Quantis Wealth Management

Last November, Patrick earned his CFP® designation, and he recently transitioned into the role of Director of Planning at Quantis Wealth Management.

Patrick joined Quantis in 2024 with more than 10 years of accounting, including tax planning for individuals. He works at the intersection of wealth management and tax services, assisting advisors with the implementation of tax efficient financial planning strategies for mass affluent and high-net-worth individuals. Patrick also serves as Senior Manager of Quantis Tax Services, where he oversees tax compliance and planning solutions.

Patrick has continued to expand his role within the firm through his work with clients and commitment to thoughtful financial planning. We’re proud to have him as part of the team and look forward to his continued growth.

For retirees who are already giving to charity, Qualified Charitable Distributions (QCDs) can sometimes create a more tax-efficient way to do so.

Rather than taking a required minimum distribution (RMD) into income and donating separately, a QCD allows eligible IRA assets to be transferred directly to a qualified charitable organization.

In some cases, this may help reduce taxable income while also satisfying all or part of the RMD obligation, which begin at age 73. QCDs may also reduce the future value of an IRA over time, which can potentially lower future RMDs as well.

However, for those younger than 70½ years old or those interested in making charitable gifts in excess of $100,000 annually, a QCD may not be the most appropriate method of facilitating your charitable goals. Additionally, if you are hoping to spread out your tax burden over a handful of years as opposed to making a lump sum contribution, you may prefer another strategy.

The best option is less about any single tax year and more about how income, distributions, and charitable goals are coordinated in a broader long-term plan.

Retirees mostly get income from:
– Investment accounts, including retirement accounts
– Social Security
– Pension

One thing that’s often overlooked is how much can be withdrawn sustainably.

A common starting point is in the range of 3–4% per year, but the actual amount depends on how withdrawals are structured and taxed over time.

Your withdrawal structure can have a meaningful impact on taxes and how long the portfolio lasts.

This is typically where a retirement plan shifts from projections to the decisions that actually determine outcomes.

We’ve outlined this in more detail here, for those interested: https://quantiswm.com/2023/04/25/retirement-income-planning-develop-a-plan-in-four-easy-steps/

Rick Gurz has been named a 2026 Washingtonian Top Financial Advisor.

We're grateful for the trust you place in our team and honored to be included among the advisors serving the Washington area.



2026 Washingtonian Top Financial Advisors, created by the Washingtonian. Presented in 12/2025. Data based on voting period between 11/2025-12/2025. Award winners are determined by popular vote from those surveyed locally in financial fields. Advisors may pay to hold out marketing materials. This award does not imply an endorsement, recommendation, or reflect the performance of the advisor.