Embarking On Your Voyage:
VOYAGE is defined as a course of travel or passage, especially a long journey by water to a distant place. It’s no coincidence that the name of our firm – Voyage Financial Group – embraces both the spirit and the meaning of this because we believe retirement is a journey, not a destination. And, just like any journey by water, retirement requires careful and thoughtful preparation.
Voyage Financial Group is a team of professionals committed to providing clients with the best possible financial advice and service experience. Each client’s Voyage with us is as unique as their personal history. Your background, ideas, objectives, and resources differ from anyone else’s. To help us best serve your needs, we engage in a four-step process with you to be sure we are on the right course.
1. Discovery
We start by understanding you. Each individual investor has personal experiences that have shaped their view of money and their current risk tolerance. Only after getting to know you on a personal level can we begin to construct a plan to meet your goals and objectives.
2. Charting
Our team will evaluate your current situation and identify risks and opportunities. The proprietary VOYAGE Financial Plan focuses on the two key questions about retirement: How much Income can I receive; and will my money last? Since we take a holistic approach to Financial Planning, this step may involve collaboration with other specialists or your existing professionals (CPA, Attorney, etc.)
3. Investing
Economic Outlook – We begin with a holistic view of the global economic system ranging from the credit cycle and demographics to regulations. Our goal is to identify any potential risks that can derail a sound investment portfolio and look for changing trends that may provide investment opportunities.
Financial Markets- We then focus on a fundamental analysis of broad global asset classes and determine if they are under-valued, fairly-valued, or over-valued. Cash flow, tangible assets and scarcity are primary drivers of value, and purchasing those streams with a margin of safety will preserve and grow capital over time. We overlay the fundamental analysis with the long-term (secular) trends and the short-term (cyclical) trends of the markets. Technical analysis is then used to manage risk helping, us with entry and exit points.
Proactive Asset Management – We do not blindly subscribe to a “buy-and-hold” or a “buy–and-forget” strategy. In environments with more perceived downside we overweight our “rowing” strategies, which are defensive and tend to be less volatile by nature. When conditions indicate greater upside potential we emphasize more of our “sailing” strategy which seeks to increase returns.
Investment Selection – As independent financial advisors, we work only for our clients. This independence allows us to utilize a “go anywhere” investment philosophy. As a result, we will use mutual funds, actively managed portfolios, alternative investments, individual stocks/bonds, variable annuities, and ETF portfolios that best meet our clients needs.
4. Tracking & Monitoring
We are committed to your long-term success, and we know that “retirement is a journey and not a destination”. After clients hire us, we continue to work hard to deliver world-class financial advice and service. Here are some highlights of how we enhance the ongoing client relationship:
- The Voyage Vault – Our team will provide you with your own state of the art personal website which will allow you to view your investments daily, store important trust & tax documents, and track your assets against your goals.
- Proactive Management – We continually monitor and evaluate the economy, financial markets, your investments, and other changes to your life or family.
- Reviews – Because your plan changes as your life changes, we will provide regular reviews to meet your needs.
- Market Commentary – Our team will prepare commentary throughout the year allowing you to always have a clear picture of our thoughts on the capital markets and the economy.
- Client Events – Throughout the year there will be several opportunities to join us for some fun and entertainment. This is a great opportunity to get to know other Voyage clients, as well as reunite with old colleagues and friends.
