The Watchman by David Pettit
What does Voyager do?
We take complex financial situations and simplify them for our clients. At Voyager, we help clients identify their goals and purpose, creating a big-picture financial plan that aligns with what truly matters to them. Whether it’s a wealth succession plan, lifestyle choices, home ownership, or providing for loved ones, we guide clients in making intentional financial decisions that support their values.
Our approach shifts clients from aimless spending to purposeful planning. We address uncertainty and insecurity so that they feel safe and confident with their financial choices, allowing them to enjoy their wealth while staying aligned with what’s most important in their lives.
How does Voyager help you build your ideal future?
Voyager helps you gain clarity on your life goals and future vision. We work with you to identify your aspirations and envision who you want to become over the years ahead—considering everything from lifestyle and relationships to daily activities and the people who matter most. Picture a perfect day five years from now: Who are you with? What are you doing? What does your environment look like?
Once we understand this vision, we guide you in making financial decisions today that pave the way for that ideal future. By aligning your goals with intentional actions, we help you build a life that truly reflects what’s most important to you.
What can I expect when working with Voyager?
At Voyager, we’re committed to exceptional service. Our team is diligent, punctual, responsive, and collaborative—and we believe in bringing a human touch to everything we do. We celebrate your successes and stand by you through life’s challenges. Working with us is about much more than managing money; it’s about supporting your journey and helping you achieve what matters most.
The Voyager service model
We will conduct reviews scheduled at your desired frequency to track the progress of your plan relative to your defined objectives and suggest any changes where needed. In addition to these one-on-one meetings, we offer informative webinars, events, and newsletters to keep our clients updated on financial planning topics, tax tips, and estate planning ideas. Our holistic approach includes collaborating closely with other professionals, such as your CPA and estate planning attorney.
How does Voyager work with my family (including my children)?
One of the key benefits of working with Voyager is that we extend our support to the next generation of your family. Our team is uniquely positioned to offer multi-generational financial guidance, helping your children make wise financial decisions and become good stewards of wealth. We act as a sounding board and trusted resource for younger family members, empowering them with the knowledge and confidence to manage their financial futures.
Our goal is to provide lasting value for your family by fostering financial responsibility across generations.
How does Voyager invest?
Voyager believes in creating diversified portfolios, leveraging efficient markets, and using low-cost investments like Exchange Traded Funds (ETFs). Depending on each client’s unique situation, we may also work with additional products and managers, as we don’t take a one-size-fits-all approach. We understand that every investor’s needs are unique.
Through our partnership with Raymond James, Voyager has access to an open architecture that allows us to choose from a wide range of products to fit each client’s specific needs.
Who does Voyager work with?
Our clients are typically successful individuals with limited time who value efficiency. They are open-minded, gracious, and well-traveled, appreciating meaningful professional relationships. Our clients understand the advantages of outsourcing and are willing to invest in comprehensive advice rather than managing everything themselves. They are not seeking quick transactions or simple products; instead, they desire a long-term partnership focused on thoughtful planning for the future. Additionally, our clients are looking for investments that provide tax-efficient returns based on their risk tolerances, along with cutting-edge ideas for planning.
Voyager clients prioritize relationships built on trust and collaboration, with a shared commitment to achieving their financial goals.
Is there an account minimum to work with Voyager?
Voyager does not have a strict minimum account balance requirement. Instead, we provide value by managing the complexity of your financial situation. Our ideal clients are those who benefit from comprehensive services, such as tax and estate planning, and who value quality management of the interconnected layers of their financial lives.
We’re here to simplify these complexities, so clients don’t have to navigate them alone.
What does it cost to work with Voyager?
At Voyager, we prefer to operate as a fee-only advisory practice, charging fees based on assets under management. However, we recognize that unique circumstances may arise where alternative compensation structures or specific accounts that should have no fee at all, could be in the best interest of our clients. We believe that cost transparency is of the upmost of importance. Our compensation model is designed to align our interests with yours—when you succeed financially, we succeed as well. This fee-only approach ensures that we act solely in your best interest. As your wealth grows, so does our success, fostering a partnership focused on mutual achievement.
Being in a fee-based relationship places us on the same side of the table. When your account increases in value, our revenue grows; conversely, if your account declines, our revenue decreases. This shared interest reinforces our commitment to working diligently for your financial well-being.
Why do you need a financial advisor?
When you are going through a major life transition or your financial situation has become more complicated, a financial advisor can be your advocate to help you navigate consequential life decisions.
- Life events like buying a home, receiving an inheritance, getting married and raising a family, changing jobs, starting a business, caring for an aging parent or a child with special needs, going through divorce, or experiencing the loss of a loved one can all lead to a more complicated financial situation.
- A financial advisory practice can provide support and continuity for you and your family in the event of death or incapacity of your family’s primary financial decision maker.
- A financial professional can become a trusted advisor in your corner. Even the best professional athletes in the world hire coaches to benefit from their objective, experienced perspectives. Sound investment management and financial planning go hand in hand with behavioral coaching (particularly when times are tough).
A financial advisor becomes part of your larger team, working with your estate planning and tax preparation professionals.
What is a CFP®?
A CERTIFIED FINANCIAL PLANNER®(CFP®) is a professional who has completed rigorous training and education in various areas of financial planning, including investments, taxes, retirement, estate planning, and insurance. The CFP® designation is one of the most comprehensive of any certifications a financial planner can achieve, requiring individuals to pass a comprehensive exam, adhere to a strict code of ethics, and complete continuous education requirements. This certification signifies that the planner possesses the knowledge and skills necessary to help clients develop and implement effective financial strategies tailored to their unique circumstances. Importantly, CFPs take a holistic approach to planning, focusing on the overall financial picture rather than merely pushing a one-off investment product.
Working with a CFP® can provide significant advantages for individuals seeking to achieve their financial goals. CFP’s consider all aspects of a client’s financial life, allowing them to navigate complex financial situations, create personalized financial plans, and provide guidance on investment strategies, tax implications, and risk management. By partnering with a CFP® , clients benefit from comprehensive advice and a structured approach to financial decision-making, ultimately leading to greater financial stability and confidence for the future.
Do you have a minimum for investable assets under management?
Our typical minimum for investable assets under management (AUM) is $1 million. While our services may not cater to every wealth management need, we have built our business on principles that enable us to offer innovative options to a select group of investors. We are always happy to answer your questions and share our expertise, even if you do not currently meet Voyager’s minimum requirements. Furthermore, we serve our clients’ family members with lower account minimums, as this is a cornerstone of our commitment to generational wealth transfer.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involve risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Be sure to contact a qualified professional regarding your particular situation before making any investment or withdrawal decision.
We primarily offer fee-based advisory services charging a flat fee based on a client’s total assets under advisement. However, if deemed appropriate and in our client’s best interest, we also provide commissioned brokerage services. Though our financial advisor provides clients with great care and recommendations, advisors only have a legal fiduciary obligation to advisory clients. In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part 2 as well as the client agreement.
Investors should consider the investment objectives, risks, charges and expenses of an exchange traded fund carefully before investing. The prospectus contains this and other information and should be read carefully before investing. The prospectus is available from your investment professional.
