Your Journey

Our Passion

Managing Wealth | Optimizing Investments | Reducing Taxes

Your Journey

Our Passion

Managing Wealth | Optimizing Investments | Reducing Taxes

Our Process

Financial Voyages is an advice based financial advisory firm located in Harleysville, PA with clients across the nation. With over 75 years of combined experience, our morals and ethics have been at the core of everything we do

Independence

As independent advisors our clients can be confident that when we make recommendations our sole focus is serving their specific needs and acting in their best interest.

Click to learn more about being independent.

Fiduciary Standard

A professional relationship requiring trust and moral responsibility.

Click to learn more about fiduciary professionals.

Fee-Only Advisory Services

Fee-only advisors are compensated for services and advice provided, not by receiving commissions for selling products.

Click to learn what it means to be fee-only.

Fast Facts

Years of collective industry experience

States in which we serve clients

Years as a Five-star Wealth Manager* winner

Toys collected for Toys-for-Tots in 2019

Hours volunteered in 2019 by Financial Voyages advisors and staff

Professional designations and advanced degrees

Years of collective industry experience

States in which we serve clients

Years as a Five-star Wealth Manager* winner

Toys collected for Toys-for-Tots in 2019

Hours volunteered in 2019 by Financial Voyages advisors and staff

Professional designations and advanced degrees

What We Do

For more than 25 years, people have entrusted us with one of their most valuable assets – their financial wellness. Most people think our business is all about numbers; the truth is, our business is about building meaningful relationships, asking questions, providing personalized advice and guiding our clients though many financial decisions they will need to make throughout their lives.

Our financial planning process is designed to walk alongside you during the most exciting and challenging times in your life. Financial planning is a long-term commitment. We provide accountability as a steadfast partner reminding you of your goals and dreams when life gets uncertain.

Retirement Planning

Whether you are decades away, a few years away or already retired, everyone wants to know if they are on track. We combined our decades of experience with advanced technology to guide your path forward.

Click to learn more about retirement planning.

Estate Planning

Making sure all documents have been completed to reflect your intentions.

Click to learn more about estate planning.

Legacy Planning

Every successful financial plan encompasses legacy planning.  We encourage you to include your children, grandchildren and loved ones as part of the planning process.

Click to learn more about legacy planning.

Investment Management

We proactively manage client’s assets using a consistent and disciplined investment selection process.

Click to learn more about investment management.

Tax Efficient Approach

We apply a range of tax-smart techniques throughout the year designed to help you keep more of what you’ve earned.

Click to learn more about a tax efficient approach.

Withdrawal Strategy

Financial independence is achieved when a strategic plan is implemented providing you the confidence to know your money will outlive you.

Click to learn more about our withdrawal strategy.

Retirement Planning

Whether you are decades away, a few years away or already retired, everyone wants to know if they are on track. We combined our decades of experience with advanced technology to guide your path forward.

Click to learn more about retirement planning.

Estate Planning

Making sure all documents have been completed to reflect your intentions.

Click to learn more about estate planning.

Legacy

Every successful financial plan encompasses legacy planning.  We encourage you to include your children, grandchildren and loved ones as part of the planning process.

Click to learn more about legacy planning.

Investment Management

We proactively manage client’s assets using a consistent and disciplined investment selection process.

 Click to learn more about investment management.

Tax Efficient Approach

We apply a range of tax-smart techniques throughout the year designed to help you keep more of what you’ve earned.

Click to learn more about a tax efficient approach.

Withdrawal Strategy

Financial independence is achieved when a strategic plan is implemented providing you the confidence to know your money will outlive you.

Click to learn more about our withdrawal strategy.

Becoming a Client

1. Initial Meeting

This is a high-level, complimentary meeting that allows us to ask each other important questions. We feel it is best to make sure that we are a good fit for you, and in the same respect, you are a good fit for our firm. We want to ensure our interests are aligned, and we can work towards mutual goals.

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2. Data Collection

Prior to this meeting, we will ask you to provide specific information necessary to complete your comprehensive financial plan. During our meeting we will review your financial situation and have a conversation to ensure we have a thorough understanding of what you desire to achieve.

3. Analysis

We will take time to analyze your financial information and use our advanced financial planning software to create projections for your goals. As we review every aspect of financial planning (Cash Flow review, Goal Readiness, Risk Management, Investment Management, Estate Planning and Tax Optimization) we will develop recommendations to discuss during our next meeting.

4. Review Financial Plan

Together, we outline a projected “roadmap” to reach your goals. Depending upon the initial outcomes, we will be able to review “what if” scenarios to see how various changes could affect your projections. We will also review recommended actions necessary to achieve your goals.

5. Implement

In and of themselves, financial plans and recommendations don’t change your financial situation. Together, we can proactively affect the outcome of your financial situation by taking action and implementing various recommendations your advisor might make.  A few examples could include: obtain a will, ensure your investments are properly allocated, confirm you have the correct insurance plans, and have a strategy to optimize your social security benefits.

6. Monitor

We meet with our clients at least annually. Monitoring the financial plan continually will help make sure you are making progress. This also gives us a chance to update your goals as your life changes. The goals you had 10 years ago, may not be the goals you desire today. Staying in close communication helps to make sure the best decisions are being made throughout your journey.

1. Initial Meeting

This is a high-level, complimentary meeting that allows us to ask each other important questions. We feel it is best to make sure that we are a good fit for you, and in the same respect, you are a good fit for our firm. We want to ensure our interests are aligned, and we can work towards mutual goals.

i

2. Data Collection

Prior to this meeting, we will ask you to provide specific information necessary to complete your comprehensive financial plan. During our meeting we will review your financial situation and have a conversation to ensure we have a thorough understanding of what you desire to achieve.

3. Analysis

We will take time to analyze your financial information and use our advanced financial planning software to create projections for your goals. As we review every aspect of financial planning (Cash Flow review, Goal Readiness, Risk Management, Investment Management, Estate Planning and Tax Optimization) we will develop recommendations to discuss during our next meeting.

4. Review Financial Plan

Together, we outline a projected “roadmap” to reach your goals. Depending upon the initial outcomes, we will be able to review “what if” scenarios to see how various changes could affect your projections. We will also review recommended actions necessary to achieve your goals.

5. Implement

In and of themselves, financial plans and recommendations don’t change your financial situation. Together, we can proactively affect the outcome of your financial situation by taking action and implementing various recommendations your advisor might make.  A few examples could include: obtain a will, ensure your investments are properly allocated, confirm you have the correct insurance plans, and have a strategy to optimize your social security benefits.

6. Monitor

We meet with our clients at least annually. Monitoring the financial plan continually will help make sure you are making progress. This also gives us a chance to update your goals as your life changes. The goals you had 10 years ago, may not be the goals you desire today. Staying in close communication helps to make sure the best decisions are being made throughout your journey.

Events

Upcoming Events

Due to guidance set forth by state and local officials, all in-person events are postponed due to COVID-19.

Check back soon for our 2021 educational events!

 

Call our office to RSVP 215-256-7845

Past Events

Self Care Webinar hosted by Russ Terry

Practical Advice Buying a Car or Truck – There’s a Whole Lot of Change Going On – Mike Watanabe

Tax Strategies Seminar- with Roy Kershaw, CPA of Baum, Smith & Clemens, LLP

Social Security Strategies – hosted by Ed Lafferty, Public Affairs Specialist

Tax Reform and Effective Tax Strategies –  hosted by Scott Trout with Trout, James & Associates, PC

Compelling Wealth Management Conversations –  hosted by Dan Melville of Financial Voyages

Past Events

Tax Strategies Seminar- with Roy Kershaw, CPA of Baum, Smith & Clemens, LLP

Social Security Strategies – hosted by Ed Lafferty, Public Affairs Specialist

Tax Reform and Effective Tax Strategies –  hosted by Scott Trout with Trout, James & Associates, PC

Compelling Wealth Management Conversations –  hosted by Dan Melville of Financial Voyages

Our Broker-Dealer

Cambridge Investment Research, Inc.

Just as you can choose your financial professional, we can choose our independent broker-dealer.

As independent financial professionals, we are not an employee of an investment or financial services firm – we are independent business owners.

We are proud that our values are shared with our broker-dealer. Together, we focus on a common priority – you.

As one of the most respected and largest privately held independent broker-dealers in the U.S., Cambridge is owned entirely by its management and financial professionals.

Their executive leadership has consciously built a legal structure, business plan, and a superior management team with the goal of remaining privately owned. Cambridge, member FINRA/SIPC, has continually put the objectivity of independent financial professionals first to ensure the long-term success of the financial services industry, financial professionals, and clients.