We'll finalize your financial plan.
It's a lot to unpack, so it's ok if this takes two meetings.
We'll hone in on the highest impact elements of your financial plan. We won't act on everything at once, so we'll prepare written recommendations and next steps.
Once your financial plan is complete, you may choose to hire us long term to manage your investments.
Click to Get Started| 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 | – | ✓ | ✓ |
| Scenario & Probability Analysis | – | ✓ | ✓ |
| Retirement income planning | – | ✓ | ✓ |
| Estate plan coordination | – | ✓ | ✓ |
| Ongoing access | |||
| Quarterly check-ins | – | – | ✓ |
| Business cash flow planning | – | – | ✓ |
| Business tax planning | – | – | ✓ |
| Get Started | Get Started | Get Started | |
| Account Value | Annual Max Advisory Fee |
|---|---|
| $0 – $500,000 | 1.15% |
| $500,001 – $1,000,000 | 0.85% |
| $1,000,001 – $2,000,000 | 0.75% |
| $2,000,001+ | 0.65% |
The annual investment management fee is paid quarterly in advance based on the value of Client's account(s).
Advisory fees are deducted from one or more account(s) held at an unaffiliated third-party custodian (Altruist).
| Service | Description | |
|---|---|---|
| Client Communication | ||
| Quarterly Investment Report | Written report on the 6 - 18 month market and economic outlook. Samuel Resultan's own thoughts on what he sees and what that means for your portfolio. (Written in plain English) | |
| Annual Portfolio Review | We meet annually to answer questions and discuss portfolio changes. | |
| Ongoing Correspondence | Answering your phone calls and communicating with you as we navigate market uncertainty. | |
| Due Diligence and Research | ||
| Fund Manager Due Diligence | We conduct fund manager due diligence to evaluate investment teams, operational infrastructure, and strategy execution. Through granular attribution analysis, we identify and qualify institutional managers. | |
| Investment Analysis | We use top-down fundamental analysis to gauge broader macroeconomic health, identify our position in the business cycle, and overweight the highest-conviction sectors. | |
| Investment Strategy | ||
| Tax Loss Harvesting | Intentionally selling investments at a loss to offset short-term or long-term capital gains. | |
| Direct Indexing | Owning the individual stocks within an index, instead of an index ETF, for precise tax loss harvesting. | |
| Tactical Allocation | Deviating slightly from the investment strategy to capitalize on short-term opportunities or mitigate risk. | |
| Asset Location | Placing tax-favored investments in taxable accounts and tax-inefficient vehicles in tax-efficient accounts. | |
| Portfolio Maintenance | ||
| Annual Rebalancing | Bringing the portfolio back within target weights while keeping capital gains in mind. | |
| Portfolio Optimization | Allocating asset class weights using forward-looking Capital Market Assumptions and Mean Variance Optimization. | |
| Cash Management | Replenishing and managing cash reserves. | |
| Securities-Based Lending | On-demand liquidity without triggering capital gains tax. | |
Take the first step towards financial freedom. We'll get to know your goals, answer your specific questions, and determine whether our fee-only approach is the right fit for you. No cost, no obligation.
Don't like video calls? Email hello@voyage-wm.com and we can set up an office meeting or phone call.