Strategic Partnerships
About
Quantum Financial Strategies
Quantum Financial Strategies is unique in that we’re a financial education company powered by an obsession to teach people how they can make better-informed decisions throughout life’s financial journey. With over 30 years of industry perspective in their rear-view mirror, we empower people of all ages and socioeconomic backgrounds with financial clarity. Americans don’t have the ability to spend a hypothetical rate of return, yet that’s exactly what they are told to focus on when investing their hard-earned dollars. We teach our clients how to rewire their focus on what does matter. Distribution planning, the mitigation of tax risk, recapturing often unknown opportunity & financing costs, and making every dollar that passes into your balance sheet work as hard as you do. The secret to wealth creation doesn’t come in the form of one isolated financial decision or by switching from one asset manager to another. It comes as the result of someone learning how to stack up many small and well-informed decisions, over many years. Is it easy? No, it’s not… Rebuilding paradigms is hard work. But is it worth is? You bet it is!
Consider this your personal invitation. An opportunity to get back in the driver’s seat of your financial trajectory.
Come Learn With Us!
Services / Strategies
Insurance & Investment Consulting
QFS Insurance and investment consulting services is designed to help individuals and businesses make informed decisions about protecting their assets and growing their wealth. As a QFS Client, you will have consultative access to knowledge for the types of insurance policies that may be suitable for your needs, and how to properly structure them within your estate. We will also provide a comprehensive review of any existing insurance that you may own since many people lack this important level of understanding. You will learn how it is possible to structure certain insurances to maximize the potential of other investments such as stocks, bonds, mutual funds, exchange-traded funds, real estate, or private lending arrangements. You will also learn how to understand and minimize the enigma of all types of debt including credit cards, student loans, personal loans, automobile financing, and even a mortgage. QFS insurance and investment consulting is designed to teach our clients how to navigate the complex world of financial planning and make informed decisions that can help you achieve your long-term goals with informed clarity and perspective.
Long Term Care Planning
We understand that long term care planning is an important aspect of overall financial planning, and we are dedicated to helping our clients prepare for the potential need for long term care services in the future. There are several reasons why long term care planning is important: 1. The cost of long term care can be significant: Long term care services, such as assisted living, nursing home care, or in home care services can be expensive, and the cost is only expected to increase in the future. Without proper planning, the cost of long term care could consume a significant portion of an individual's savings and assets as it presents a new and significant outflow of money to a financial plan. 2. Long term care planning can give individuals more control: By planning for the possibility of needing long term care in advance, individuals can have more control over the type of care they receive and where they receive it. This can be especially important for those who value their independence and want to maintain as much control over their daily lives as possible. Planning for long term care needs does not need to be a stand-alone item. It’s an essential part of financial planning overall. When implemented properly, it can help protect an individual's financial well-being and protect their dignity with enhanced control over their future. At QFS, we are committed to helping our clients navigate the process of long term care planning so they can make educated decisions that empower their goals and needs.
Debt Management Efficiencies
At QFS, we understand that debt is a common and often necessary part of life, but it is important for individuals to understand the different forms of debt and the impact it can have on their financial well-being. One of the key ways that debt can impact an individual is through the compounding of interest. When an individual takes on debt, they typically have to pay interest on top of the principal amount borrowed. This interest can add up over time, especially if the debt is not paid off in a timely manner. This is known as compounding interest, and it can significantly increase the total cost of the debt. For example, if an individual has a credit card with a balance of $1,000 and an annual interest rate of 20%, the interest on that debt would be $200 per year. If the individual only makes the minimum payment each month and does not pay off the balance, the interest will continue to accrue, and the total amount owed will increase. Understanding the concept of compounding interest is important because it can help individuals make more informed decisions about their debt and how to manage it. At QFS, we offer a range of services to help our clients understand their debt and make a plan to pay it off in a way that expands their pre-existing belief system and that enhances the achievement of financial goals.
Business Owners
At QFS, we are dedicated to helping small business owners maximize the profitability of their businesses and enjoy the work they do. We understand that running a small business can be challenging, and we are committed to providing the support and guidance that small business owners need to succeed. Here are some of the ways that we help small business owners achieve their goals: 1. Financial planning and management: We offer a range of financial planning and management services to help small business owners better understand their financial situation and make informed decisions about how to allocate their resources. This includes assistance with budgeting, cash flow management, and forecasting. 2. Marketing and sales support: We can help small business owners develop and implement effective marketing and sales strategies to attract and retain customers. This may include assistance with market research, branding, and the development of promotional materials. 3. Operational support: We can provide guidance and assistance with a range of operational matters, such as process improvement, supply chain management, and HR. 4. Strategic planning: We can work with small business owners to develop a long-term vision for their business and create a plan to achieve their goals. This may include assistance with goal setting, market analysis, and the development of a roadmap for growth. Our goal is to help small business owners maximize the profitability and enjoyment of their businesses by providing the support and guidance they need to succeed.
Retirement Savings and Distribution
We understand that planning for retirement is about much more than just accumulating wealth. It is also about developing a distribution strategy that will allow our clients to enjoy a predictable outcome in retirement. We believe that the financial services industry often portrays retirement planning as a simple accumulation game, but in reality, there are many factors that can impact the net distribution potential of a retirement asset. These include asset fees, tax liability risk, inflation, market volatility, and sequence of return risk on commonly promoted retirement vehicles such as 401(k)s, 403(b)s, and IRAs. That's why we take a holistic approach to retirement planning, considering all of these factors and helping our clients develop a customized strategy that addresses their specific needs and goals. We develop customized budgets while evaluating different retirement income planning options that result in a deepened understanding about the enemies of wealth and their impact on retirement assets. We work with our clients to develop a distribution strategy that not only helps them achieve their goals with minimized risk in retirement, but that also enhances the power of their assets throughout the years that lead to it. In addition to these services, we also offer assistance with saving and investing for retirement, developing a retirement budget, and evaluating different retirement income options. We can also help clients with estate planning and other matters related to retirement planning. Overall, our goal is to help our clients feel confident and secure in their retirement, knowing that they have a plan in place that will allow them to enjoy the retirement they have worked hard to achieve.
The QUANTUM ADVANTAGE Fee Based Consulting Services
QFS offers a fee-based subscription service called Quantum Advantage that provides enhanced consultation to our clients on their ongoing cash flow and debt management decisions. We understand that the enigma of true wealth creation is not typically as easy as making one single decision that sets someone on the path to financial success. Instead, it is the result of making a series of informed decisions over time. The Quantum Advantage platform is designed to provide clients with the game-winning advantage of making the best possible decisions at every financial crossroad they approach in life. We do this by offering a range of services that are designed to help clients understand their financial situation and make informed decisions that align with their goals and needs. Some of the services that we offer as part of our fee-based subscription include: 1. Financial planning and budgeting assistance: We can help clients develop a financial plan and budget that aligns with their goals and needs, and we can provide ongoing support to help them stay on track. 2. Debt management guidance: We can assist clients with understanding their debt and developing a plan to pay it off in a way that is sustainable and aligns with their financial goals. 3. Investment advice: We can provide guidance on investment choices that align with clients' risk tolerance and financial goals, and we can help clients understand the risks and rewards of different investment options. Overall, our goal is to help clients make informed decisions that help them achieve their financial goals and build wealth over time. By providing ongoing support and consultation, we aim to give clients the game-winning advantage they need to succeed financially by having access to The Quantum Advantage.
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Founders
Jaie Locke
CoFounder
Jaie has over 25 Years in the financial services industry with many spent as a regional consultant to Financial Advisors in the most well known firms in the industry. With expertise in Mutual Funds, Life Insurance, Long-Term Care, Annuities, and Cryptocurrencies, Jaie’s career has equipped him with an impressive skillset and perspective related to financial planning. His reputation as an innovative...
Brad Picha
CoFounder
Since 2014, Brad Picha has dedicated his career to studying financial practices of the wealthy, then adapting those techniques to maximize his Clients’ portfolios. With expertise in Financial Modeling, Insurance, Investments, and Legacy Planning, Brad provides guidance in all facets of financial planning and finds particular satisfaction when working within markets that are underserved. As Co-Founder and Financial...
Insurance & Investment Consulting
When you start learning all that Quantum Financial Strategies must teach you about the lesser-known uses of insurance and investment products, and how they are able to complement one another, you’ll experience a shift in your paradigm that turns life insurance into love insurance. Protecting family from the financial risk of premature death is just the tip of the iceberg. It’s what lies beneath that holds the real power.
Long Term Care Planning
We recognize the risk of Long Term Care as being one of great significance in terms of its capability to impact retirement. It’s not just about the money related to Long Term Care expense that matters, it’s the preservation of dignity that comes with someone having a plan in place that means a world of difference. When you create the plan, you get to control the rules and there are far more tools available than most people realize.
Click here to learn more about Long Term Care expense and impact.
Risk Management
With interest rates on the rise, and consumer debt levels at all time highs, this is an area of education that really sets Quantum Financial apart from the rest. We love to teach our clients how interest rates work, how to understand the difference between efficient and inefficient debt and how they can mitigate the velocity of interest expense within a balance sheet. Let’s face it… Saving is a whole lot easier without debt!
Business Owners
As business owners ourselves, we know first-hand that it can sometimes be difficult to work “ON” your business when you’re busy working “IN” your business. Issues, whether known or not yet known, go unaddressed and over time, they can become a growing problem within a small businesses. Our approach is to help business owners with a process of recognizing these problems so they can address them in advance – with profitable efficiencies being created as the result. We become an advocate for your business; one who is focused solely ON your business, so you can focus on the passion of running your business. As we often say, “Strategic planning in advance will always triumph over playing whack-a-mole with small business problems as they pop up.”
Retirement Savings and Distribution
When it comes to retirement, what does it mean to you?” This is the first question that we ask those who want to learn how to save for retirement. The trick to retirement planning is that it’s not a SAVING game; it’s a SPENDING game! We are told to focus our attention and efforts on accumulation so we can build a nest egg for the future but in reality, distributions are actually what matter most. When you are able to create passive income that meets the amount of your fixed expenses, you become financially free.
Fee Based Cash Flow Management
Financial Planning consists of more than singular choices that are made in a vacuum. It involves ongoing guidance and proactive strategic planning designed to create efficiency and positive impact for the long-term. At QFS, we like to dig in deep with our clients which consists of frequent plan measurement and a process of analyzing plan parameters and resetting trajectories when necessary.
Services / Products
Services / Products
Insurance & Investment Consulting
QFS Insurance and investment consulting services is designed to help individuals and businesses make informed decisions about protecting their assets and growing their wealth. As a QFS Client, you will have consultative access to knowledge for the types of insurance policies that may be suitable for your needs, and how to properly structure them within your estate. We will also provide a comprehensive review of any existing insurance that you may own since many people lack this important level of understanding. You will learn how it is possible to structure certain insurances to maximize the potential of other investments such as stocks, bonds, mutual funds, exchange-traded funds, real estate, or private lending arrangements. You will also learn how to understand and minimize the enigma of all types of debt including credit cards, student loans, personal loans, automobile financing, and even a mortgage. QFS insurance and investment consulting is designed to teach our clients how to navigate the complex world of financial planning and make informed decisions that can help you achieve your long-term goals with informed clarity and perspective.
Long Term Care Planning
We understand that long term care planning is an important aspect of overall financial planning, and we are dedicated to helping our clients prepare for the potential need for long term care services in the future. There are several reasons why long term care planning is important: 1.The cost of long term care can be significant: Long term care services, such as assisted living, nursing home care, or in home care services can be expensive, and the cost is only expected to increase in the future. Without proper planning, the cost of long term care could consume a significant portion of an individual's savings and assets as it presents a new and significant outflow of money to a financial plan. 2.Long term care planning can give individuals more control: By planning for the possibility of needing long term care in advance, individuals can have more control over the type of care they receive and where they receive it. This can be especially important for those who value their independence and want to maintain as much control over their daily lives as possible. Planning for long term care needs does not need to be a stand-alone item. It’s an essential part of financial planning overall. When implemented properly, it can help protect an individual's financial well-being and protect their dignity with enhanced control over their future. At QFS, we are committed to helping our clients navigate the process of long term care planning so they can make educated decisions that empower their goals and needs.
Debt Management Efficiencies
At QFS, we understand that debt is a common and often necessary part of life, but it is important for individuals to understand the different forms of debt and the impact it can have on their financial well-being. One of the key ways that debt can impact an individual is through the compounding of interest. When an individual takes on debt, they typically have to pay interest on top of the principal amount borrowed. This interest can add up over time, especially if the debt is not paid off in a timely manner. This is known as compounding interest, and it can significantly increase the total cost of the debt. For example, if an individual has a credit card with a balance of $1,000 and an annual interest rate of 20%, the interest on that debt would be $200 per year. If the individual only makes the minimum payment each month and does not pay off the balance, the interest will continue to accrue, and the total amount owed will increase. Understanding the concept of compounding interest is important because it can help individuals make more informed decisions about their debt and how to manage it. At QFS, we offer a range of services to help our clients understand their debt and make a plan to pay it off in a way that expands their pre-existing belief system and that enhances the achievement of financial goals.
Business Owners
At QFS, we are dedicated to helping small business owners maximize the profitability of their businesses and enjoy the work they do. We understand that running a small business can be challenging, and we are committed to providing the support and guidance that small business owners need to succeed. Here are some of the ways that we help small business owners achieve their goals: 1.Financial planning and management: We offer a range of financial planning and management services to help small business owners better understand their financial situation and make informed decisions about how to allocate their resources. This includes assistance with budgeting, cash flow management, and forecasting. 2.Marketing and sales support: We can help small business owners develop and implement effective marketing and sales strategies to attract and retain customers. This may include assistance with market research, branding, and the development of promotional materials. 3.Operational support: We can provide guidance and assistance with a range of operational matters, such as process improvement, supply chain management, and HR. 4.Strategic planning: We can work with small business owners to develop a long-term vision for their business and create a plan to achieve their goals. This may include assistance with goal setting, market analysis, and the development of a roadmap for growth. Our goal is to help small business owners maximize the profitability and enjoyment of their businesses by providing the support and guidance they need to succeed.
Retirement Savings and Distribution
We understand that planning for retirement is about much more than just accumulating wealth. It is also about developing a distribution strategy that will allow our clients to enjoy a predictable outcome in retirement. We believe that the financial services industry often portrays retirement planning as a simple accumulation game, but in reality, there are many factors that can impact the net distribution potential of a retirement asset. These include asset fees, tax liability risk, inflation, market volatility, and sequence of return risk on commonly promoted retirement vehicles such as 401(k)s, 403(b)s, and IRAs. That's why we take a holistic approach to retirement planning, considering all of these factors and helping our clients develop a customized strategy that addresses their specific needs and goals. We develop customized budgets while evaluating different retirement income planning options that result in a deepened understanding about the enemies of wealth and their impact on retirement assets. We work with our clients to develop a distribution strategy that not only helps them achieve their goals with minimized risk in retirement, but that also enhances the power of their assets throughout the years that lead to it. In addition to these services, we also offer assistance with saving and investing for retirement, developing a retirement budget, and evaluating different retirement income options. We can also help clients with estate planning and other matters related to retirement planning. Overall, our goal is to help our clients feel confident and secure in their retirement, knowing that they have a plan in place that will allow them to enjoy the retirement they have worked hard to achieve.
Fee Based Cash Flow Management
QFS offers a fee-based subscription service called Quantum Advantage that provides enhanced consultation to our clients on their ongoing cash flow and debt management decisions. We understand that the enigma of true wealth creation is not typically as easy as making one single decision that sets someone on the path to financial success. Instead, it is the result of making a series of informed decisions over time. The Quantum Advantage platform is designed to provide clients with the game-winning advantage of making the best possible decisions at every financial crossroad they approach in life. We do this by offering a range of services that are designed to help clients understand their financial situation and make informed decisions that align with their goals and needs. Some of the services that we offer as part of our fee-based subscription include: 1.Financial planning and budgeting assistance: We can help clients develop a financial plan and budget that aligns with their goals and needs, and we can provide ongoing support to help them stay on track. 2.Debt management guidance: We can assist clients with understanding their debt and developing a plan to pay it off in a way that is sustainable and aligns with their financial goals. 3.Investment advice: We can provide guidance on investment choices that align with clients' risk tolerance and financial goals, and we can help clients understand the risks and rewards of different investment options. Overall, our goal is to help clients make informed decisions that help them achieve their financial goals and build wealth over time. By providing ongoing support and consultation, we aim to give clients the game-winning advantage they need to succeed financially by having access to The Quantum Advantage.
So what makes QFS different?
