Tax planning involves reviewing your tax situation to identify opportunities to minimize lifetime tax liability. This process is distinct from tax preparation, usually handled by your CPA, which focuses on ensuring compliance with annual tax obligations as determined by the government. Tax planning, on the other hand, aims to strategically optimize your tax position through proactive strategies and adjustments.

Taxes impact your financial situation profoundly. Your tax return is like a financial fingerprint—completely unique to you, packed with valuable insights hidden within dozens of pages and hundreds of numbers. At QFS, we leverage cutting-edge artificial intelligence to analyze your tax data and uncover actionable tax planning opportunities.

Tax-loss harvesting involves selling securities at a loss to offset capital gains taxes from profitable asset sales. This strategy helps reduce taxes while preserving and compounding the value of the investor’s portfolio.

A separately managed account (SMA) is a personalized investment portfolio managed directly within your brokerage account. Unlike ETFs or mutual funds, SMAs provide direct ownership of assets without commingling with other investors. This offers extensive customization down to the individual stock level and complete transparency, enabling QFS to tailor solutions that meet each client’s specific needs and portfolio goals within their account.

Investing in real estate provides significant tax advantages through strategies such as depreciation, cash-out refinances, and 1031 exchanges. Depreciation allows investors to deduct the property’s cost over time, shielding rental income from taxes. Cash-out refinances enable access to gains without triggering immediate taxes, while 1031 exchanges defer capital gains taxes by reinvesting sale proceeds into another property.

Being a fiduciary means advisors are legally obligated to prioritize their clients’ best interests above their own. They must disclose any conflicts of interest and clearly explain their compensation structure.

Yes, we provide a complimentary consultation to understand your financial situation, discuss goals, and determine how our services can support your needs.

I collaborate closely with partners who bring decades of prestigious asset management experience. With a Master’s in Applied Quantitative Finance and CFA and CFP® designations, I act as a bridge, leveraging strong relationships and a solid understanding to determine the appropriate allocation for each client’s needs.

Our assets are held at a third-party custodian, Charles Schwab, ensuring security and independence of your investments.

No, QFS is a fee-only, employee-owned advisory firm. We are paid directly by our clients, ensuring transparency, objectivity, and a commitment to act as fiduciaries in our clients’ best interests.

At QFS, we primarily serve families with $5 million in investable assets to align with our partners’ investment criteria, which often require a net worth of $5 million dollars. However, we’re also open to exceptions for clients who may not meet this threshold but align well with our values and objectives. 

At QFS, we believe in providing transparent and competitive pricing to ensure you get the most value from our services. Our standard fee structure is based on a tiered assets under management (AUM) model:

•0.95% on the first $5 million

•0.85% on the next $5 million

•0.75% on amounts over $10 million