Planning with purpose

The framework around which your Retirement Plan is crafted often begins with your legal plan. At Voyageur Advisory Group, our professionals and our strategic partners are trained in advanced estate planning strategies focused on the preservation phase of your retirement life.

Even before entering into retirement you've likely spent hours thinking (and possibly agonizing) over how your income stream is going to look once you are done working.  Income planning is absolutely vital to a successful Retirement plan....and it involves more than simply taking withdrawals from an investment account!

 The government has a range of programs that retirees must understand. Medicare, Medicaid, Social Security and veterans' benefits all have unique features that must be accounted for in a sound Retirement Plan. Making the right decisions in how to utilize these benefits is key to your Retirement success. 

Your retirement insurance and investment needs are likely very different compared to when you were in your 30's, 40's & 50's. A sound Retirement insurance & investment plan is one that reflects these natural changes in your life and takes certain realities into consideration in how your funds are working for you. If your accounts haven't changed to reflect this phase of life, you likely do not have a Retirement focused investment plan!! 

Taxes are a guaranteed expense and are likely to increase over time. The best way to manage and minimize the impact taxes will have on you and your estate is through sound planning. Having a good plan for this known liability will assist you in preserving the wealth you have accumulated, ensuring a financially sound retirement and a legacy for your family. 

We work our entire lives to provide for ourselves and our families in anticipation of finally having the time to enjoy our retirement years. If you eventually find yourself in need of long term care without having planned for such a situation the resulting loss in your quality of life and financial well-being can be significant.

We all know there is more to life than the here and now.  One look into those grand baby's eyes says it all!!  How much of a lasting impact you make for them and all that you love and care for is a direct reflection of how in depth you go into maximizing your life's efforts with a sound distribution and generational plan.