Retirement income planning and Roth conversion software for financial advisors

Income, taxes, and portfolio strategy in one analysis

Most planning software treats income, taxes, and allocation as separate exercises. Quantum models them together, because a Roth conversion decision changes future RMDs, Medicare IRMAA surcharges, and every year of retirement income that follows.

Retirement income planning

Model income strategies across Social Security, pensions, and portfolio withdrawals, and compare Conservative, Balanced, and Growth tiers to build a dependable income floor.

Watch the income walkthroughs

Tax & Roth conversion planning

Multi-year Roth conversion strategies with automated bracket-filling, alongside the tax mechanics the platform models — RMDs, IRMAA, and state tax in all 50 states plus DC.

Watch the Roth conversion walkthroughs

Portfolio construction: the Five-Bucket Strategy

Time-segmented allocation that aligns portfolio risk with when each dollar is needed, plus a 1–10 portfolio risk score stress-tested against a market selloff.

See the platform overview

Built on a practicing advisor's 20-year framework

Nicolas J. McLeod

Founder · NJM Wealth Preservation Strategies

Quantum Portfolio Analytics is built on Nicolas J. McLeod's 20-year advisory framework — the Five Bucket Strategy, non-correlated diversification, and principal preservation — developed while advising retirement clients at NJM Wealth Preservation Strategies.

Every Monday he joins subscribers live to recap how he used Quantum with his own clients the previous week.

What advisors ask about Quantum

What is Quantum Portfolio Analytics?

Quantum Portfolio Analytics is retirement income planning and Roth conversion software for financial advisors. It models retirement income across Social Security, pensions, and portfolio withdrawals; optimizes multi-year Roth conversions with automated bracket-filling; analyzes taxes across all 50 states and DC; allocates portfolios with the Five-Bucket Strategy; and generates client-ready presentations from the same analysis.

Who is Quantum Portfolio Analytics for?

Financial advisors and retirement planning professionals — it is licensed to financial professionals, not consumers. It fits practices focused on retirement income, tax planning, Roth conversions, and RMD strategy for clients approaching or in retirement.

How does Quantum handle Roth conversion planning?

It optimizes Roth IRA conversions across tax brackets with multi-year strategies and automated bracket-filling, and models the surrounding tax mechanics — RMDs, IRMAA, and state tax — so the conversion plan and the client presentation come from one analysis.

What is the Five-Bucket Strategy?

A time-segmented allocation framework from Nicolas J. McLeod's advisory practice: client assets are organized into five buckets by when the money will be needed, so portfolio risk matches each phase of retirement income.

Meet the founders live every Monday

Weekly Founders' Town Hall · Mondays · 9:00 AM CST

Subscribers join a live Q&A with the founders every Monday at 9:00 AM CST — and a recap of how Nic used Quantum with his own clients the previous week.