Does AI calculate the numbers?

No. Every score, projection, tax figure, and conversion schedule in Quantum is computed by financial engines, never by AI; the engines documented on these pages are deterministic — identical inputs produce identical output. AI explains modeled results, answers advisor questions, runs what-if scenarios through those same engines, and drafts client-ready language that the advisor reviews. It does not compute, alter, or determine any projection, and it does not select or size strategies.

What is the Quantum Retirement Score?

A composite retirement-readiness score built from four pillars: funding, allocation fit, guaranteed-income floor, and stress resilience. The funding pillar comes from a seeded simulation of the client's plan over historical market returns; the other three come from deterministic calculations on the same inputs. The simulation page describes each pillar and how the headline is assembled from them.

Are the exact return and volatility assumptions published?

No. The methodology is public; the default parameter values are not. Every assumption a calculation actually used — returns, volatility, inflation, fees, allocation, tax year, filing status, and state — is shown in the product beside the result, so an advisor can always see what produced a number.

How current is the tax law Quantum applies?

Every tax calculation applies tax year 2026 law, verified against IRS, SSA, and state Department of Revenue primary documents. The tax page names the source for every table the engine applies, and the tax year is shown inside the product beside every tax figure.

Methodology

How Quantum Portfolio Analytics produces every number

Quantum Portfolio Analytics separates two jobs. Financial engines — never AI — compute every score, projection, tax figure, and conversion schedule from the client data an advisor enters; the engines documented here are deterministic, so identical inputs always produce identical output. AI explains those results and drafts the language around them; it never computes them. These pages document how each engine works and what it assumes.

In industry terms: the Quantum Retirement Score is a composite retirement-readiness score whose funding pillar is a Monte Carlo simulation over historical market returns; the Portfolio Durability Test is scenario-based historical stress testing; the tax and Roth conversion engines are closed-form calculators locked to a published tax year.

One page per engine

Each page answers one question and ends with a table of its assumptions as implemented.

Simulation & the Quantum Retirement Score — What the score is made of, how returns are generated from historical data, how withdrawals and taxes are modeled inside each trial, and what the outcome bands mean.
Stress testing & the Portfolio Durability Test — The three crisis scenarios, how each product's contractual behavior is modeled through a shock, the benchmark, and what the headline percentages measure.
Tax modeling — Federal and state methodology, Social Security taxation, RMDs, capital gains, Medicare IRMAA, filing statuses, and the tax year applied.
Roth conversion modeling — How conversion options are sized to a bracket, how each year is priced, and what the lifetime comparison measures.
How Quantum uses AI — Deterministic financial modeling, AI-drafted client intelligence: exactly what the AI can and cannot touch.

How to read these pages

Mechanism, not parameters. Every page explains how a calculation works. The specific return, volatility, inflation, and fee assumptions a calculation uses are advisor-controlled or firm defaults, and they are shown in the product next to the number they produced — not published here.
Ground truth is the code. These pages were written from the engines as implemented, not from a design document.
The advisor decides. Quantum calculates, analyzes, and illustrates; it does not make investment, tax, legal, or insurance recommendations. Every output is decision support for a licensed professional.

Common questions

Does AI calculate the numbers?: No. Every score, projection, tax figure, and conversion schedule in Quantum is computed by financial engines, never by AI; the engines documented on these pages are deterministic — identical inputs produce identical output. AI explains modeled results, answers advisor questions, runs what-if scenarios through those same engines, and drafts client-ready language that the advisor reviews. It does not compute, alter, or determine any projection, and it does not select or size strategies.
What is the Quantum Retirement Score?: A composite retirement-readiness score built from four pillars: funding, allocation fit, guaranteed-income floor, and stress resilience. The funding pillar comes from a seeded simulation of the client's plan over historical market returns; the other three come from deterministic calculations on the same inputs. The simulation page describes each pillar and how the headline is assembled from them.
Are the exact return and volatility assumptions published?: No. The methodology is public; the default parameter values are not. Every assumption a calculation actually used — returns, volatility, inflation, fees, allocation, tax year, filing status, and state — is shown in the product beside the result, so an advisor can always see what produced a number.
How current is the tax law Quantum applies?: Every tax calculation applies tax year 2026 law, verified against IRS, SSA, and state Department of Revenue primary documents. The tax page names the source for every table the engine applies, and the tax year is shown inside the product beside every tax figure.

Every assumption is shown in the product

See it on a real client

Run the engines on your own client data and open the assumptions behind any number. Licensed to financial professionals.

Security & Privacy

Your clients' data stays yours.

Quantum is built for licensed advisors who hold their clients' most sensitive financial details. Here is exactly how we protect them, and who else touches them.

For compliance teams

Request documentation

Document Security & privacy summary
Entity Quantum Portfolio Analytics LLC
Location Fayetteville, Arkansas
Contact founders@quantumportfolioanalytics.com

Our promises

Never used to train AI.

Client data is never used to train AI models, and our AI providers are contractually barred from training on it.

Encrypted, and kept in the US.

Data is encrypted in transit and at rest on Google Cloud, and processed and stored in the United States.

Yours to take or delete.

Export everything as a file at any time, and delete your account from settings once your subscription ends.

How AI is used

AI reads. Math calculates.

AI helps Quantum read uploaded statements and draft narratives. Every figure in a plan comes from Quantum's rule-based calculation engine, checked against a regression suite, not generated by AI.

i Statements Upload
ii AI extraction AI reads
iii Advisor review You
iv Calculation engine Math
v Plan and deck Output

Controls

How we protect data

Encryption

TLS in transit, encrypted at rest on Google Cloud.

Private document storage

Uploads sit in access-controlled storage, opened only through short-lived signed links.

Locked-down production

Access to production systems is restricted and logged.

Secure sessions

Secure, http-only session cookies and a two-device limit per account.

Audit trail

Consents and compliance-alert overrides are logged with time and version to support your firm's supervision.

No trackers, no sales

No advertising or third-party analytics trackers, and we never sell personal information.

“Quantum calculates, analyzes, and illustrates. The advice, and your clients' data, stay yours.”

For compliance teams

Where your data lives: Google Cloud

Google Cloud security overview →

Used for Hosting, database, file storage, sign-in, and OCR of scanned documents (Google Cloud and Firebase)
Data held All account and client data, uploads, and logs
Region United States

Encrypted in transit with TLS and encrypted at rest.
Uploads sit in access-controlled storage, opened only through short-lived signed links.
Access to production systems is restricted and logged.

Compliance summary, on request.

Our full compliance summary covers subprocessors, incident notice, data retention, and exam support. We share it with advisors and their compliance teams on request.

Request documentation

Terms · Privacy Policy · Disclosures

Questions

Do you or your AI providers train on my clients' data?: No. Client data is never used to train AI models, and our AI providers are contractually barred from training on it.
Where is my data stored?: Google Cloud, United States.
Can I delete everything?: Yes. Delete your account from Account settings once no subscription is active. We keep only the de-identified consent and billing records the law requires.
What happens if there's a breach?: If a security breach exposes client data in our systems, we notify you within 72 hours.
Is Quantum a registered investment adviser?: No. Quantum is a technology company, not an RIA, broker-dealer, or insurance producer.

Questions from your compliance team?

Contact

Email founders@quantumportfolioanalytics.com and we will send what they need.

Request documentation