Quantis Wealth Management

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Quantis Wealth Management Independent financial services, wealth management, and tax planning and consulting firm. Quantis Wealth Management, 7900 Westpark Dr, Suite T260, McLean, VA.

Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser. This communication is strictly intended for individuals residing in the United States. Please review our Terms of Use here: http://www.commonwealth.com/termsofuse.html. (703) 462-9618

We’re pleased to introduce Tye Wangberg, an estate planning attorney who works alongside our team as a resource for Quan...
10/15/2026

We’re pleased to introduce Tye Wangberg, an estate planning attorney who works alongside our team as a resource for Quantis clients. Through our strategic partnership, Tye can provide our wealth management and tax service clients with the guidance they need to determine what level of estate planning is best for their circumstances.

Tye brings a background in estate planning, tax, and law, with an LL.M. in Taxation, J.D., and Master of Professional Accountancy. His experience adds an important perspective as we help clients think through how their estate plans fit alongside their broader financial and tax strategies.

For our team, this relationship is another way to make estate planning more coordinated. One of our goals has been to make Quantis a more complete resource for the financial matters our clients need help managing.

We’re glad to have Tye as a resource for our clients and look forward to continuing to work alongside him.

Learn more about Tye and his background: https://quantiswm.com/our-team/tye-wangberg/

Neither Commonwealth Financial Network® nor Quantis Wealth Management provide legal or tax advice. Tye Wangberg is not affiliated with Commonwealth Financial Network or Quantis Wealth Management.

We're pleased to announce the expansion of our estate planning services. In our latest article, we share more about thes...
10/08/2026

We're pleased to announce the expansion of our estate planning services. In our latest article, we share more about these services and how they fit into our approach to integrated wealth management.

Read more:

Approaching retirement often raises the question of whether your investment portfolio should become more conservative. M...
09/29/2026

Approaching retirement often raises the question of whether your investment portfolio should become more conservative. Many clients wonder whether age is the primary factor, but it’s only one of several considerations we look at.

Our team reviews how much you expect to withdraw from your portfolio, other sources of retirement income, your time horizon, liquidity needs, tax considerations, and the amount of market fluctuation you are comfortable with.

The purpose of an investment strategy is to determine an appropriate level of risk based on what your portfolio needs to accomplish. Understanding what you want your retirement to look like helps us determine what your portfolio needs to support.

Some people want to travel more. Others want to purchase a second home, support children or grandchildren, volunteer, or simply maintain their current lifestyle. Those priorities also help shape your plan and determine how conservative your portfolio should be.

For 21 years, Melinda has been the first line of contact for our clients and our team.There’s something special about ha...
09/22/2026

For 21 years, Melinda has been the first line of contact for our clients and our team.

There’s something special about having people on your team who have been part of the firm for this long. Melinda has gotten to know so many of our clients and their families, been there through countless milestones, and become someone we can all depend on.

Melinda, thank you for everything you’ve done for our clients and for us over the past 21 years. We’re lucky to have you.

The years after you retire but before you must begin taking your required minimum distributions can create a unique tax ...
09/15/2026

The years after you retire but before you must begin taking your required minimum distributions can create a unique tax planning opportunity, particularly if your taxable income is lower during this time period.

When you retire, your taxable income may drop significantly. If much of your retirement savings is held in a traditional IRA or 401(k), those lower-income years may provide an opportunity to convert a portion of those assets to a Roth IRA at a lower tax rate than you may face later. The key is to determine how much to convert each year.

A larger conversion is not necessarily better. We look at how much income can be recognized while staying within a targeted tax bracket, along with the potential impact on Medicare premiums, Social Security, capital gains, and other sources of income.

For some retirees, paying a little more in taxes during these lower-income years can mean having less taxable income later, when RMDs begin. The goal is to manage your taxes strategically over the course of your retirement, not just to minimize them in any one year.

A donor-advised fund (DAF) can help you set aside assets for charity now while deciding which organizations to support o...
09/09/2026

A donor-advised fund (DAF) can help you set aside assets for charity now while deciding which organizations to support over time. By using a DAF, you may be able to support your charitable goals while creating potential tax advantages.

For example, suppose you have shares purchased for $20,000 that are now worth $50,000. Rather than selling them and generally realizing a $30,000 capital gain, you may be able to contribute the shares directly to a donor-advised fund, avoid tax on the gain, and qualify for a charitable deduction based on their current value.

This strategy may be worth considering during a higher-income year, following the sale of a business, or when giving appreciated investments. The tax treatment depends on the assets contributed and your individual circumstances.

Generally, a donor-advised fund is a separately identified fund or account maintained and operated by a Section 501(c)(3) sponsoring organization. Each account is composed of contributions made by individual donors. Once a contribution is made, the sponsoring organization has legal control over it; however, the donor or donor's representative retains advisory privileges regarding the distribution and investment of the assets. Donors take a tax deduction for contributions when they are made, even though the funds may be distributed to charities later.

Examples are hypothetical and are for illustrative purposes only. No specific investments were used in this example. Actual results will vary.

Tax services offered through Quantis Tax Services, LLC. You should consult a legal or tax professional regarding your individual situation.

If you want to help your children, grandchildren, or other family members during your lifetime, the annual gift tax excl...
09/01/2026

If you want to help your children, grandchildren, or other family members during your lifetime, the annual gift tax exclusion provides a straightforward way to do it.

In 2026, you may give up to $19,000 to each recipient without reducing the amount you can transfer free of federal gift and estate tax in the future. Married couples may give up to $38,000 per recipient when each spouse makes a qualifying gift.

For example, a couple with two children and four grandchildren could transfer as much as $228,000 in 2026 using their combined annual exclusions.

The amount is only one part of the decision. Consider:

• Who should receive the assets and whether they are prepared to manage them

• Whether to give cash, investments, or other property, and the potential tax consequences

• How much you can give without affecting your retirement or other long-term needs

Tuition paid directly to a qualifying educational institution, and eligible expenses paid directly to a medical provider may qualify for separate exclusions and generally do not count toward the $19,000 limit.

Annual gifting can reduce a taxable estate while supporting family members during your lifetime. The amount, asset, and recipient should still fit within your broader financial and estate plan.

Gifts using the 2026 exclusion generally must be completed by December 31. Investments and other property may take longer to transfer, so planning should begin well before year-end.

For executives with access to a nonqualified deferred compensation plan, an important tax-planning decision may need to ...
08/26/2026

For executives with access to a nonqualified deferred compensation plan, an important tax-planning decision may need to be made months before the income is earned.

These plans may allow an executive to defer a portion of salary, bonuses, or other eligible compensation. Federal income tax on the deferred amount is generally postponed until the compensation is paid, but the election usually must be made before the beginning of the year in which the services are performed.

The specific deadline depends on the employer’s plan. Certain performance-based compensation and newly eligible participants may also be subject to different election rules.

Before making an election, consider:

• How much current cash flow you will need
• Your expected income and tax rate when payments begin
• Whether distributions will be made in a lump sum or over several years
• How the payments may overlap with retirement income, equity compensation, or other taxable events
• Whether a future move could affect the state taxation of the payments
• The financial strength of the employer, since deferred compensation generally remains an unsecured obligation of the company

These considerations can help you evaluate how different elections may affect the rest of your financial plan. The amount deferred is only one part of the decision. The timing and form of future payments can affect taxes, cash flow, and other sources of income for years after you leave the company.

If you participate in an NQDC plan, review the plan’s election deadline and distribution options well before year-end. Your financial and tax professionals can help evaluate the election within your broader compensation and retirement plan.

Unused 529 funds may be able to give support beyond education.A child may receive a scholarship, attend a less expensive...
08/11/2026

Unused 529 funds may be able to give support beyond education.

A child may receive a scholarship, attend a less expensive school, or finish their education with money remaining in the account. In that situation, one option is to transfer a portion of the unused balance to a Roth IRA for the same beneficiary.

The rules include:

• The 529 account must have been open for at least 15 years.

• Up to $35,000 may be transferred over the beneficiary’s lifetime.

• The transfer must be made directly from the 529 plan to a Roth IRA owned by the beneficiary.

• Annual transfers are subject to the Roth IRA contribution limit. For 2026, that limit is $7,500 for someone under age 50.

• The beneficiary generally must have earned income at least equal to the amount transferred.

• Other traditional or Roth IRA contributions made for the beneficiary that year reduce the amount available for the transfer.

• Contributions made to the 529 during the preceding five years, and the earnings attributable to them, are not eligible.

Completing the full $35,000 rollover may require several years, and state tax treatment can differ from federal treatment. A financial or tax professional can help you evaluate how the available options apply to your circumstances.

A 529-to-Roth transfer is not the only option for unused funds. Depending on the family’s circumstances, it may also make sense to retain the account for future education, change the beneficiary, use it for another permitted expense, or take a distribution.

The right decision depends on the account history, the beneficiary’s income, and the family’s broader financial plan.
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The fees, expenses, and features of 529 plans can vary from state to state. 529 plans involve investment risk, including the possible loss of funds. There is no guarantee that an education-funding goal will be met. In order to be federally tax free, earnings must be used to pay for qualified education expenses. The earnings portion of a nonqualified withdrawal will be subject to ordinary income tax at the recipient’s marginal rate and subject to a 10 percent penalty. By investing in a plan outside your state of residence, you may lose any state tax benefits. 529 plans are subject to enrollment, maintenance, and administration/management fees and expenses.

Retirement income involves more than withdrawing money as expenses arise. How you take income can matter just as much as...
07/27/2026

Retirement income involves more than withdrawing money as expenses arise. How you take income can matter just as much as how much you have saved.

For example, an additional $50,000 withdrawal from a traditional IRA generally increases taxable income for the year, while a qualified withdrawal of the same amount from a Roth IRA generally would not. Depending on the retiree’s circumstances, that difference may affect their tax liability and Medicare premiums.

Withdrawal decisions can also influence future account balances, the size of Required Minimum Distributions (RMDs), and how long a portfolio may be expected to support retirement spending. Decisions made during the early years of retirement can therefore have consequences later in retirement.

Therefore, retirement planning helps coordinate withdrawals across taxable, tax-deferred, and tax-free accounts with these considerations in mind. Two retirees with similar portfolios may experience different outcomes based on which accounts they draw from and when.

A coordinated retirement income strategy considers current spending needs alongside taxes, future income needs, and long-term portfolio sustainability. The goal is to determine not only how much to withdraw, but where that income should come from over time, as circumstances evolve.

Address

7900 Westpark Drive, Suite T260
Vienna, VA
22102

Telephone

+17034629643

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