Investment Advisory Services


Our investment process is based on the belief that an effective investment risk policy and a prudent asset allocation design are the most efficient methods to achieving long-term asset growth. We achieve this in three steps:

1. Create an investment risk policy

2. Develop a custom tailored asset allocation plan

3. Apply both to our clients's portfolio construction process

Step 1. Investment Risk Policy

Everyone has different hopes, expectations, and aspirations in life and for their investments. Therefore, it is crucial for us to know our clients well and to know what they expect from their financial plan. This in-depth knowledge of our clients allows us to create tailored investment portfolios that are risk appropriate.

Important questions should be answered in order to do this effectively. For example… What is our client’s investment time horizon? Can they tolerate a 5% or 10% decline in a year? What are their short- or long-term capital needs? This and other information form the building blocks for our clients' investment plans.

Studies indicate that roughly 90% of portfolio returns are based on the correct asset allocation strategy -- not on individual security selection. This is the discipline we follow vigorously.

Armed with a personalized investment risk policy, we can create an appropriate asset allocation strategy customized for your investment goals and objectives. This is a process by which we segment investments into multiple asset classes, in an attempt to create a diversified portfolio that maximizes the expected return for a pre-determined risk tolerance -- or, conversely, minimizes the assumed risk for a desired level of expected return.

Additionally, we determine the appropriate “location” for each asset added to the portfolio. The placement of investments into the appropriate estate planning and wealth transfer entities, with the objective of maximizing tax efficiency and meeting overall wealth goals, is important to long term asset growth.

With a risk policy and asset allocation strategy in place, we can begin the portfolio construction process. We implement this process by utilizing a wide array of low cost, tax efficient, risk-adjusted investment vehicles including professional money managers and ETF’s.

All of the investment vehicles utilized by Voyager Wealth Management fit our belief that, in the long run, the capital markets are efficient and will reward investors appropriately for the level of risk they take on. We focus on creating broadly diversified portfolios by allocating assets among non-correlated investments.