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# Voisard Asset Management Group: Personal Financial Advisors

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## Posts
- [Your Estate Plan Says One Thing. Your Beneficiary Designations Say Another.](https://voisardgroup.com/your-estate-plan-says-one-thing-your-beneficiary-designations-say-another/): You updated your estate plan last year. New trust, refreshed will, and current powers of attorney. Your attorney signed off. You feel good. 
- [Q2 2026 Quarterly Commentary](https://voisardgroup.com/q2-2026-quarterly-commentary/): If you saw a disconnect between the news headlines and the performance of your portfolio this quarter, you were not the only one. While geopolitical conflict, volatile energy prices, and increasing inflation were some of the main stories during the quarter, equity markets powered forward, posting the strongest quarter in recent years.
- [Most Wealthy Parents Avoid This Conversation for the Wrong Reason](https://voisardgroup.com/most-wealthy-parents-avoid-this-conversation-for-the-wrong-reason/): Most Wealthy Parents avoid talking to their children about inheritance because they're afraid. Not of taxes. Not of legal complexity. They're afraid that knowing they'll receive significant wealth someday will change who their kids become.
- [If Your Estate Is Under $15 Million, Do You Still Need an Estate Plan?](https://voisardgroup.com/if-your-estate-is-under-15-million-do-you-still-need-an-estate-plan/): The estate tax was never the only reason to have an estate plan. It was just the loudest one. For years, the sunset risk drove every estate planning conversation: rates might rise, exemptions might drop, act before the window closes. That urgency is gone. But the rest of the work, the parts that matter more than the tax exposure ever did, is still sitting there. 
- [The Roth Conversion Window Is Still Open. Here’s Who Should Use It.](https://voisardgroup.com/roth-conversion-window-rmd-planning/): The Tax Cuts and Jobs Act (TCJA) rates are now permanent. But the case for Roth conversions didn't go away, the reason just changed. Here's the argument that still holds, and who it matters for. 
- [The Retirement Risk Zone](https://voisardgroup.com/sequence-of-returns-risk-retirement-zone/): Two retirees. Same portfolio. Same returns. One runs out of money. Here's the risk most retirement plans overlook, and how to protect against it.
- [Five Insurance Mistakes That Can Quietly Unravel a High-Net-Worth Financial Plan](https://voisardgroup.com/the-5-most-common-high-net-worth-insurance-mistakes/): This article was contributed by Alistair Lynch of The Lynch Agency, Farm Bureau
- [Q1 2026 Quarterly Commentary](https://voisardgroup.com/q1-2026-quarterly-commentary/): The U.S. economy entered 2026 with solid momentum following a resilient 2025. Economic growth is expected to come in around 2%–2.5% for the year, representing a stable, albeit moderating, expansion. While not indicative of a booming economy, this level of growth remains consistent with a non-recessionary environment.
- [The 3 Tax Decisions That Matter More Than Your Tax Bracket](https://voisardgroup.com/the-3-tax-decisions-that-matter-more-than-your-tax-bracket/): When most people think about taxes, the conversation tends to center around one number: their tax bracket.
- [Why High Earners Overpay in Taxes (Even With a CPA)](https://voisardgroup.com/why-high-earners-overpay-in-taxes-even-with-a-cpa/): For many high earners, there's a quiet assumption: if you have a CPA, your taxes are fully handled. And in many ways, that's true.
- [Gifting in 2026: Strategic Wealth Transfers Under the New Permanent Exemption Rules](https://voisardgroup.com/gifting-in-2026-strategic-wealth-transfers-under-the-new-permanent-exemption-rules/): For families with $5 million to $30 million in investable assets, gifting is not about generosity alone. It is about structure, timing, and long term intention related to Strategic Wealth transfers. 
- [Legacy Is More Than Taxes: Preparing Heirs for Inheritance](https://voisardgroup.com/legacy-is-more-than-taxes-preparing-heirs-for-inheritance/): To ensure that wealth is retained and utilized effectively, families must prepare their Heirs for Inheritance and create a strong foundation that encourages financial literacy and responsibility.
- [The Coordination Gap: Why Your CPA, Attorney, and Advisor Must Be Aligned](https://voisardgroup.com/the-coordination-gap-why-your-cpa-attorney-and-advisor-must-be-aligned/): Tax season has a way of revealing what’s working-and what isn’t. For many high-net-worth families, March isn’t stressful because of complexity. It’s stressful because of fragmentation. You may have a capable CPA, a thoughtful estate attorney, a reliable CPA Attorney, and an experienced investment advisor. Individually, each professional may be excellent. But if they’re operating in silos, your estate strategy may be exposed to risks you cannot see. 
- [Rethinking Retirement: Why Flexibility Outweighs Precision](https://voisardgroup.com/rethinking-retirement-why-flexibility-outweighs-precision/): Most people think of retirement planning as a single number: the amount you need to save to stop working. But for high-net-worth households, that mindset can be limiting and in some cases, dangerous. Retirement isn’t a math problem. It’s a multi-decade system that must be designed to flex, adapt, and endure. 
- [Business Strategy for the 2030s: How Leaders Should Prepare Now](https://voisardgroup.com/business-strategy-for-the-2030s/): This is a guest article from Jeff Gibson of Economics Designed, an expert on Business Strategy
- [Retirement Isn’t the End of Work—It’s the Start of Income Strategy](https://voisardgroup.com/retirement-isnt-the-end-of-work-its-the-start-of-income-strategy/): Most retirement plans focus on how much you’ve saved. But the real question is this: how do you turn those assets into reliable income for 25 to 30 years? 
- [The Hidden Tax Risk in Your Portfolio: Unrealized Gains](https://voisardgroup.com/the-hidden-tax-risk-in-your-portfolio-unrealized-gains/): The issue? Unrealized gains. 
- [Strategic Rebalancing & Loss Harvesting: Finding Tax Wins in a Strong Market](https://voisardgroup.com/strategic-rebalancing-loss-harvesting-finding-tax-wins-in-a-strong-market/): Here’s the counterintuitive truth: even in an up market, parts of your portfolio will likely be down—and that opens the door for smart, intentional tax planning through Strategic Rebalancing.
- [4th Quarter 2025 Commentary](https://voisardgroup.com/q4-2025-quarterly-market-commentary-investment-outlook/): Global equity markets delivered another outstanding year in 2025, with strong returns across nearly all regions. International stocks led the way, as developed international markets returned approximately 31% for the year while emerging markets gained 34%. U.S. stocks also produced solid gains, with the S&P 500 up roughly 18%.
- [Why Tax Planning Doesn’t Start in April  And Why High Earners Should Think Year-Round](https://voisardgroup.com/why-tax-planning-doesnt-start-in-april-and-why-high-earners-should-think-year-round/): Most people associate tax season with April, specifically April 15! But if you’re a high earner or managing a complex financial picture, waiting until spring to begin thinking about next year's taxes means you’ve likely missed your best opportunities. April is for filing, not for tax planning. And when it comes to preserving more of what you earn, timing is everything. Start planning for 2026 today. 
- [The Coming Healthcare Cost Shock: How to Budget for the End of Enhanced ACA Subsidies](https://voisardgroup.com/healthcare-cost-shock-2026-aca-subsidies/): The numbers are stark. Industry projections suggest that gross insurance premiums may rise by 20% to 26% on average in 2026, driven by several compounding factors:
- [Healthcare, Longevity & Retirement Budgeting: Planning for a Longer Life](https://voisardgroup.com/retirement-planning-longevity-rising-healthcare-costs/): Americans are living longer than ever, and that’s good news—but it also changes the way we need to plan for retirement. A longer life means more years of spending, rising healthcare costs, and new questions about how to sustain financial independence deep into the future. For affluent families, longevity is both a gift and a financial challenge that demands a new kind of strategy.
- [Holistic Support Beyond the Spreadsheet: How AI is Changing Elder Care and Your Financial Plan](https://voisardgroup.com/holistic-support-beyond-the-spreadsheet-how-ai-is-changing-elder-care-and-your-financial-plan/): For a wealth manager, the story of Dan Hungerford and Everfriends.ai offers a powerful insight into the intersection of technology, caregiving, and financial strategy. His company provides a compelling example of a solution addressing a major demographic challenge—the growing need for dignified and accessible care for an aging population. This is a topic of increasing importance for clients, especially those managing their own elder care or planning for their parents' future.
- [Housing & Real Estate Dislocation: Discover Opportunity in a Shifting Market](https://voisardgroup.com/housing-real-estate-dislocation-discover-opportunity-in-a-shifting-market/): After years of historic growth, the housing market is entering a new phase. Rising interest rates, persistent supply shortages, and demographic shifts are creating what economists call a “dislocation”—a period when prices, demand, and opportunity temporarily fall out of sync. For long-term investors, this environment isn’t just challenging—it may be one of the most interesting in decades.
- [The Multihoming Myth: Why Splitting Your Wealth Can Cost More Than It’s Worth](https://voisardgroup.com/multihoming/): In an era of flexibility and choice, even wealth management clients are rethinking what loyalty means. Today’s high-net-worth investors—especially heirs inheriting substantial assets—are increasingly “multihoming,” dividing their wealth among multiple advisors or firms.
- [3rd Quarter 2025 Commentary](https://voisardgroup.com/3rd-quarter-2025-commentary/):      
- [The Private Equity Exit Playbook: Managing New Wealth With Intention](https://voisardgroup.com/the-private-equity-exit-playbook-managing-new-wealth-with-intention/): A first private equity (PE) exit is a massive opportunity, but with new wealth comes the need for smart, strategic management. For rising PE talent, this is a pivotal moment to secure your financial future.
- [ESOPs: What Every Business Owner Needs to Know](https://voisardgroup.com/esops-what-every-business-owner-needs-to-know/): This is a guest article from Charles Kroll of Pilot Hill Advisors, an expert on Employee Stock Ownership Plans (ESOPs) 
- [The Hidden Costs of Managing Your Own Money](https://voisardgroup.com/the-hidden-costs-of-managing-your-own-money-2025/): Think managing your own investments saves money? In 2025, the biggest costs aren’t the fees you avoid—they’re the ones you don’t see coming.
- [Trump Accounts: Everything Parents Need to Know About This New Savings Vehicle](https://voisardgroup.com/trump-accounts-everything-parents-need-to-know-about-this-new-savings-vehicle/): Parents and caregivers have a new tool for building their children's financial futures: "Trump Accounts." Created under the "One Big, Beautiful Bill Act," these tax-deferred investment accounts are designed to give every American child a financial head start. But what exactly are they, and are they the right choice for your family? Here is a detailed guide to help you understand how they work. 
- [Unlocking the Wealth-Building Power Hidden in Your Mortgage](https://voisardgroup.com/unlocking-home-equity-strategy/): This is a guest article from Greg Clausen of Fairway Home Mortgage, an expert on unlocking home equity.
- [Senior Deduction in the One Big Beautiful Bill Act](https://voisardgroup.com/senior-deduction-in-the-one-big-beautiful-bill-act/): Beginning in 2025, a newly passed piece of legislation—nicknamed the “One Big Beautiful Bill”—introduces a powerful new senior deduction specifically for Americans aged 65 and older. It’s a provision that could ease the tax burden on seniors, especially those living on fixed incomes or drawing from retirement savings. 
- [Student Loan Payments & Your Credit Score: What Changed in 2025 and What to Do Now](https://voisardgroup.com/student-loan-payments-impact-credit-score-student-loan-credit-score/): For millions of Americans, the long-awaited return of student loan payments brought a mix of relief and trepidation. After a multi-year pause, federal student loan repayments officially resumed in October 2023. However, a significant grace period, known as the "on-ramp" period, shielded borrowers from the immediate credit score consequences of missed payments. That on-ramp has now ended, and the financial ripple effect is becoming increasingly apparent: missed student loan payments are officially being reported to credit bureaus, with potentially significant consequences for borrowers' financial health.
- [Crypto, Clarity & Your Portfolio: What Smart Investors Need to Know in 2025](https://voisardgroup.com/crypto-investing-clarity-for-your-portfolio-in-2025/): The world of cryptocurrency is no longer a niche corner of the financial market. With increasing institutional adoption, the approval of Bitcoin Exchange-Traded Funds (ETFs), and a rapidly evolving regulatory environment, digital assets are becoming an increasingly relevant topic for individual investors. It's crucial to understand the current landscape and how these developments might impact your personal finances and investment strategies.
- [2nd Quarter 2025 Commentary](https://voisardgroup.com/q2-2025-market-commentary/):      
- [Roth Conversions for High Earners: How to Defuse the Retirement Tax Time Bomb](https://voisardgroup.com/roth-conversions-for-high-earners/): Roth conversions involve complex calculations and significant tax implications. The stakes are even higher for high-net-worth individuals, but so are the potential rewards. We help you navigate income thresholds and potential Medicare adjustments and integrate conversions into your broader estate plan.
- [“One Big Beautiful Bill” Reshapes Taxes—What It Means for High Earners](https://voisardgroup.com/one-big-beautiful-bill-reshapes-taxes-what-it-means-for-high-earners/): The recently signed "One Big Beautiful Bill Act" (OBBBA) brings a significant overhaul to individual income taxation, making permanent several key provisions from the 2017 Tax Cuts and Jobs Act (TCJA) and introducing new, albeit temporary, deductions. Here's what you need to know:
- [Retire with Purpose, Not Just a Portfolio: 5 Tips from a Certified Retirement Coach](https://voisardgroup.com/retire-with-purpose-not-just-a-portfolio-5-tips-from-a-certified-retirement-coach/): A solid financial plan is the foundation of a good retirement. But once the spreadsheets are squared away and the numbers make sense, many people still find themselves asking: Now what?
- [Unlocking the Power of 529 Plans: Smarter Education Planning for High Earners](https://voisardgroup.com/unlocking-the-power-of-529-plans-smarter-education-planning-for-high-earners/): While 529 plans are flexible, there are rules about what counts as a "qualified education expense" to maintain the tax benefits. Generally, these include:
- [Cracking the SALT Code: What High Earners Need to Know Before 2026](https://voisardgroup.com/cracking-the-salt-code-what-high-earners-need-to-know-before-2026/): The federal deduction for state and local taxes (SALT) has been a hot topic since 2017, especially for residents in high-tax states. Here's a quick breakdown of what it is, proposed changes, and how to navigate your own tax situation.
- [Inflation Is Cooling—But the Cost of Living Remains Elevated: What High-Net-Worth Investors Should Know](https://voisardgroup.com/inflation-is-cooling-but-the-cost-of-living-remains-elevated-what-high-net-worth-investors-should-know/): Inflation has finally begun to ease. The latest data shows the U.S. inflation rate sitting at 2.3%—the lowest in years. On the surface, this looks like encouraging news. For those of us who monitor macroeconomic indicators closely, it’s a welcome sign that some pressure is coming off the system.
- [Enduring Principles for Lasting Wealth: A Caution Against Market Myths](https://voisardgroup.com/a-caution-against-market-myths/): We have heard whispers lately – or even outright pronouncements – that "this time is different." Perhaps it's due to the rapid technological advancements, unprecedented government intervention, a novel economic paradigm, or the recent development of tariffs. The allure of a truly unique era that renders traditional investment wisdom obsolete can be strong. However, as your trusted Certified Financial Planners, we believe examining this sentiment with a healthy dose of historical perspective is crucial.
- [High-Tech, High Risk: How AI Investing Can Mislead Even Seasoned Investors](https://voisardgroup.com/high-tech-high-risk-how-ai-can-mislead/): The democratization of artificial intelligence is rapidly changing many aspects of our lives, and the world of investing is no exception. With sophisticated AI tools now readily available to individual investors – promising everything from stock predictions to personalized portfolio analysis – a new form of investor overconfidence is emerging. The allure of AI-driven insights can create a dangerous illusion of superior knowledge, leading investors to believe they've gained an edge that makes them smarter than the collective wisdom of the market. But is this newfound confidence warranted, or is it a recipe for poor investment decisions?
- [Navigating Market Turbulence: 4 Opportunities Amidst Uncertainty](https://voisardgroup.com/navigating-market-volatility-4-opportunities-amidst-the-uncertainty/): Recent weeks have seen the market grappling with concerns surrounding tariffs, economic growth, and inflation, leaving investors searching for any glimmer of hope. While a downturn can feel unsettling, it's important to remember that market fluctuations are a normal part of the investment cycle. Instead of solely focusing on potential losses, savvy investors can consider proactive strategies that may offer long-term advantages. Rather than attempting to time the market's peaks and valleys, which is often a fruitless endeavor, let's explore four key moves centered on portfolio maintenance, tax efficiency, and long-term growth during a challenging market.
- [$36 Trillion and Counting: The Debt Crisis America Can’t Ignore](https://voisardgroup.com/36-trillion-and-counting-the-debt-crisis-america-cant-ignore/): As of March 2025, U.S. government debt and fiscal policy remain a critical and hotly debated issue, casting a shadow over our nation's economic future. The confluence of persistent deficits, rising interest rates, and long-term demographic pressures has created a complex challenge that demands careful consideration and decisive action.
- [1st Quarter 2025 Commentary](https://voisardgroup.com/quarterlycommentary-q12025/): The economy had good momentum coming into 2025. Job creation had been solid and inflation had trended down from the start of 2024, although there had been some upward pressure on prices in recent months. However, recent tariff announcements have led to a more uncertain outlook for consumers and businesses. This, combined with a stock market downturn and softer economic data, has increased concerns.
- [Is Your Portfolio Too Focused on U.S. Stocks? Time to Diversify!](https://voisardgroup.com/too-focused-on-u-s-stocks-international-markets/): Domestic markets have outperformed international markets since the 2008 financial crisis. However, since the start of 2025, domestic markets have struggled, leading to outperformance in international markets. Current situations prove the importance of diversification across both international and domestic markets. Let’s how the S&P 500 compares to international stocks, considering factors like valuation metrics, dividend yields, and the impact of currency fluctuations. In this article, we will use the ACWI ex-US index to represent international stocks as it contains broad exposure to both developed and emerging market countries.
- [Social Security Update: Faster Benefit Increases for WEP & GPO Beneficiaries](https://voisardgroup.com/social-security-update-faster-benefit-increases-for-wep-gpo-beneficiaries/): Social Security has begun to send out retroactive payments and benefit increases to those whose benefits have been affected by the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO).  The retroactive payments began in February and should be completed by the end of this month.  Additionally, the increase in monthly benefit payments should begin in April.
- [Grand Rapids Luxury Living:  A Thriving Market for High-Net-Worth Individuals](https://voisardgroup.com/grand-rapids-real-estate-luxury-living/): Grand Rapids has solidified its position as a thriving destination for high-net-worth individuals seeking a sophisticated lifestyle and lucrative investment opportunities. The city's blend of historic charm, modern amenities, a robust economy, and vibrant arts scene continues to attract discerning buyers. While the "hidden gem" narrative may have evolved, Grand Rapids' appeal remains strong, driven by corporate relocations and the ever-expanding prominent healthcare systems.
- [3 Powerful Benefits of Donor-Advised Funds for Charitable Giving](https://voisardgroup.com/3-powerful-benefits-of-donor-advised-funds-for-charitable-giving/): Donor-advised funds (DAFs) have become increasingly popular charitable giving vehicles, offering a blend of immediate tax benefits and long-term philanthropic flexibility. But what makes them so attractive? Here are three key benefits that set DAFs apart:   Immediate Tax Benefits One of the most compelling advantages of a DAF is the ability to receive an immediate tax deduction when you contribute assets to the fund. This means that in the year you donate, you can deduct the fair market value of the assets (cash, stocks, or other appreciated assets) from your taxable income, up to certain limits. This can be particularly beneficial in years where you have a higher income or have realized significant capital gains. By front-loading your charitable giving, you can maximize your tax savings and potentially lower your overall tax burden. Furthermore, because the contribution is made to the DAF, you are no longer liable for capital gains taxes on appreciated assets, potentially increasing the amount available for granting to charities.   Simplified Giving and Administration Managing multiple charitable donations can be complex, involving tracking receipts, managing paperwork, and coordinating with various organizations. A DAF simplifies this process considerably. You make a single contribution to the DAF, receive one tax receipt, and then recommend grants to your chosen charities over time. The DAF sponsor organization handles all the administrative details, including investment management, grant processing, and record keeping. This streamlined approach frees up your time and reduces the administrative burden associated with charitable giving. It also allows you to consolidate your giving into one account, making it easier to track your philanthropic impact.   Strategic Philanthropy and Legacy Planning A DAF isn't just a tax-advantaged giving vehicle; it's a tool for strategic philanthropy. You can take your time to research and identify the charities that align with your values and make grants when you feel the time is right. This allows for thoughtful and deliberate giving, rather than rushed decisions at the end of the tax year. Furthermore, DAFs can be used as part of your estate planning strategy. You can name successors to manage the fund after your lifetime, ensuring your philanthropic legacy continues for generations. This allows you to instill your values in future generations and create a lasting impact on the causes you care about.   Donor-advised funds offer a powerful combination of tax benefits, administrative ease, and strategic philanthropic opportunities. They empower donors to make a greater impact on the causes they care about, both now and in the future. However, it's important to consult with a financial advisor to determine if a DAF is the right fit for your individual circumstances and philanthropic goals. If you feel like a DAF may be a viable strategy for your circumstances, contact the Voisard Asset Management Group team today.
- [4 Psychological Traps That   Sabotage Your Investments](https://voisardgroup.com/4-psychological-traps-sabotage-your-investments/): Investing isn't just about crunching numbers; it's a mental game. Our brains, while powerful, are wired with biases that can significantly derail our financial goals. Understanding these psychological traps is crucial for building and preserving wealth. Let's explore four key areas where emotions can sabotage your investment success: 
- [Social Security Fairness Act: A Game-Changer for Public Servants](https://voisardgroup.com/social-security-fairness-act-a-game-changer-for-public-servants/): On January 5, 2025, President Biden signed the Social Security Fairness Act into law.  The Act addressed two rules that for decades, have reduced or eliminated Social Security benefits for many public servants.  The two rules that were eliminated were the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). 
- [Decoding Mortgage Rates: More Than Just the Fed](https://voisardgroup.com/decoding-mortgage-rates-more-than-just-the-fed/): Mortgage rates are influenced by a complex interplay of factors beyond the Fed's control. Strong millennial demand and tighter lending standards suggest a different housing market dynamic compared to the 2008 crisis. 
- [Navigating the Financial Maze: Why a Fiduciary Advisor is Your Essential Guide](https://voisardgroup.com/navigating-the-financial-maze-why-a-fiduciary-advisor-is-your-essential-guide/): In today's complex financial landscape, making sound decisions about your money can feel like navigating a maze. With a plethora of investment options, fluctuating markets, and evolving regulations, it's easy to feel overwhelmed. This is where a financial fiduciary advisor can make all the difference. But what exactly is a fiduciary, and why is it so important to work with one? 
- [Tariffs for Canada, Mexico, and China: What Consumers and Businesses Need to Know](https://voisardgroup.com/tariffs-for-canada-mexico-and-china-what-consumers-and-businesses-need-to-know/): The administration justifies these tariffs by citing national security concerns, the need to address trade imbalances, and the desire to boost domestic manufacturing. 
- [4th Quarter 2024 Commentary](https://voisardgroup.com/4th-quarter-2024-commentary/): The economy proved resilient in the fourth quarter of 2024 despite uncertainty around monetary policy, a U.S. election, and geopolitical tensions. Third-quarter real GDP growth came in at 2.8% as consumer spending remained strong. Consumption makes up 70% of the US economy, so a healthy consumer usually translates into a solid economy. Business investment and government spending also contributed to growth, while weakness in home construction and softer imports were a drag on the economy.
- [Maximize Your Retirement Income: The Benefits  of Delaying Social Security](https://voisardgroup.com/maximize-your-retirement-income-the-benefits-of-delaying-social-security/): Many rely on Social Security benefits as a crucial part of retirement planning. While claiming benefits early might seem tempting, understanding the advantages of delaying Social Security can significantly enhance your financial security in retirement. This article explores the key benefits of delaying your Social Security benefits and helps you determine if this strategy is right for you.
- [5 Key Areas for Your Annual Financial Checkup](https://voisardgroup.com/annualfinancialcheckup/): Just as a yearly physical is essential for maintaining your physical health, an annual financial checkup is crucial for your financial well-being. While comparing yourself to others isn't always helpful, focusing on key areas can ensure you're on track to achieve your unique financial goals. This article outlines five critical areas to review annually, providing expert tips to optimize your financial health.
- [New 401(k) Super Catch-Up: A Golden Opportunity for Older Workers](https://voisardgroup.com/new-401k-super-catch-up-retirement-savings/): A recent change in tax law has introduced a new "super catch-up" provision for 401(k) plans. This exciting development offers a unique opportunity to boost your retirement nest egg significantly. 
- [How to Maximize Your Business Value: 5 Key Areas of Focus](https://voisardgroup.com/how-to-maximize-your-business-valuation-5-key-areas-of-focus/): In a recent conversation with Brandon Bauer of Voisard Asset Management Group, Max Friar, Managing Partner at Calder Capital, shared actionable tips to help business owners increase their company’s value. Calder has completed nearly 300 lower middle market transactions since 2013, and Voisard asked Max to discuss the most impactful area to improve valuation. By focusing on five key areas—customer diversity, recurring revenue, strong teams, accurate recordkeeping, and profitability—owners can reduce risks for buyers and build trust, ultimately leading to a higher valuation. Here, we explore these strategies in detail with practical examples. 
- [Social Security: Will Your Benefits Survive?](https://voisardgroup.com/social-security-will-your-benefits-survive/): Social Security faces long-term funding challenges–as you’ve likely heard– but the benefits aren't disappearing. While it's true that the program faces long-term funding challenges, it's important to understand that even without immediate reforms, the program will still cover most payouts for decades. Continue reading to learn more about the current state of Social Security and potential solutions to ensure its longevity.
- [Tariffs:  Economic Savior or Consumer Nightmare?](https://voisardgroup.com/tariffs-economic-savior-or-consumer-nightmare/): Recently, we provided commentary on President Trump’s proposed tariffs. For starters, a tariff is a tax imposed by a government on goods imported into a country. Governments often use tariffs to influence trade flows and protect domestic industries. By increasing the prices of imported goods, tariffs can shift demand towards domestic products instead of products made abroad.  For example, suppose the United States imposes a tariff on imported cars. In that case, it will make foreign vehicles more expensive, potentially boosting sales of domestically produced cars such as Fords and Jeeps.
- [How Will the Elections Impact the Economy?](https://voisardgroup.com/how-will-the-elections-impact-the-economy/): A couple of weeks ago, President Trump was declared the presidential election winner and will start his second term in office in January. After winning a narrow majority in the House and a three-seat majority in the Senate, the country will have a unified government with one party having majority rule in all three areas. For this article, we will discuss at a very high level some of the expected policies from the new administration, the state of the markets and economy, and how we invest for clients.
- [Am I Maximizing My Retirement?](https://voisardgroup.com/am-i-not-maximizing/): The IRS has released the updated contribution limits for 2025. While not every limit was changed, some adjustments were made that may impact your situation. If you were maxing out contributions for tax-advantaged accounts in 2024, you might not be on pace to maximize contributions for 2025. It is important to note that while these are the maximum amounts, there are eligibility requirements that also must be met. If you are unsure if you are eligible, please consult a trusted professional.
- [Understanding Social Security Widow’s Benefits](https://voisardgroup.com/understanding-social-security-widows-benefits/): Losing a spouse is a devastating experience, and coping with the financial implications can add to the burden. Thankfully, Social Security provides benefits to help widows and widowers navigate this difficult time. Here is a breakdown of what you need to know:
- [3rd Quarter 2024 Commentary](https://voisardgroup.com/3rd-quarter-2024-commentary/): Market Performance Overview
- [What Happens to Your Assets if You Pass Away?](https://voisardgroup.com/what-happens-to-your-assets-if-you-pass-away/): Daily life may be so hectic that people barely have time to review their portfolios, let alone think about the future. However, what happens to your assets if you pass away? We often believe that such a tragic event won't happen to us. But if it does, where will your money go? Who will make medical decisions for you? Who will raise your children? These questions are challenging but crucial to ensure that your final wishes are respected and carried out without confusion in the event of a tragedy. Being well-prepared ensures that your wishes are legally recognized and reduces uncertainty for your family.
- [What Does The Fed’s Cut Mean?](https://voisardgroup.com/what-does-the-feds-cut-mean/): The Federal Reserve (Fed) manages monetary policy and regulates the financial system. As part of its role, the Fed sets the federal funds rate, the interest rate banks charge each other for overnight loans. Several factors, including inflation, unemployment, economic growth, and the financial system's stability, influence the Fed's decisions on interest rates.  On September 18, 2024, the Fed cut the federal funds rate by 50 basis points, or 0.50%, to 4.75% - 5.00%, marking its first rate cut since March 2020.  This cut was primarily due to the following factors:
- [Is Volatility Normal?](https://voisardgroup.com/is-volatility-normal/): The stock market has long been a preferred avenue for investors aiming to grow their wealth, outpace inflation, and achieve financial goals. However, the journey isn't a straight upward trajectory; the market experiences fluctuations and volatility that can challenge even the most seasoned investors.
- [A New Perspective on Asset Allocation:  A Personalized Approach](https://voisardgroup.com/a-new-perspective-on-asset-allocation-a-personalized-approach/): Asset allocation is the cornerstone of long-term investment success. It's the strategic mix of different investment types, such as stocks, bonds, cash, and alternatives, within your portfolio. This mix directly impacts your portfolio's risk and potential return.
- [Understanding RSUs and RSAs](https://voisardgroup.com/understanding-rsus-and-rsas/): Restricted stock units (RSUs) and restricted stock awards (RSAs) are common forms of stock compensation that grant shares of a company's stock to employees. These awards are subject to certain conditions, typically employment duration or performance metrics, before the employee gains full ownership. This article will define these forms of compensation and provide details to be aware of if you receive them.
- [Investing in an Election Year](https://voisardgroup.com/investing-in-an-election-year/): Every four years, investors' emotions run high as markets intersect with the U.S. presidential election. At Voisard Asset Management, our priority is clear: Empowering clients with data rather than political or emotional views. We believe that data-driven decisions are the key to successful investing, and we are committed to providing the facts to help our clients make informed, emotionless decisions.
- [Maximizing Your HSA’s Potential](https://voisardgroup.com/maximizing-your-hsas-potential/): Health Savings Accounts (HSAs) offer a unique set of tax advantages, making them a valuable tool for managing healthcare expenses and long-term financial planning. Contributions to an HSA are tax-deductible, and any earnings within the account grow tax-free. Additionally, qualified medical expenses can be withdrawn tax-free, providing significant cost savings for individuals and families enrolled in high-deductible health plans (HDHPs).
- [2nd Quarter 2024 Commentary](https://voisardgroup.com/2nd-quarter-2024-commentary/): Market Performance Overview
- [International Valuations](https://voisardgroup.com/international-valuations/): Our last few articles focused on the S&P 500's price-to-earnings ratio (P/E ratio). Today, we'll shift gears and explore how the S&P 500 compares to international stocks, considering factors like valuation metrics, dividend yields, and the impact of currency fluctuations. In this article, we will use the ACWI ex-US index to represent international stocks as it contains broad exposure to both developed and emerging market countries.
- [Future Stock Returns](https://voisardgroup.com/future-stock-returns/): About a month ago, we shared that valuations matter. This blog post will look at the valuation of the S&P 500 through the lens of the price-to-earnings ratio (P/E ratio), one of the most widely used valuation measures. As a reminder, the P/E ratio is a way to value a company by comparing its stock price to its earnings. In simple terms, the P/E ratio tells you how much you are paying for each dollar of a company’s earnings. We can then compare the stock's P/E ratio to historical averages to determine if we are paying more than normal or less than normal for each dollar of earnings, ultimately telling us if the stock is currently cheap or expensive.
- [Market Returns After a Federal Reserve Hiking Cycle](https://voisardgroup.com/market-returns-after-a-federal-reserve-hiking-cycle/): The last Federal Reserve (Fed) interest rate hike occurred on July 26, 2023. The Fed has held interest rates steady ever since, and most economists now agree that future rate cuts are more likely than future rate hikes. If the Fed is truly done raising interest rates, how should we expect stock and bond markets to perform moving forward?
- [Save Smarter, Not Harder: Practical Tips to Build Your Future Despite Rising Costs](https://voisardgroup.com/save-smarter-not-harder-practical-tips-to-build-your-future-despite-rising-costs/): Introduction:
- [P/E Matters](https://voisardgroup.com/p-e-matters/): Sorry to disappoint, but we are not talking about Private Equity.  In this instance, we are referring to the price-to-earnings ratio of stocks.  Simply put, the P/E ratio is the price of a stock relative to a company’s earnings per share.  The current P/E ratio of companies you may know include Amazon (53.22x), Nvidia (74.37x), Tesla (43.98x), General Electric (54.89x), Ford (12.51x), and Google at (26.75x).  Is a high P/E ratio good or bad?  Let’s take a closer look at what it all means.
- [The True Cost of Buying and Owning a Home](https://voisardgroup.com/the-true-cost-of-buying-and-owning-a-home/): Homeownership is often seen as the American dream, a symbol of stability and financial security. But beyond the initial excitement of house hunting lies the reality of upfront and ongoing expenses that can surprise first-time buyers. This article delves into the true cost of buying and owning a home, helping you make informed decisions before taking the plunge.
- [The Hidden Costs of Managing Your Own Money](https://voisardgroup.com/the-hidden-costs-of-managing-your-own-money/): Establishing clear financial goals and creating a plan to achieve them is our first Investing Principle at Schwab. When you don’t take the time to write down your financial goals and how much savings it will take to achieve them, you’re less likely to stay on track.
- [1st Quarter 2024 Commentary](https://voisardgroup.com/1st-quarter-2024-commentary/): __________________________________________________________________________________________________
- [Charitable Giving Strategies – Alternatives to Cash](https://voisardgroup.com/gifting-strategies-alternatives-to-cash/): Looking to maximize your charitable impact while minimizing your tax burden? Explore effective charitable giving strategies for optimal results. Giving back to your community can be incredibly rewarding. This article explores three powerful strategies for individuals who want to support worthy causes and keep more money in their pockets. Within these strategies, we'll examine how they empower individuals to receive benefits from charitable contributions.
- [College Savings Roadmap](https://voisardgroup.com/college-savings-roadmap/): Saving for college can seem daunting, but with the right strategies and planning, you can help ensure your loved one has the financial resources needed to pursue their academic goals. Here are some key steps to consider:
- [How much will college cost and how much do I need to save?](https://voisardgroup.com/how-much-will-college-cost-and-how-much-do-i-need-to-save/): These figures represent published prices, also known as "sticker prices," which are the advertised costs before considering financial aid or scholarships. The actual cost for many students may be lower than the published price due to factors like financial aid, grants, and scholarships.  It is also important to note that these are national averages.
- [Convert and Pay Less?](https://voisardgroup.com/convert-and-pay-less/): Roth IRA conversions can be a powerful tax-saving strategy; however, it is important to be aware of how they work and who they are best suited for before the conversion. While most people’s goal is to minimize their tax liability annually, what if it made sense to pay taxes on retirement distributions sooner rather than later?
- [4th Quarter 2023 Commentary](https://voisardgroup.com/4th-quarter-2023-commentary/): Charts, graphs, market performance 2023 data, and commentary sourced from J.P. Morgan Asset Management.
- [3rd Quarter 2023 Commentary](https://voisardgroup.com/3rd-quarter-2023-commentary/): __________________________________________________________________________________________________
- [Tax Sunset – What’s Coming?](https://voisardgroup.com/tax-sunset-whats-coming/): A tax sunset refers to a situation in which provisions of the tax code are set to expire at a set future date. More specifically, the tax provisions of the Tax Cuts and Jobs Act (TCJA) of 2017 are scheduled to expire at the end of 2025. This means that some notable features of individual and estate tax planning that people have become accustomed to are en route to expiration. The impending sunset has left many taxpayers wondering, “How do I prepare for this?”
- [Nearing College – What to Consider!](https://voisardgroup.com/nearing-college-what-to-consider/): Once your child has been accepted to college, they will receive a financial aid package that outlines the amount of financial aid they have been awarded. Review the package carefully to make sure you understand what is included. A large determinant in how much financial aid your child may receive is through the FAFSA or Free Application for Federal Student Aid. To estimate your eligibility for federal financial aid, use the Expect Family Contribution Calculator. This tool helps in estimating the student and family contribution towards paying for the cost of higher education. Lastly, ensure you have done your research on the FAFSA requirements and meet the filing deadline which can vary by state. The typical filing deadline for the first FAFSA application is October 1 of your child’s senior year of high school.
- [529 Plans – More Flexibility?](https://voisardgroup.com/529-plans-more-flexibility/): In December 2022, Section 126 of the SECURE 2.0 Act introduced a rule for 529 plans. This rule, effective in 2024, allows converting unused 529 funds to a Roth IRA. It's for children who don't attend college or don't use all 529 funds. Previously, nonqualified 529 plan withdrawals faced taxes and a 10% penalty. Starting in 2024, excess funds can be moved to a Roth IRA for tax-free growth.
- [2nd Quarter 2023 Commentary](https://voisardgroup.com/2nd-quarter-2023-commentary/): At the current juncture, it is difficult to be overly bullish on equities. While performance this year has been better, it has been entirely driven by valuation expansion on the back of lower interest rate expectations, with the top ten companies in the S&P 500 accounting for 13.8 percentage points of the 14.9% price return YTD. As expectations adjust, multiples could come under further pressure if we see weaker economic data in the months ahead. A period of economic weakness where the Fed must cut rates to spark the economy can be a difficult environment for high-risk, growth assets. As a result, high-quality companies with strong cash flows remain attractive. This, along with slowing growth weighing on earnings expectations, creates a challenging backdrop for equities ahead. While equities may be facing headwinds, international equities continue to trade at a historic discount, making them attractive in moving forward.
- [Student Loan Forgiveness – What’s Next?](https://voisardgroup.com/student-loan-forgiveness-whats-next/): Just a few hours after the Supreme Court shut down President Biden’s student loan forgiveness plan, the White House looked to create several different avenues to provide support for borrowers affected by the ruling. One of these avenues provides borrowers some elbow room by creating a temporary 12-month on-ramp repayment program that runs from October 1, 2023, to September 30, 2024. This program helps borrowers avoid default if they miss a payment on or after October 1st. Also, if a borrower were to miss a payment within the 12-month on-ramp period, it would not be considered delinquent or be reported to credit agencies. It is important to note that interest will still accrue during this time even if payments are missed.
- [Jobs Market – Mixed Signals?](https://voisardgroup.com/jobs-market-mixed-signals/): Countless data points are utilized to assess the strength of the jobs market. Three jobs-specific data points stood out in the May report. They were nonfarm payroll employment, wage growth, and unemployment. Below you will find a breakdown of these as well as what they may be signaling.
- [Time to Shift To International?](https://voisardgroup.com/time-to-shift-international/): Over the last 10 years, the S&P 500 produced an annualized return of 12.48%. During that same period, the MSCI EAFE (representing 21 developed countries) 10-year annualized return was just 4.96%. This dramatic out-performance by U.S. markets leaves many investors asking themselves why they would hold any international investments.  As we hit the midway point of 2023, this feeling may need to be reassessed, as several key factors suggest a changing of the tides. Ultimately, the era of the S&P 500 out-performance may be coming to an end.
- [5 Ways Financial Planning Can Help](https://voisardgroup.com/5-ways-financial-planning-can-help/): The article below was published by our custodian, Charles Schwab.
- [2023 Quarterly Commentary Q1](https://voisardgroup.com/2023-quarterly-commentary-q1/): __________________________________________________________________________________________________
- [How to Transition from Savings to Living Off Your Savings](https://voisardgroup.com/how-to-transition-from-savings-to-living-off-your-savings/): Many people say the transition from saving to living off their savings is one of the biggest challenges of retirement, due (at least in part) to complex tax rules and uncertainty around how long their money will last.
- [5 Surprise Retirement Expenses](https://voisardgroup.com/5-surprise-retirement-expenses/): https://www.schwab.com/learn/story/5-surprise-retirement-expenses
- [2023 Bank Liquidity Fears](https://voisardgroup.com/2023-bank-liquidity-fears/): Last week we saw Silvergate Bank, Silicon Valley Bank and Signature Bank across headlining news.  Each one of them failed, for similar yet different reasons.  In general, banking is an enterprise that relies as much on confidence as on cash.  If either of those run out, the game is over, for any bank.

## Pages
- [Financial Advisor in Grand Rapids, MI | Voisard Office Location](https://voisardgroup.com/about/financial-advisor-in-grand-rapids-mi-voisard-office-location/): If you’re meeting with Douglas Voisard, CFP®, Brandon Bauer, CFP®, Jordan Buffum, CFP®, Dan Haines, CFP®, CFA, Jordan Katje, CFP®, or Michael MacGillivray, CFP® at our Grand Rapids office, this page will help you find us quickly and easily.
- [Financial Advisor in Kalamazoo & Portage, MI | Voisard Office Location](https://voisardgroup.com/about/financial-advisor-in-kalamazoo-portage-mi-voisard-office-location/): Voisard Asset Management Group serves Kalamazoo & Portage, MI clients from our office at 7950 Moorsbridge Rd. Experienced, fee-only financial advisors.
- [Services](https://voisardgroup.com/our-services/): Our Services
- [COURTNEY HALL](https://voisardgroup.com/courtney-hall/): Courtney joined Voisard Asset Management Group in 2025 as a Client Services Specialist. Her time is spent going above and beyond to provide the highest quality of service to the clients and families of the firm. With almost 4 years of experience in the investment industry, Courtney has developed a passion for helping families find freedom in their relationships with money so that they can live out their dreams.
- [JANET NAVA](https://voisardgroup.com/janet-nava/): Janet Nava joined Voisard Asset Management Group in 2025 as a Client Services Specialist. With a background in customer service, she worked in healthcare and agriculture before finding an interest in Finance. Janet has a bachelor’s degree in Behavioral Neuroscience from Grand Valley State University. She spends most of her personal time with her boyfriend and friends, either playing games online, going out to new restaurants, or reading. She also is an avid plant lover and has a large collection at home.
- [Dan Haines, CFP®, CFA](https://voisardgroup.com/dan-haines/): Dan joined Voisard Asset Management Group in 2024 as a Senior Wealth Manager. He is responsible for the development of comprehensive wealth management plans, the management of investment portfolios and the development of firm-wide investment strategies.
- [Michael MacGillivray, CFP®](https://voisardgroup.com/michael-macgillivray/): Michael MacGillivray joined Voisard Asset Management Group in January 2024, initially working part-time while completing his final semester at Calvin University. After graduating with honors in Financial Planning, he transitioned to a full-time role as a Financial Planning Associate with the company in May 2024.
- [Financial Planning in Grand Rapids, MI](https://voisardgroup.com/financial-planning-in-grand-rapids-mi/): As a financial planning advisor practice in Grand Rapids, Voisard Asset Management Group makes complex financial decisions simple. We employ a holistic financial planning process that provides our clients with the peace of mind in knowing that their individualized plan is appropriate for their needs. 
- [Investable Assets, Allendale, MI](https://voisardgroup.com/investable-assets-allendale-mi/): Voisard Asset Management Group aims to be your investment manager in Allendale, MI to help with your investable assets. Investing might not be on the top of your agenda, but our team wants to help you plan better for your financial future. Through our process, we may help set forth a plan to give you the best potential to reach your future goals. We know that it is scary to put your finances in the hand of others, but that is why we have transparency in our communication. We provide our clients with timely market updates and quarterly investment reports detailing performance, risk exposure, and investment holdings. Allow us to be your investment manager in Allendale, MI.
- [High Income Investing, Byron Center, MI](https://voisardgroup.com/high-income-investing-byron-center-mi/): Have you planned to invest your money with the hopes of reaching your future goals? Voisard Asset Management Group aims to be your investment manager in Byron Center, MI to help with any high-income investing. While this type of investing might not be on the top of your agenda, our team wants to help you plan better for your financial future. Through our process, we may help set forth a plan to give you the best potential to reach your future goals. We know that it is scary to put your finances in the hand of others, but that is why we have transparency in our communication. We provide our clients with timely market updates and quarterly investment reports detailing performance, risk exposure, and investment holdings. Allow us to be your investment manager in Byron Center, MI.
- [High Income Investments, Ada, MI](https://voisardgroup.com/high-income-investments-ada-mi/): Have you thought about investing your money with the hopes of reaching your future goals? Voisard Asset Management Group aims to be your investment manager in Ada, MI to help with any high-income investments. This type of investing might not be on the top of your agenda, but our team wants to help you plan better for your financial future. Through our process, we may help set forth a plan to give you the best potential to reach your future goals. We know that it is scary to put your finances in the hand of others, but that is why we have transparency in our communication. We provide our clients with timely market updates and quarterly investment reports detailing performance, risk exposure, and investment holdings. Allow us to be your investment manager in Ada, MI.
- [Why Choose Voisard for Estate Planning?](https://voisardgroup.com/why-choose-voisard-for-estate-planning/): With estate planning, you can do one of three things: nothing, which is the majority of what Americans do; you can have a will; or you can have a trust. The decision you make depends on what the goals are. From our perspective, we know very intimately what the person’s goals are, what they want, what they want to accomplish in life. Our job is to help people accumulate and grow their assets while they’re working into retirement through their entire life. It would be very sad if, at the end of their plan, their estate plan wasn’t buttoned up the right way, and their money, assets, and their hard-earned savings didn’t ultimately go where they wanted it to go. We feel, from our perspective, that if their estate plan is not buttoned up properly and is not designed the way they need it to be designed, we’ve done them a disservice. We’re going to take the time in the beginning and on the front end to make sure that we ask the tough questions – and they may not be fun, and we understand that. But we ask the questions that will ultimately make sure that if anything does happen to them, they’re protected.
- [Why Choose Voisard for Income Tax Planning?](https://voisardgroup.com/why-choose-voisard-for-income-tax-planning/): Most investment individuals or financial planners often overlook tax planning and they look solely at a return on investment, which is money in, money out. We think clients are shortchanged when they don’t consider income taxes because every dollar we save a client in tax planning increases their after-tax return and a lot of individuals overlook that entirely. A lot of times, accountants are very good at looking backward about what happened last year, black and white. What we try to do is if we know someone’s goals and what they want in ten or twenty years from now, we can set things up now, to maximize tax benefits moving forward into and through retirement, and oftentimes that will increase their after-tax yield.
- [Why Choose Voisard for Risk Management Planning?](https://voisardgroup.com/why-choose-voisard-for-risk-management-planning/): A lot of the clients that come to us, will come to Voisard in a time of crisis, in a time of need, or in a time when the markets have fallen by 25% or 30%. What we’re doing for all of our clients is taking a look at the front-end of the relationship. We take a look at how much risk do you need in the portfolio to achieve your goals, and how much risk are you wanting to take, and how much risk are you willing to take. What we do is blend those things together for our clients so that they end up with a portfolio that has enough risk in it to achieve the returns that they need, but also doesn’t have too much risk in it so that they’re still able to sleep at night.
- [Bob Lanterman, CFP®](https://voisardgroup.com/bob-lanterman-cfp/): Bob Lanterman graduated from Western Michigan University with a degree in Finance and Accounting. He has held the CERTIFIED FINANCIAL PLANNER™ designation for 38 years and has more than 45 years of experience helping people with their personal finance and investment management needs. Bob is the Founder of Lighthouse Financial Planning, LLC, which focused on delivering clients independent unbiased fiduciary financial advice and money management services. After a long and successful career, Bob has decided to merge his practice with Voisard Asset Management Group as he prepares for retirement.
- [Employee Education Archives](https://voisardgroup.com/market-update/market-update-archive/): Watch as Jordan Buffum, CFP® and John Hays, AIF® walk our clients through quarterly market updates.
- [Jordan Katje, CFP®](https://voisardgroup.com/jordan-katje/): Jordan Katje, CFP® JORDAN KATJE, CFP® WEALTH MANAGER Jordan Katje is a Wealth Manager and CERTIFIED FINANCIAL PLANNER™ at Voisard Asset Management Group. He earned a Financial Planning degree from Calvin University, where he played basketball for four years and served as team captain–bringing a competitive spirit and dedication to his role. Jordan specializes in personalized and tailored financial plans for individuals and small businesses, driven by his parents’ experience managing their own business. Outside of work, he enjoys fishing, pickleball, watersports, and competitive sports.  
- [Grand Haven Financial Planning](https://voisardgroup.com/grand-haven-financial-planning/): https://vimeo.com/357897644/d164d28a49
- [Holland Financial Planning](https://voisardgroup.com/financial-planner-holland-mi/): https://vimeo.com/357897644/d164d28a49
- [Investment Firms in Michigan](https://voisardgroup.com/fee-only-fiduciary-investment-firms-in-michigan/): As one of the fee-only, holistic investment firms in Michigan, Voisard Asset Management Group builds on the relationship between you and your wealth management advisor.
- [Online Personal Financial Advisor](https://voisardgroup.com/online-personal-financial-advisor/): While Voisard Asset Management Group is a Grand Rapids-based fee-only fiduciary, we know the current economic and socially distanced world has everyone on edge about their personal finances. We also know that the best way to be your online personal financial advisor is by building a relationship between you and your wealth management advisor.
- [Best Financial Advisors](https://voisardgroup.com/best-personal-financial-advisors-grand-rapids/): https://vimeo.com/357897644/d164d28a49
- [Certified Financial Planners](https://voisardgroup.com/best-certified-financial-planner/): https://vimeo.com/357897644/d164d28a49
- [JULIE VOISARD](https://voisardgroup.com/julie-voisard/): Julie Voisard has supervised all accounting, payroll and record-keeping functions since the firm’s inception in 2002. Prior to joining the firm, Julie worked in managerial roles with Georgia Pacific Corporation and Menasha Corporation, and tackling the challenge of being a stay-at-home mother. She graduated from Bowling Green State University earning dual degrees in Production and Procurement Management. Julie is married with three daughters and enjoys skiing, camping, reading, yoga and spending time with her family. She is also an active member and volunteer at her local church.
- [MEGAN GREER](https://voisardgroup.com/megan-greer/): Megan Greer joined Voisard Asset Management Group in November 2018 as the Client Services Specialist. In May 2025, she was promoted to Senior Client Services Specialist.  Prior to working at Voisard, she worked as a real estate Transaction Coordinator and Mortgage Loan Coordinator. Born and raised in the Grand Rapids area, she attended Grand Rapids Community College earning an Associate’s Degree in Business Administration. She enjoys meeting and talking to new people, along with exploring Grand Rapids and all it offers. Megan is married with two rambunctious little boys that keep her family on the go. She enjoys visits at Fredrick Meijer Gardens, John Ball Zoo, and any other activity that can be enjoyed outdoors.
- [BETH PARKS](https://voisardgroup.com/beth-parks/): Beth Parks joined Voisard Asset Management Group as Operations Manager after spending over twenty years in county government with a focus on operations, compliance, and human resources management. She is responsible for the day to day operations of the firm, compliance for national and state securities rules, quality control and operational efficiency initiatives, as well as overseeing the administrative staff of the organization. Beth has a Bachelor’s degree from The Ohio State University in Columbus, Ohio. She has two daughters and enjoys spending time with her family and friends, reading, and cheering on the Buckeyes.
- [JORDAN BUFFUM, CFP®](https://voisardgroup.com/jordan-buffum-cfp/): Jordan Buffum joined the firm after graduating from Cornerstone University with a degree in Business Finance. After graduation, he continued his education at the College for Financial Planning to be trained in the disciplines of investment management, tax planning, estate planning, retirement planning, and insurance and risk management. As a CERTIFIED FINANCIAL PLANNER™, he serves his clients by providing holistic wealth management and financial planning services to help them achieve financial freedom.
- [Brandon Bauer, CFP®](https://voisardgroup.com/brandon-bauer-cfp/): Brandon Bauer, who is a CERTIFIED FINANCIAL PLANNER™, joined Voisard Asset Management Group as a Wealth Manager in 2015 and has been in the financial service industry for 14 years. What does a certified financial planner do, you ask? Brandon is responsible for the development of comprehensive wealth management plans, the execution of goal-based planning strategies, and the management of investment portfolios. Prior to Voisard Asset Management Group, Brandon worked at Greenleaf Trust, where he specialized in customized wealth planning for high net worth individuals. He enjoys spending time with his wife and children, taking part in triathlons, golfing and assisting non-profits in his free time.
- [DOUGLAS VOISARD, CFP®](https://voisardgroup.com/douglas-voisard-cfp/): Douglas Voisard is the Founder and President of the firm. He is a CERTIFIED FINANCIAL PLANNER™ and has over three decades of experience in assisting individuals and families navigate the complexity of the financial landscape. He graduated from Bowling Green State University with a degree in Finance and earned a Master’s in Business Administration from the University of Memphis.
- [Quarterly Commentary Archives](https://voisardgroup.com/quarterly-commentary-archives/): Quarterly Commentaries Schedule a Call
- [Insights](https://voisardgroup.com/insights/): We believe it is important for you to stay informed. A Fee-Only Fiduciary Schedule a Call 401(k) Management Articles Blog Estate Planning FAQ Income Taxes Insurance and Risk Management Legislative Updates Market Updates Portfolio Management Quarterly Commentary Retirement Planning Uncategorized Video Video Market Updates All Insights Quarterly Commentary Archives
- [Expectations](https://voisardgroup.com/expectations/): Voisard Asset Management's team approach enables clients and their wealth management advisors to foster a proactive and collaborative relationship. Discover how our approach differs from the competition.
- [Financial Planning Process](https://voisardgroup.com/process/): “We start all relationships with a simple conversation to learn more about you. Investing your time with our team of professionals will pay long term dividends for you and your family.”
- [Employee Education](https://voisardgroup.com/market-update/): Founded in 2002, Voisard Asset Management Group is a fee-only independent financial planning practice in Grand Rapids.
- [About Voisard Asset Management](https://voisardgroup.com/about/): Founded in 2002, Voisard Asset Management Group is an independent source for fee-only investment management. We approach financial planning holistically and offer our clients a full suite of strategic financial planning services. Our independent structure ensures that our only financial relationship is with our clients as a true fiduciary. We provide unbiased advice free from conflicts of interest. Our team of planning and investment professionals carries the CERTIFIED FINANCIAL PLANNER™ designation and the Series 65 license.
- [Contact](https://voisardgroup.com/contact/): Contacting Voisard Asset Management Group is a great first step toward finding a financial advisor near you and working towards the potential for a solid financial future.
- [Voisard – Home](https://voisardgroup.com/): https://youtu.be/lZE7oh_Mz1k