In this training, we walk through how to use the Voyant software to model some of the specific needs of a High Net Worth client.
Transcript
Today, we’re going to be looking at the US version of the Voyant software, but there should be some helpful tips and tricks in here for users in any of our regions, so feel free to stay even if you’re using Voyant elsewhere.
By the end of today’s session, you’ll be equipped to provide tailored, comprehensive advice and clearly demonstrate the value of the strategies you’re recommending to your clients.
A quick housekeeping note before we begin: This session is being recorded, and we’ll send out the recording within 24 hours. We won’t be taking live questions during the webinar, but if you have follow-up questions, please email me at support@planwithvoyant.com.
Case Study: James and Monica Miller
Today, we’re going to focus on James and Monica Miller, a couple with a net worth of just over $26 million and two young adult children.
If we look at their base plan:
Assets: $32M+
Debts: about $6M
Net worth: $26.2M
They have two children—Maggie (23) and Ben (19). Their goals include:
A $600,000 annual lifestyle goal
Charitable donations
This base plan represents their starting point, before we’ve added any planning strategies. Our focus today will be to explore ideas for reducing their estate taxes and lowering their overall cumulative taxes throughout the plan.
Strategy 1: Line of Credit
The first pre-built what-if plan we’ll review is the Line of Credit strategy.
In the Debts and Loans section, I’ve created a $25 million line of credit with a 5% interest rate.
We’re using this in the early years to fund spending from the line of credit, while allowing their assets to remain invested and continue to grow.
To present this, I’d go to the Let’s See → Compare Plans → Chart View.
In the Assets chart, you can clearly show the impact of using a line of credit versus their base plan.
For example, in 2038, you can already see a marked difference in asset levels.
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By the end of the plan, the contrast is dramatic:
Base plan: about $100M left in assets
Line of Credit strategy: about $248M left in assets
This view helps you open the conversation with clients: Do they want to maximize their estate value for heirs, or do they have different priorities?
It’s also worth noting that taxes may be slightly higher under this strategy, but the net benefit to their estate is significant.
Strategy 2: Irrevocable Trust
Next, let’s look at the Irrevocable Trust strategy.
In this version, we distribute assets into a grantor irrevocable trust during the plan.
This allows assets to pass to heirs over time, rather than all at once at mortality.
Again, using the Let’s See → Compare Plans → Chart View, you can:
Compare assets inside and outside the trust.
Review cumulative taxes in both plans.
Move to the Legacy screen to highlight the reduction in estate taxes.
This is a great way to demonstrate how trusts can balance asset distribution, taxes, and legacy goals.
Strategy 3: Donor-Advised Fund
Another strategy to consider is the Donor-Advised Fund (DAF).
This allows the Millers to make charitable gifts during their lifetime.
It reduces their cumulative tax burden and increases their philanthropic impact.
In the Legacy screen, you can:
Compare the base plan with the DAF scenario.
Highlight total charitable impact alongside total wealth transfer to heirs.
This is especially impactful for clients who want to balance family legacy with charitable giving.
Estate Plan Customization
Voyant also allows you to create customized estate plans.
Under the Estate Plans section, you can build percentage distributions—for example, 70% to Maggie and 30% to Ben.
Or, set up asset-specific distributions, such as leaving a taxable investment account to a charity.
These customized estate plans appear in the Legacy Overview, providing a clear and visual way to discuss complex estate transfers.
Wrap-Up
I hope today’s walkthrough has been helpful in showing how you can engage your high-net-worth clients with Voyant.
Remember, I’m happy to sit down with you one-on-one to build out specific account types such as Donor-Advised Funds, lines of credit, or trusts.
You can email us at support@planwithvoyant.com to set up a one-on-one session, or share a client plan directly from within Voyant by clicking your client’s name, selecting Request Support, and sharing client access.
Thank you so much for joining today’s webinar. I appreciate your time, and I hope you have a great rest of your day!
Note: To properly model the itemized deduction strategies used in many high net worth plans you may want to toggle the standard deduction feature off. For more information on how to do this click here.