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Our Insights

Our Insights

Part of our commitment to our clients is to provide ongoing education and insights related to finances and investing. Visit us here regularly to read about our thoughts and insights related to industry concepts and hot topics. Have something you want to learn more about? Send us a note at [email protected] and we’ll add it to our article list.

A cheerful happy caucasian middle age mother is helping her daughter, a teenage young girl with her piggy coin bank savings. Opening a children bank saving account with the bank teller in a retail bank counter. Photographed from behind the shoulder of the teller in vertical format.

YOU SPENT $500 ON WHAT?!?

Helping your children ages 9-14 understand real money and how to be a financial steward

February 28, 2024

Imagine opening your most recent bank statement to find that your 10-year-old spent $500 on Fortnite skins. Surely, (s)he would know this is real money (s)he’s spending, and not an insignificant sum, right? We’ve found that between the ages of 9 to 14 is the perfect time to start transferring financial responsibility in an age-appropriate format. Check out our 4 recommendations on how to do just that.

Important Money Management Lessons for Kids

FOUR PRACTICAL WAYS TO LAY THE FOUNDATION FOR FISCAL RESPONSIBILILTY AT A YOUNG AGE

Financial Planning for Kids Ages 5-8

September 21, 2023

It’s clear through our work with clients that when intentional money conversations happen consistently, children can exhibit fiscal responsibility at an early age. Naturally, everyone wants to see that in their older children when the stakes become higher, but to achieve that by the teenage years, ideally, we should start teaching those lessons at a much younger age. Read on to learn about four ways you can start laying the foundation with 5-8-year-olds.

Father Giving Jar Of Coins To Child

TO FUND OR NOT TO FUND COLLEGE? THAT’S NOT THE ONLY QUESTION

Other questions to consider when teaching kids about money and why it’s important to outline your philosophies on money as part of those conversations

June 21, 2023

Everyone wants to see their children become young adults who confidently steward the resources and opportunities their parents worked so hard for them to have. In our view, the best way to accomplish that is to start by understanding the moneys scripts you grew up with and the philosophies you believe about money before getting to the “what” and “how” of teaching children. Read on to learn more.

Man's hand holds a coin from the metal eagle tails against the sea, is about to throw a coin into the sea to return

HEADS OR TAILS? WOULD YOU LET A COIN FLIP COST YOU HALF A MILLION DOLLARS?

February 10, 2023

If you knew you had almost a coin flip’s chance of incurring a half a million dollar or more cost in retirement, would you plan for it? Read on to learn more about long-term care and when the right time is to start thinking about it as part of your financial planning journey.

Life after death, green sprout on the coals after the fire. Rebirth of nature after the fire

FOREST FIRES, AND JACK PINE TREES, AND BEAR MARKETS? OH MY!

A lesson on waiting for the fire to pass when it feels like your money is going up in flames

September 9, 2022

What in the world could forest fires, a Jack Pine tree and bear markets have in common? Like the Jack Pine tree, investors can do a few key things to protect their seeds when it feels like their money is going up in flames (i.e. when we are in a bear market). Learn more here.

Close up of hand man holding a paper heart with the sea background. love concept, happy valentine

WHY VALUES-BASED FINANCIAL PLANNING DRIVES MORE PROGRESS THAN GOAL SETTING ALONE EVER COULD

March 18, 2022

Over the last five years, the Voyage team has had hundreds of values-based financial planning conversations, and enough time has passed that we’ve been able to gather some insights on how it has impacted our work, and more importantly, the lives of our clients. Check out our five observations on why incorporating values into your financial planning and decision making can significantly change the way you talk about and view money.

Majestic black swan swimming on Lake Rotoiti

PREDICTING A BLACK SWAN EVENT IN THE FINANCE WORLD

It’s kind of like planning a Vikings Super Bowl parade

November 8, 2021

If you’ve watched any financial news lately, you’ve likely seen things like “stocks dangerous” or “stock market crash on the horizon” in headlines. People everywhere are attempting to predict a Black Swan event in the finance world, but to us that seems a bit like planning a parade for a Vikings Super Bowl win. Curious why? Read the full article here.