Estate Planning

Welcome to our QFP Roadmap

A Fiduciary, Goals-Based Approach to Wealth Management

At Quality Financial Planning, we provide investment and wealth management services as independent fiduciaries. Our approach integrates tactical asset allocation, fundamental research, and technical analysis, supported by quantitative methodologies, to help clients pursue their long-term financial objectives in a disciplined and risk-aware manner.
We offer personalized investment management based on each client’s goals, time horizon, and tolerance for risk. Portfolios are constructed using a diversified, goals-based framework and are monitored on an ongoing basis. All recommendations are made in accordance with our fiduciary duty to act in our clients’ best interests and without obligation to proprietary products.

Addressing Risk During Key Retirement Years

Although markets have historically provided growth opportunities over long periods, investment returns are not guaranteed, and market volatility may have a greater impact during the years leading up to retirement. The period leading up to and immediately following retirement—often referred to as the “Fragile Decade”—can be especially sensitive to sequence-of-returns risk.
Our planning process seeks to address these risks by integrating portfolio diversification, risk management considerations, and ongoing portfolio review. This approach is designed to help clients better align their investment strategy with their income needs and long-term objectives as they transition into retirement.

Turning Accumulated Wealth Into Reliable Retirement Income

The transition from earned income to retirement income requires careful coordination of assets and income sources. We work with clients to evaluate how essential expenses may be supported by available resources, which may include:

Contractual or guaranteed income

Required portfolio distributions

Social Security and other benefits

Our retirement income planning is intended to provide clarity and structure, helping clients understand trade-offs, sustainability considerations, and potential adjustments over time.

Integrated Tax-Aware Planning

Financial decisions often have tax implications. We take a tax-aware planning approach by considering tax efficiency as part of the broader financial planning process. While we do not provide tax advice, we coordinate with clients’ tax professionals to help ensure investment, retirement, and distribution strategies are implemented in a manner consistent with their overall tax situation.

Coordinated Estate and Legacy Planning

Estate planning is most effective when coordinated with a client’s broader financial plan. We collaborate with attorneys and other professional advisors, as appropriate, to help ensure that estate strategies align with stated goals and intentions.

While we do not draft legal documents, our role is to help clients understand how asset structure, beneficiary designations, and planning strategies may interact with their overall wealth management objectives. We collaborate closely with your attorneys, CPAs, and other professional advisors to help structure your estate in a manner designed to:

Preserve wealth

Minimize unnecessary taxes and costs

Ensure your assets are distributed according to your intentions

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