Your Journey
Our Passion
Managing Wealth | Optimizing Investments | Reducing Taxes
Your Journey
Our Passion
Managing Wealth | Optimizing Investments | Reducing Taxes
Our Values
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 one or more of our advisors has won the Five-star Wealth Manager Award*
Toys collected for Toys-for-Tots over the last 10 years.
Hours volunteered since 2020 by Financial Voyages Team Members
Professional designations and advanced degrees
Years of collective industry experience
States in which we serve clients
Years one or more of our advisors has won the Five-star Wealth Manager Award*
Toys collected for Toys-for-Tots over the last 10 years
Hours volunteered in 2020 by Financial Voyages advisors and staff
Professional designations and advanced degrees
Gary Sanson, 2014-2022; Steven Sanson, 2012-2013, 2017-2022; Daniel Melville, 2019-2022. To receive the Five Star Wealth Manager award, individuals must satisfy a series of eligibility and evaluation criteria associated with wealth managers who provide services to clients. Recipients are identified through research conducted by industry peers and firms. Third party rankings and recognitions from rating services or publications are not indicative of past or future investment performance. For more information, go to www.fivestarprofessional.com.
Our Team
Advisory Group
Check the background of investment professionals on FINRA’s BrokerCheck.
Administrative Support
Kathleen B. DeForest
Office Manager, Compliance Coordinator
Learn more about Kate.
Dorothy Steiger
Accounts Supervisor
Learn more about Dorothy.
Sharon L. McNeill
Senior Client Services Advocate
Learn more about Sharon.
Carolyn Spicer-Stull
Senior Registered Client Service Specialist
Learn more about Carolyn.
Mary Ann Cole
Client Services Advocate
Learn more about Mary Ann.
Ari Dunn
Client Services Advocate
Learn more about Ari.
Luke Childs
Registered Client Services Advocate
Learn more about Luke.
How We Help
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.
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.
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
Virtual Presentation
Understanding Medicare: The ins and outs of Medicare coverage
Tuesday, September 26th, 2023 at 7:00 P.M. via Zoom
Presented by Tim King of John Hancock
Call our office to RSVP 215-256-7845
Past Events
Understanding Social Security Decisions: Optimizing Your Benefits
The Power of Diligence – Prevent Elder Fraud
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
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.