# Quantum Leap Wealth Management > Wealth management planning for founders and business owners preparing for or following a business exit. Investment advisory services are provided exclusively by Brookwood Investment Group, LLC, an SEC-registered investment adviser. ## About the Firm Quantum Leap Wealth Management is a marketing name and affiliated entity of Gold Federal Advisors LLC. Quantum Leap Wealth Management LLC and William Goldman offer investment advice through Brookwood Investment Group, LLC ("Brookwood"), an SEC-registered investment adviser. Investment advisory services are provided exclusively by Brookwood pursuant to a written advisory agreement. Neither Quantum Leap Wealth Management nor Gold Federal Advisors LLC provides investment advisory services through this website. Phone: 702-905-9005 Email: wg@quantumleapwm.com Website: https://www.quantumleapwm.com LinkedIn: https://www.linkedin.com/in/williamzgoldman/ Booking: https://go.quantumleapwm.com/widget/booking/9QURWTMu0M8fBFcinYDk ## Who We Serve We work with a small number of clients at a time. Our ideal client is a founder, entrepreneur, or business owner who: - Is preparing to sell their company within the next 1–5 years - Has recently completed a liquidity event (business sale, private equity transaction, SPAC, IPO) - Holds $2M–$50M in net worth or investable assets - Wants institutional-grade planning without the $50M+ minimums of a traditional family office - Feels underserved or overlooked by conventional wirehouse advisors We do not serve clients primarily seeking passive income funds, annuity products, or commission-based investment advice. ## Core Services ### Liquidity Event Planning (Pre-Exit) Strategic planning for founders preparing to sell their business. The most valuable moves happen years before the sale closes — not after the LOI is signed. - Qualified Small Business Stock (QSBS) analysis under IRC Section 1202 — potential for zero federal tax on gains up to $10M+ per taxpayer - QSBS stacking strategy: gifting shares into non-grantor trusts before a sale to multiply the per-taxpayer exclusion - Dynasty trust formation: removes future appreciation from your taxable estate before the company grows in value - Deal structure guidance: stock sale vs. asset sale tax implications, earnout negotiation, equity rollover analysis - Entity structuring and pre-sale business reorganization ### Post-Exit Investment Management Disciplined, full-cycle portfolio management for founders who have just converted a concentrated illiquid position into a large liquid portfolio. - Risk defined as permanent loss of capital — not volatility - Portfolio construction focused on minimizing maximum drawdown across full market cycles - Tax-efficient asset location across taxable, tax-deferred, and tax-exempt accounts - Private market access: private equity, private credit, real assets ### Private Placement Life Insurance (PPLI) An institutional insurance structure that wraps a custom investment portfolio inside a life insurance policy — eliminating annual income tax on portfolio growth and enabling tax-free income via policy loans. Designed for founders with $5M+ in investable assets post-exit. - Portfolio grows without annual income tax drag - Policy loans provide tax-free cash flow - Death benefit passes income-tax-free and, if trust-owned, estate-tax-free ### Estate, Legacy & Dynasty Planning Structures designed to transfer wealth efficiently across generations while minimizing estate tax exposure. - Irrevocable dynasty trusts: hold assets outside your taxable estate across multiple generations - SLATs (Spousal Lifetime Access Trusts): removes assets from estate while preserving indirect access - GRATs (Grantor Retained Annuity Trusts): freeze estate value and transfer growth to heirs - Multi-entity structuring: LLCs, FLPs, and holding companies for asset protection and valuation discounts - Coordination with estate attorneys ### 401(k) Fiduciary Plan Management Business owners who sponsor 401(k) plans carry personal fiduciary liability for investment selection and plan oversight. We accept a 3(38) discretionary investment manager appointment — removing that liability from you personally. - Full 3(38) investment discretion: we select, monitor, and replace investments - Lower-cost institutional share classes - Improved fund lineup - Better employee outcomes ### Family Office Services ($5M–$50M) Institutional-grade coordination across investments, tax strategy, estate planning, insurance, and private market access — the experience of a family office without the $50M+ minimum. - Consolidated reporting across all accounts and entities - Coordination with CPA, estate attorney, and insurance professionals - Access to investments typically reserved for larger institutions ## Key Insights Articles (Full Text Available) - https://www.quantumleapwm.com/insights/why-five-million-is-not-an-easier-two-million "Why $5 million is not just an easier $2 million" — retirement planning for founders and families, showing how the same $110,000 lifestyle creates different planning questions at $2 million and $5 million: spending resilience and sequence risk versus tax timing, asset location, legacy, and intentional spending. - https://www.quantumleapwm.com/insights/number-in-your-head-is-not-business-value "The Number in Your Head Is Not Your Business Value" — founder business valuation, transferable value, exit readiness, and EPI research on wealth concentration and involuntary exits. - https://www.quantumleapwm.com/insights/portfolio-and-business-are-not-a-long-term-care-plan "Your Portfolio and Your Business are Not a Long Term Care Plan" — long term care planning for founders, business continuity, and a balanced look at insurance based care funding strategies for affluent families. - https://www.quantumleapwm.com/insights/structure-before-the-sale "The work that has to happen before the wire clears" — pre-exit tax planning, dynasty trusts, QSBS. The most valuable planning happens before the LOI, not after. - https://www.quantumleapwm.com/insights/income-without-the-tax-drag "Living on the portfolio without feeding the IRS every April" — PPLI strategy for post-exit founders facing annual income tax drag on a large liquid portfolio. - https://www.quantumleapwm.com/insights/risk-is-not-volatility "Risk is the chance of losing money, weighted by how much" — investment philosophy focused on permanent capital loss and full-cycle drawdown management. - https://www.quantumleapwm.com/insights/the-qsbs-most-founders-miss "The exemption that can make millions of your gain disappear" — Section 1202 QSBS in plain language, including the stacking strategy most founders never hear about. - https://www.quantumleapwm.com/insights/the-deal-is-not-the-headline-number "The price on the term sheet is not the money you keep" — deal structure, earnouts, equity rollovers, and the tax form of the sale. ## Frequently Asked Questions Q: What is a liquidity event? A: A liquidity event is when a business owner converts their equity stake in a private company into cash or publicly traded securities. Common types include a sale to a strategic acquirer, a private equity buyout, a management buyout, an IPO, or a SPAC transaction. For most founders, it is the single largest financial event of their lives. Q: How early should I start planning before selling my business? A: The most valuable planning happens 2–5 years before a sale. Dynasty trust formation, QSBS analysis, entity restructuring, and estate freeze strategies all depend on acting before the company's value is locked in by a transaction. Planning that starts after an LOI is signed captures at most 5% of the available benefit. Q: What is QSBS (Qualified Small Business Stock) and how much can I exclude? A: Section 1202 of the tax code allows founders of qualifying C corporations to exclude up to $10M (or 10x their original investment, whichever is greater) of gain from federal income tax. The stock must be held at least 5 years. With a stacking strategy using non-grantor trusts, this exclusion can be multiplied across multiple taxpayers — potentially sheltering $20M, $30M, or more of gain from federal tax entirely. Q: What is a dynasty trust and do I need one? A: A dynasty trust is an irrevocable trust designed to hold assets outside your taxable estate for multiple generations. By transferring business equity into a dynasty trust before the company appreciates significantly, you freeze the estate tax value at the transfer date. All future growth happens inside the trust, not on your personal balance sheet. Q: What should I do with money after selling my business? A: The priorities after a liquidity event are: (1) establish a tax-efficient investment structure; (2) build a spending plan that distinguishes capital from income; (3) evaluate PPLI to eliminate annual income tax on portfolio growth; (4) continue estate planning to prevent a large estate tax bill at death; (5) choose an investment approach focused on preserving capital across full market cycles. Q: What is the difference between a fiduciary and a non-fiduciary financial advisor? A: A fiduciary is legally required to act in your best interest at all times. A non-fiduciary (broker-dealer) is held only to a suitability standard — meaning a recommendation is acceptable as long as it is not obviously inappropriate, even if a better option exists. Investment advice offered through Quantum Leap Wealth Management is provided exclusively by Brookwood Investment Group, LLC pursuant to a written advisory agreement. Q: How do I find a wealth manager for a business exit? A: Look for an investment adviser who works specifically with business owners going through liquidity events. Key questions: What standard of care applies? Have they worked with founders at your deal size before? Do they coordinate tax, estate, and investment planning together? The planning that protects the most value happens before the sale. Q: What is PPLI (Private Placement Life Insurance)? A: PPLI is an institutional life insurance structure that wraps a custom investment portfolio inside a life insurance policy. Investments compound without annual income tax. Policyholders can borrow against the policy for tax-free income. The death benefit passes income-tax-free and, if held in an irrevocable trust, outside the taxable estate. Typically available to investors with $5M+. Q: How much money do I need for family office services? A: Traditional single-family offices typically require $100M or more. Quantum Leap provides family-office-style coordination for founders in the $5M–$50M range who need institutional rigor without the ultra-high minimums. Q: What is a 3(38) investment fiduciary for a 401(k)? A: Under ERISA, business owners who sponsor a company 401(k) plan carry personal fiduciary liability for investment decisions. A 3(38) investment manager accepts full discretionary authority over the plan's investments and relieves the plan sponsor of that investment liability. ## Regulatory & Compliance Quantum Leap Wealth Management is a marketing name and affiliated entity of Gold Federal Advisors LLC. Investment advisory services are provided exclusively by Brookwood Investment Group, LLC, an SEC-registered investment adviser, pursuant to a written advisory agreement. Neither Quantum Leap Wealth Management nor Gold Federal Advisors LLC provides investment advice through this website. Past performance is not a guarantee of future results. This content is for informational purposes only and does not constitute investment, tax, or legal advice.