Services

Customized Wealth Management for High Income and High Net Worth Individuals

Too often, we see financial advisors put high income people into standard portfolios that subject them to unnecessary risk and high capital gains taxes.

When you’ve got significant assets, there’s too much at stake to rely on cookie-cutter approaches.  Instead, you need customized strategies that address your unique needs and risk profile. 

Tax-Focused Advice

At Volant, we help you find and employ more sophisticated strategies that may reduce your tax liability and strives help you control risk more effectively.  That way, you’ll keep more of what you earn. 

Independent, Fiduciary Service

Conflicts of interest are far too common on Wall Street and can handicap your results.  Volant is a completely independent firm that acts as your fiduciary, so you can count on objective advice. 

Our Process

At Volant we employ a process that helps us identify your needs and suggest strategies that can help you achieve your goals. Here’s how it works.

Step 1: Needs Assessment

In this first step, we start with getting to know you.  That means getting clear on your goals, needs and concerns.   This includes conversations as well as data gathering and review.  We help make the process smooth and easy so it doesn’t take too much of your time.    

Step 2:  Analysis

Once we understand your goals, we start in with our research.  We’ll look at how we can help you get from where you are today to where you want to be.  Along the way, we will consult with a variety of professionals as needed to create customized options for you.  These professionals may include lawyers, accountants, and business valuation specialists.

At the same time, we’ll also look at potential blind spots and vulnerabilities to help you protect yourself in those areas. 

Step 3:  Solutions and Strategies

Next, we will build a financial model that outlines how you will get to your desired endpoint.  We’ll suggest the strategies that we believe will serve you best.  Together, we’ll review these in depth so you can weigh your options and choose the direction you’d like to go. 

You may prefer to include your accountant, attorney, or other trusted advisors in these meetings.  We welcome the opportunity to collaborate with them to further your goals.  

Step 4:  Monitor and Adjust

At this point, we’ll help you and your professionals implement your selected strategies. 

Once in place, we’ll monitor everything on an ongoing basis to ensure the strategies perform as intended.  As your life, tax law or other circumstances change, we’ll review the plan and recommend adjustments if appropriate. 

Then, we’re always available by phone, email or online conference to address your questions and concerns. 

This holistic, full-service approach helps you feel confident about your finances and your future.  Following is more detail about the individual components of our service.

Retirement Strategies

At Volant, we’ll provide comprehensive financial advice to help you set up tax-managed retirement income. 

Retirement Planning in a Complex Environment

Planning your future in today’s financial landscape is no simple exercise.    Between the threat of rising inflation, changing interest rates, anticipated tax increases and volatile stock prices, securing your future income is more challenging than ever.

Holistic Retirement Strategies for High Income/High Net Worth

Volant specializes in helping you to create tax-managed retirement income which locks in the lifestyle of your choosing as long as you live.  Our advice is comprehensive, so along with helping you invest, we’ll help you make the most of Social Security, Medicare and other benefits you may have available to you. 

Our holistic advice addresses all aspects of your financial future, including long-term care and planning for health costs in retirement.

Our comprehensive scope of services includes:

• Financial advice for retirement planning
• Establishing tiers of liquidity
• Securing lifetime income
• Retirement income planning
• Tax-efficient withdrawal strategies
• Social security optimization strategies
• Medicare planning
• Long-term care planning
• Health care planning
• Eldercare planning

All of these services help you look forward to a more confident retirement.   

Can Volant help you achieve your goals?  Contact us today for a free consultation. 

Tax-Managed Investing

It’s not what you make; it’s what you keep! 

When you’ve got a high income or high net worth, you feel the weight of high taxes.  You need tax-managed strategies.  That’s exactly what you get with Volant.

Customized Investment Portfolios Tailored To Your Needs

Volant acts as your fiduciary, analyzing your needs and recommending investment strategies that help you achieve your goals.  Our strategies are not the standard, cookie-cutter ones offered to the masses.  Instead, we focus on finding custom strategies with the goal of helping you achieve more and control your risk.

Focus on Tax Savings at the Federal and State Level

Every dollar you save on taxes is a dollar that increases your earnings. In today’s complex financial landscape, that’s the best way to increase your returns without additional risk. 

So we’ll focus on finding you investments that generate higher after-tax returns.

Along with federal tax issues, we will drill down to state taxes to ensure your overall tax efficiency increases. 

Actively Managed Strategies

As your wealth grows, you’ve got more to lose.  Many financial advisors simply put your money into passive investments, but that can leave you overly vulnerable to market drops.  Instead, we increase risk control with active strategies, which strive to protect you from excessive losses.

This focus on offensive and defensive strategies helps preserve the wealth you’ve worked so hard to build.

Can Volant help you achieve your goals?  Contact us today for a free consultation. 

Estate Planning Strategies

With rising tax rates on the horizon, estate planning becomes more crucial than ever.  The right moves today can potentially save you and your heirs significant amounts in the future. 

But not all financial advisors are equipped or experienced with advanced estate planning strategies. 

That’s where Volant is different.  We specialize in helping you find and implement strategies to pass on wealth tax-efficiently, protect your assets through insurance, and secure your legacy. 

Protecting Your Assets

Along with passing on your wealth to heirs, asset protection strategies are unfortunately critical in today’s litigious world.  The right estate planning strategy can accomplish both for you.

At Volant, we collaborate with you and your professionals to find the strategy that will most efficiently achieve your goals.  (If you don’t have professionals that are serving you well, we have an extensive network of experts who can help.) 

We’re well-versed in helping structure, implement and monitor more sophisticated strategies that serve the needs of high net worth and high income families. 

Service Direct From Experienced Principals

As a small, specialist firm, you’ll always get attention from an experienced principal who understands your needs and challenges.

Our team will work with you and your attorney to create an estate planning strategy that fits your needs. 

Along with traditional estate planning, Volant provides:

• Asset protection planning
• Eldercare planning
• Long term care planning
• Special needs planning
• Legacy planning
• Tax planning

Can Volant help you achieve your goals?  Contact us today for a free consultation. 

Insurance Strategies

Insurance can do a lot more than simply protect. 

At Volant, we help high income and high net worth individuals and families find strategies, often including insurance, that helps them achieve their goals.

What can more sophisticated insurance strategies do for you?

• Utilize existing tax codes to lower your after-tax returns
• Structure investments in the form of a life insurance policy to capture tax benefits
• And of course, provide protection.

The Value of Independent Financial Advice

Insurance has traditionally been used to protect you against common life events such as death or disability.

And it still does, but unfortunately, much of the insurance industry is riddled with conflicts of interest.  So your protection may come at a much higher cost than it should.  Large insurance companies have financial advisors on staff who primarily sell you the company’s proprietary products.  These may leave you overpaying for policies or features that don’t further your goals. 

Volant is a completely independent financial advisor.  We don’t sell any proprietary products and we aren’t limited to any one product or company.  Our goal is to go out in the marketplace and find you the most cost-effective product that will achieve your goals. 

Full-Service Attention to Risk Management

Volant can help you with many types of insurance and insurance strategies:

• Life insurance
• Disability insurance
• Long term care
• Medicare supplement plans

Can Volant help you achieve your goals?  Contact us today for a free consultation. 

IMPORTANT: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

Neither Royal Alliance Associates, Inc., or Mark Vamvaketis engage in the practice of law, accountancy or tax services.