Transcript:
 

How to Remove a Spouse from a Voyant Plan

In this video, we walk through how to remove a spouse from a Voyant plan. This may be required due to divorce, separation, or death. Because people in a plan are often linked to multiple items, it’s important to remove those links before deleting the individual.

This guide shows the safest and most effective way to do that.

Step 1: Review Items Linked to the Spouse

1. Open the plan
2. Select the spouse you intend to remove (e.g., Janice)
3. Click Show Details

You’ll see a list of all items the person:

• Owns
• Co-owns
• Is linked to (goals, income, assets, pensions, events)

⚠️ A person cannot be deleted until all linked items are removed or reassigned.

Step 2: Remove the Spouse from Goals

1. Open the Retirement Goal
2. Remove the spouse from ownership
3. Go to the Timing section
4. Ensure timing is not tied to the spouse’s events
   • Change the end event from the spouse’s mortality to Plan End
   • Change the start event to Plan Start or the remaining spouse’s retirement event (if applicable)
5. Click Done

This prevents the plan from relying on events that will be deleted later.

Step 3: Review Remaining Linked Items

Return to the spouse’s profile and confirm the item count has reduced.

Step 4: Remove Income Linked to the Spouse

1. Open Income
2. Delete or remove the spouse’s income from the plan
3. Save changes

Step 5: Remove the Spouse from Savings & Investments

1. Open Savings and Investments
2. Locate any jointly owned or individually owned accounts
3. Remove the spouse from ownership
   • If the account should remain, reassign ownership to the remaining spouse
4. Review Timing
   • Ensure no timing references the spouse’s events
5. Click Done

Step 6: Remove the Spouse’s Pension(s)

1. Open Pensions
2. Delete the spouse’s pension(s) from the plan
   or
3. If the pension remains relevant, change ownership to the remaining spouse
4. Save changes

Step 7: Delete the Spouse from the Plan

Once the spouse is no longer linked to any items:

1. Select the spouse
2. Click Delete from Plan
3. Confirm deletion

Step 8: Verify Timeline Cleanup

Go to the Timeline and confirm:

• The spouse’s retirement event has been removed
• The spouse’s mortality event has been removed
• No remaining items reference the deleted person

Key Best Practices

• Always remove ownership and timing dependencies first
• Reassign items when appropriate instead of deleting them
• Confirm the timeline is clean before continuing planning
• Consider creating a What-If plan if modeling post-divorce or survivor scenarios

Need Help?

If you have questions or want support reviewing your plan:

1. Click the client name
2. Select Request Support
3. Enter your question and share client access

You can also contact Voyant Support at:
support@planwithvoyant.com