Like so many good things in life, our relationship starts with a conversation. But not just any conversation. Everyone is unique. We want to understand your lifestyle, your dreams, your goals, and your circumstances before we begin advising on a plan for your retirement. Each situation presents a puzzle and no two are the same. It just so happens that solving puzzles is our life’s work and passion.
At Voyager, we use sophisticated modeling software as opposed to the ‘percent-preparedness’ or best guesses used by those who charge a lot of money for little more than speculation. This allows us to properly analyze retirement projections, create distribution plans, and assess investment risk. We’re always on your side, so making changes to your plan is just a step in the process and it doesn’t cost you anything. You have our word there will be never be any hidden fees, and we’d never try selling you products just to make a commission. Once a clear plan has been established, we implement the plan using best-of-breed investment management and frequent monitoring of the plan to make course corrections as needed.
Together, we’ll approach your financial timeline in three stages:
The Earning Years
Nearing Retirement
Retirement
The Earning Years
Whether you’re 20 years old or 50 years young, the earning years will likely comprise the bulk of your life. With mortgages to pay and kids to put through school, we know it can be difficult to prioritize financial planning. Truth is, even while cash may be tight there’s no better time to start mapping out your goals.
During the earning years, our strategy centers around goal-based planning. If buying a home is in your future, it’s wise to consider more than just a down payment. If your children’s college savings are a priority, we can help make sense of various funding options. And while retirement seems a long way away, it’s closer than you think. Funding your retirement is a decision and we’ll show you how smart choices can truly add up over time.
Nearing Retirement
Retirement is on the horizon and you’re close to realizing your dreams. But the transition from saving to spending can be a stressful time because no one wants to end up with too much life at the end of their money.
While many folks have read up on what they should be doing to achieve their retirement goals, often times even the most well-intended strategies require a course correction. For example, some pre-retirees want to preserve and protect what they’ve built thus far, but accelerated portfolio growth may be the real answer toward achieving retirement goals. In other cases, some folks want to retire as soon as possible, yet a short career extension should be considered to improve their long-term outlook. Many “experts” have a one-size-fits-all answer for what you should be doing at this time. Instead, we tailor a plan that’s unique to you.
Retirement
You made it and life is even sweeter than expected. You’ll likely wonder how you ever had the time to work. And while retirement is everything you’d hoped for, there’s still that little voice telling you to worry about long-term income, future plans, and your legacy. Fear not, that’s common. And with us, you’re never alone.
We’re here to help you to live richly, not just die wealthy. We also understand that retirement dreams evolve, so we’re well-versed in helping your income strategies adjust to accommodate change. Even during your retirement years, we’re by your side and regularly meeting with you to review and fine-tune your progress. We’re available to consult on legacy planning and can refer you to vetted attorneys for estate planning. We then work with your attorney to implement the estate plan you desire. We’re also there to help ensure that any money left over will be directed to the proper beneficiaries or charities. Rest assured, with proper planning, your assets will be passed on to those who truly deserve it.