Voyager Wealth Management, LLC

02/03/2026

We're excited to share the news that we have joined Beacon Pointe Advisors! For future news and updates from our team, please follow Beacon Pointe Advisors.

11/14/2025

🚨 It could cost you $290,000/year to give your loved one 24/7 home care.

If you have a family member over the age of 75, this reality may already be on your mind.

63 million Americans are now caregivers, which is up 45 percent in 10 years.

The stats are brutal:
▪️ 1 in 4 caregivers go into debt or raid retirement accounts
▪️ The average caregiver works 27 hours/week (unpaid)
▪️ Medicare covers nursing homes for just 100 days max
▪️ Half of those under 50 are caring for aging parents and raising kids

What families who navigate this successfully do differently:
✅ Have the money conversation before the crisis hits
✅ Get power of attorney and healthcare directives sorted now
✅ Run actual care cost calculators (not wishful thinking)
✅ Understand what insurance actually covers (spoiler: not much)

"The new inheritance isn't money for your kids—it's having enough to cover long-term care."

Whether it's you or someone you know, don't wait for the emergency room call to start preparing.

What's your biggest concern about having to care for an aging parent?

11/13/2025

🌍 Kindness doesn’t need to be grand to be meaningful. A kind word in a tough moment. A thoughtful gesture when it’s least expected. These are the things people carry with them long after.

In our work and in our lives, kindness is what builds trust, deepens relationships, and reminds us that connection matters more than anything else.

💛 Today, let’s recognize the power of simple kindness and the ripple effect it creates in every community.

11/11/2025

Today, we honor the men and women who have worn our nation’s uniform.

The courage, sacrifice, and selflessness of our veterans protect the freedoms we often take for granted.

Their service is a powerful reminder of what it means to put others before oneself.

Today, and every day, we are deeply grateful.

11/10/2025

💡 Did you know November may be the most important month for your taxes?

And this year, the opportunities may be bigger than usual.

The One Big Beautiful Bill (OBBB) Act creates some unique year-end opportunities.

Here are a few highlights worth noting:

📌 Higher standard deduction through 2025 means more taxpayers might not need to itemize
📌 New deductions for seniors, overtime pay, and even tipped income offer ways to manage taxable income
📌 Charitable giving strategies, especially donating appreciated assets, can be some year-end tax moves to consider

Thoughtful steps now could help you manage your 2025 tax bill.

If any of these ideas interest you—or if you have other ideas—we might be able to provide you with additional information on the new tax laws. But we would encourage you to check in with your tax, legal, or accounting professional before making any changes.

11/07/2025

October marked the sixth straight month of gains for U.S. markets, with the Nasdaq gaining 4.70% and the S&P 500 climbing 2.27%, powered by strong Q3 corporate earnings that overcame government shutdown concerns and trade tensions. The Fed delivered a quarter-point rate cut on October 29, though Chair Powell signaled a December adjustment wasn't a "foregone conclusion." As families prepare for Thanksgiving, last year's feast for 10 averaged \$58.08, with the turkey alone representing 43% of the total cost at \$25.67.

Stocks advanced for the sixth consecutive month in October as major averages pushed through a government shutdown and trade jitters. Robust Q3 corporate results drove momentum over a month that is notorious for market declines.

11/05/2025

Three shocking realities most families miss when it comes to wealth transfer:

→ The top reason why wealth transfer strategies fail is a lack of communication and trust (60%)
→ Your retirement plan beneficiary designation overrides your will
→ Most heirs must withdraw inherited retirement accounts within 10 years. This could have wide-ranging implications

Here’s the surprising part: the biggest reason wealth fails to transfer isn’t bad investments… It’s a lack of communication.

What your adult children need to know:

▪️ Where your retirement income comes from
▪️ How bills are paid and where passwords are stored
▪️ Who your financial team is and how to reach them
▪️ Who has power of attorney, and who’s the executor
▪️ The why behind your financial decisions

Why Now?
Holiday gatherings create the rare moment when everyone’s together and the mood is about gratitude.

How to start:
We want to make sure you’re prepared if something happens to us. Can we talk through the basics?

Families who succeed at wealth transfer aren’t the ones with the most money. They’re the ones who talk about it.

11/03/2025

🏥 Preparing for health and care needs is one of personal finance's most important and often overlooked parts.

According to the 2024 Genworth Cost of Care Survey:
✨ Home health aide: $77,800 per year (+3 percent from 2023)
✨ Homemaker services: $75,500 per year (+10 percent)
✨ Assisted living: $70,800 annually (+10 percent)
✨ Nursing home, semi-private room: $111,325 per year (+7 percent)
✨ Nursing home, private room: $127,750 per year (+9 percent)

These are sobering numbers, but they highlight an opportunity: the earlier families begin preparing, the more options and flexibility they may have.

This month reminds us of the value of preparing not only for retirement from a lifestyle perspective, but also for the possibility of care needs along the way.

A thoughtful approach today might help preserve independence, protect assets, and ease the burden on loved ones tomorrow.

11/01/2025

⏰ As you turn back the clocks, here are a few timely reminders:

➡️ Open Enrollment: Many employer benefit windows are in November—make sure your selections are in.
➡️ Flexible Spending Accounts: Check your FSA balance. Most plans are “use it or lose it” by year-end. See if your employer offers a grace period or a carryover limit.
➡️ Retirement Contributions: Is it time to increase retirement plan contributions before December 31?
➡️ Year-End Strategy: Review investments or consider making charitable gifts before year-end deadlines.

🍂 Turning back the clock is a reminder that the year is coming to a close with year-end deadlines approaching quickly.

10/31/2025

What’s your biggest financial fear? 👻

Not having enough money in retirement? Making a bad investment? Not having a strategy in place if something unexpected happens?

Some of the most common fears we hear include:
• “I’m behind on retirement.”
• “I’m afraid of investing at the wrong time.”
• “Estate preparation is only for wealthy families.”

The truth?
✅ It’s never too late to start strategizing—or start over
✅ Timing the market is challenging—even for professionals
✅ Estate preparation isn’t just about managing wealth

Financial fears are real. But facing them can be a lot less scary than you think.

If there’s something that scares you, let’s talk!

In the meantime, wishing you a fun, fear-free Halloween! 🎃

10/29/2025

📅 Many of you will start getting notices about benefit open enrollment for 2026 soon.

Don't just put your benefits on autopilot!

Here are a few suggestions:

✓ Review last year's actual healthcare spend in-network and out-of-network, and deductibles

✓ Check if your doctors are still in-network for 2026

✓ Factor in any life changes: new baby, chronic conditions, planned procedures

✓ Consider an FSA to use pre-tax dollars for healthcare expenses. In 2026, the maximum annual contribution limit is $7,500

✓ Consider the pros and cons of HSA-eligible high-deductible plans

Remember: The cheapest premium isn't always the best financial choice, and the most expensive plan isn't always necessary.

What questions do you have about making smart benefits decisions that align with your financial goals?

Once you start Medicare, you can no longer contribute pretax dollars to your health savings account (HSA). Any money withdrawn from your HSA for nonmedical reasons is considered taxable income and faces an additional 20% penalty. This penalty is void after the age of 65; however, it will still become taxable income.

10/28/2025

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed an...