What's your current situation and how can we help you?
Get organized 
Visualize your goals 
Make a plan 
Optimize the plan 
Systematically review and adjust Get organized
The first step to building your financial plan is achieving clarity in your current situation. Our process organizes your financial life, allowing you to make confident and informed financial decisions.
The most intimidating part of financial planning is commonly just figuring out where to start. Our process begins by gathering all of your financial data and organizing it in our financial planning software. Once this is completed, your entire financial picture will be condensed into one central hub. With all of your data at your fingertips, we can now begin to put all the pieces of your financial plan together.
Data commonly gathered:
- Most recent tax return
- Paystubs
- Estate Planning Documents
- Mortgage Statements
- Real Estate Holdings
- Any other liabilities
- Insurance Policies
- Investment Accounts
- Retirement Accounts
- Pension Estimates
Visualize your goals
Success means different things to different people. We incorporate your personal version of success into our financial planning process and guide you through the actions needed to achieve your goals.
We always start building our financial plans with your end goals in mind. This is your opportunity to imagine your what your personal version of success looks like as we plan for your future.
Commonly planned for goals:
- Retirement Age
- Improving work/life balance
- Purchasing vacation property
- Starting or continuing to travel more
- College funding for kids and grandkids
- Reducing debt and financial obligations
- Maximizing your charitable giving
- Legacy planning for future generations
Make a plan
Your financial plan is the intersection of your financial data and personal goals. Our financial planning team will walk you through the various complexities of your current projection.
Building your financial plan begins with where you stand today. Our team of financial planners will build out a model of your current scenario and show you the trajectory of your financial plan. We will also begin identifying potential risks and gaps to address as we walk through our financial planning process.
Common areas of discussion:
- Fully funded emergency fund
- Net worth calculation
- Debt Analysis
- Adequate insurance coverage
- Estate planning documents in place
- Social Security Optimization
- Monthly Cash Flow
- Retirement Savings
Optimize the plan
With your plan in place, it is time to optimize. Our process addresses your specific needs and provides recommendations to best attain your personal success.
With your base scenario in place and potential planning opportunities identified, our team recommends an action plan to optimize for your specific set of circumstances. We will run “What If” analysis, to show you the impact of our recommendations and once you have seen all the options you are able to make a confident and informed decision on how to best implement the recommendations.
Common areas of optimization:
- Maximizing interest on cash
- Utilizing debt efficiently
- Life insurance needs analysis
- Properly listed account beneficiaries
- Roth IRA conversions
- Tax efficient investment savings
- Pension vs. lump sum analysis
- 529 plan implementation
Systematically review and adjust
Life is fluid, and your financial plan needs to be too. We partner with you for the long run and help you adjust as life changes.
Our financial planning software allows us to adjust the plan as your life changes. Partnering with Quantum for the long run consists of semi-annual or annually scheduled meetings, along with being on call when inevitably life changes.
Common adjustments to your financial plan:
- Changes in income and expenses
- Primary home relocation
- Changes in state and federal tax code
- Updates to legacy planning
- Change in hobbies and passions
- Need for certain insurances
- Business purchases & sales
- Property purchases and sales
