Meet Samuel
Clients
In an industry where relationships have historically been transactional, and in an age where information is abundant, it's a luxury to have a partner who understands you, your family dynamic, and your finances - taking away the burden of financial management so you can live your life.
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 create an income plan and help you understand how money flows in retirement.
It's a lot to unpack, so it's ok if this takes two meetings.
Construct your ideal investment portfolio, focusing on diversification, taxes, and expenses.
Your retirement plan is mostly complete; now we'll help you refine it.
We won't act on everything at once. So, we'll prepare written recommendations and next steps.
After you retire, we help you navigate the complexities that come with:
There are two paths to becoming a client.
One Time Retirement Plan: a 6 to 12 month engagement covering steps 1 through 5 above. Afterward, you can choose to continue long term (step 6) by transferring your investable assets to us.
Retirement Plan + Investment Management: you transfer your investable assets to begin the relationship. We invest your portfolio based on how we see your situation, then refine it as your plan develops.
Flat-Fee: $3,000 – $4,500
We'll provide an investment analysis and recommendations, but trading and implementation are up to you.
Fees are negotiable. The fixed fee will be agreed upon before the start of any work.
| 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 (Charles Schwab).
A 30-minute call to discuss what you're looking for, what it's like to work with Voyage, and any questions about our approach.
If it seems like a good fit, we'll recommend a "What Does Retirement Look Like?" meeting to clarify your goals and priorities.
Our first real meeting, focused entirely on you. Your vision of retirement, your challenges, and your starting point. This becomes the foundation of your plan.
A market decline early in retirement can permanently reduce your income. Understanding sequence of return risk is one of the most important things a retiree can do.
Read Article →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.
Read Article →Tax diversification matters if you are retiring in Mississippi. Spreading your savings across different accounts helps you control your tax bill in retirement.
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