QFC believes clients are best served when we have a thorough understanding of their goals, objectives and total financial situation, which allows us to properly manage the implemented solutions. While many firms provide canned products to thousands, QFC prefers to serve the overall needs of a select group of clients, creating relationships that last and results that benefit our clients and their families for generations to come.

Even though we spend a great deal of time getting to know each of our clients, we know that you are still the foremost expert on your own needs, dreams, and even your fears.  With the knowledge of what we do and how we work, you can bring to our attention more quickly your concerns, rather than waiting for us to undercover issues through questionnaires, interviews, or other methods.  

 We are a full-service, independent financial planning and registered investment advisory firm providing our clients with insurance, investments, estate planning, tax planning as well as tax preparation. These services allow us to provide many solutions in all aspects of your life. Please see our page on real life solutions.

Below, a description of our practice is segmented into the four primary areas of service. For each, the types of product solutions available are listed and an explanation is provided for how we are compensated. 

Insurance

Product Solutions:  We offer a wide variety of insurance products including life (term, whole, universal, and variable), health (individual plans, health savings accounts, temporary coverage, and group plans), long-term care (individual coverage, joint coverage, reimbursement plans, life insurance base plans and group plans), and long-term disability (individual coverage and group plans). As an independent agent, we provide access to most of the major insurance companies including Genworth, John Hancock, AIG, Pacific Life, Phoenix, Transamerica, Allianz, ING, Metlife, Equitable, Blue Cross Blue Shield, Caritan, United Health Care, Mutual of Omaha, and many others. Each insurance company establishes their own compensation structure, and pays us once a policy is placed. We do not charge separately for these products and will service your plan as long as it is in force.  We are licensed in many states to provide insurance solutions. Click here to request an illustration.

Analysis:  For an hourly or fixed fee, we will evaluate and provide a formal report on the types of coverage you have, the costs, companies providing the coverage, and your risk exposure or areas where you may be lacking coverage.  If a change in your coverage is necessary and you elect to use our firm for the required solutions, we may discount our fee since a commission will also be earned.

Investments

Product Solutions:  A variety of securities are available: stocks, bonds, certificates of deposit, mutual funds, variable annuities, real estate investment trusts, options, private money managers, as well as other options. These products are offered through two platforms. 

The traditional commission platform is available to all clients of QFC. Under this platform, a commission is paid when stocks or bonds are bought and sold, and when new money is invested in mutual funds or variable annuities.¹  This program is best for small accounts or investors who prefer to buy and hold investments for long periods of time. 

The fee based platform is available to those clients whose assets exceed the minimum value and believe active management provides optimal returns. In this program, QFC or other professional advisors manage the client’s assets making all purchase and sell decisions. The fee paid to QFC is based upon the average value of the assets managed and not related to any one transaction. In this program no commissions are paid to QFC, but small transaction fees may be charged by the brokerage firm holding the assets when individual securities are traded. For additional information, please review QFC’s form ADV Part II.

Analysis:  For an hourly or fixed fee, we can evaluate your investments held elsewhere and determine if current allocation and amount will meet your objectives.  We can perform special projects such as a retirement plan, college funding determination, financial plan, or assist those facing divorce with the division of assets or any other specific goal.

Estate Planning

Analysis:  We will use our expertise in tax, insurance, investments, and estate planning to analyze your existing estate plan or to assist you in designing one to meet your objectives and minimize the tax impact.  Our fees for this service are generally on an hourly basis, since no two clients' needs are alike. If desired, we can be part of a team of professionals, or we can refer you to an attorney who will insure that all aspects of the plan are fully reviewed and documented. We are not attorneys and will not provide legal advice or document preparation.

Tax Planning & Preparation

Planning:  Few decisions can be made without having an impact on taxes, whether the tax is income, sales, excise, or estate.  We can prepare an estimate of your annual income tax when significant changes occur or project the inheritance taxes that may shrink the estate available to your heirs.

Preparation:  QFC also prepares income tax returns for clients.