Quantum Financial Planning Services

Name

Quantum Financial Planning Services

Legal name

Quantum Financial Planning, Inc.

Website

https://quantumplanning.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Spokane

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Financial Planning - Flat Fee: One-time flat fee for financial planning services. This covers the initial financial planning process including organizing financial data, creating a comprehensive plan, and providing recommendations.
2. Assets Under Management (AUM): Ongoing fee as a percentage of assets under management for portfolios managed on behalf of clients. The firm does NOT accept any investment commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Quantum Financial Planning Services is a fee-only Registered Investment Advisor that delivers comprehensive retirement and financial planning for pre-retirees and retirees. The firm offers retirement planning, investment management, tax planning, Social Security strategy, healthcare/Medicare planning, estate planning coordination, and Roth conversion analysis, all delivered through a proprietary three-meeting "Quantum Process" by CFP® fiduciaries who do not accept investment commissions.

Product overview

Quantum Financial Planning Services is a fee-only Registered Investment Advisor offering a unified financial planning service built around its proprietary three-meeting Quantum Process (Get Organized, Make a Plan, Optimize the Plan). The core offering centers on retirement planning, investment management, tax planning, Social Security strategy, healthcare/Medicare planning, estate planning coordination, and Roth conversion analysis. The company operates with a specialty niche in financial planning for top-producing real estate agents ($250K+ GCI). Clients access services through integrated portals including RightCapital (financial planning portal) and BDReporting (investment portfolio), with Charles Schwab account access. The company provides educational resources via an annual Tax Guide and blog. All planning is delivered through CFP® professionals operating under a fiduciary duty, with no investment commissions charged.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Planning Services Comprehensive retirement planning including tax-smart withdrawal strategies, retirement date optimization, and longevity planning to ensure client savings last throughout retirement, designed for individuals in their 50s-70s preparing for or in retirement.
• Investment Management Portfolio management with systematic rebalancing, long-term investment perspective, and low-cost implementation focused on asset allocation over security selection, custodied at Charles Schwab.
• Tax Planning Proactive tax planning including Roth conversions, tax-efficient withdrawal sequencing, RMD planning, and strategies to lower taxes on retirement income, windfalls, and real estate sales.
• The Quantum Process A three-meeting financial planning methodology comprising Step 1 (Get Organized), Step 2 (Make a Plan), and Step 3 (Optimize the Plan) used to build and maintain comprehensive custom financial plans for clients.
• Social Security Strategy Planning Analysis and optimization of Social Security claiming decisions including timing strategies based on health, spousal benefits, and income sources for individuals approaching retirement.
• Healthcare and Medicare Planning Guidance on Medicare enrollment windows, coverage options, healthcare cost planning, and HSA strategies in retirement for pre-retirees and retirees.
• Estate Planning Coordination
• Roth Conversion Analysis Analysis of pre-tax to Roth IRA conversions to optimize tax brackets and reduce future tax burden for clients and heirs.
• Financial Planning for Real Estate Professionals Specialized financial planning for top-producing real estate agents earning $250K+ GCI, addressing commission income management, investment real estate modeling, and tax strategies specific to real estate professionals.

Quantifiable outcome

• 99% client retention rate
• +2 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Two partnerships are on record, tiered core.

• Charles SchwabcoreTechnology or IntegrationCharles Schwab is used as the custody platform for client investment accounts. Clients access their accounts through Schwab's online portal. This is a standard arrangement for registered investment advisors using an independent custodian.
• RightCapitalcoreTechnology or IntegrationRightCapital is used as the financial planning portal for clients, providing visualization of financial plans, scenario modeling, and ongoing plan monitoring. Clients access their financial planning tools through this platform.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Carson Wealth: Carson Wealth is a fee-based RIA with a strong retirement and wealth planning focus serving clients nationwide. Comparable to Quantum because both target affluent retirees with comprehensive planning, fiduciary advisors, and virtual delivery models.
• Creative Planning: Creative Planning is a large fee-only RIA providing holistic financial planning and investment management to high-net-worth individuals. Comparable to Quantum through its fee-only fiduciary model, comprehensive retirement and tax planning emphasis, and nationwide service.
• Buckingham Strategic Wealth: Buckingham is a fee-only RIA specializing in evidence-based financial planning and tax-aware investing for affluent households. Comparable to Quantum via fee-only fiduciary positioning, retirement-focused planning, and use of third-party planning/custody infrastructure.
• Halbert Hargrove: Halbert Hargrove is a long-tenured, fee-only RIA focused on retirement and legacy planning for HNW households. Comparable to Quantum given similar size, multi-decade track record, fiduciary fee-only model, and retirement-income specialization for clientele with $750K+ in investable assets.

Emerging players

• Facet Wealth: Facet is a digital-first, fee-only financial planning firm built for virtual delivery to mass-affluent and HNW clients. Comparable to Quantum because both offer flat-fee and AUM-based comprehensive planning with fiduciary CFP® advisors, though Facet scales through a tech-enabled remote advisor model.
• Boldin (formerly NewRetirement): Boldin provides DIY retirement planning software with optional advisor access. Comparable to Quantum because it serves the same retirement-readiness and withdrawal-strategy use cases that Quantum addresses through its RightCapital-powered planning process.

Broad incumbents

• Edelman Financial Engines: Edelman Financial Engines is one of the largest U.S. RIAs with deep retirement planning and workplace-plan roots. Comparable to Quantum through its retirement-income, tax-planning, and fiduciary fee-based approach serving pre-retirees and retirees nationwide.
• Mariner Wealth Advisors: Mariner is a national RIA platform offering comprehensive financial planning, tax, and estate services to HNW clients. Comparable to Quantum as a fiduciary, fee-based advisor delivering holistic retirement and wealth planning through a multi-advisor team model.
• Focus Financial Partners: Focus Financial is an RIA aggregator partnering with fiduciary wealth management firms. Comparable to Quantum as an acquirer/partner for small fee-only RIAs; relevant given Quantum's small team scale and the broader RIA consolidation wave.
• Charles Schwab Wealth Advisory: Schwab Wealth Advisory is the in-house advisory arm of Quantum's custody partner, serving mass-affluent and HNW clients with a fee-based, planner-led model. Comparable to Quantum as a fee-based advisory competing for the same retiree segment, with overlap through the Schwab platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@QuantumFinancialPlanning
• Facebookfacebook.com/QuantumFinancialPlanningSpokane
• LinkedInlinkedin.com/company/quantum-financial
• Pinterestpinterest.com/quantumfinancialplanning
• Xx.com/QuantumPlanning

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Quantum Financial Planning Services