Life is complex...

Building a Life of Wealth

Doesn't have to be.

As Defenders of Wealth we focus on the endgame by architecting financial foundations that provide liquidity, growth, and stability to support you throughout life and into retirement.

Empowering Your Financial Future

At Quest Commonwealth, we offer a comprehensive suite of services designed to meet the diverse needs of our clients. Our holistic approach ensures that every aspect of our clients' financial well-being is addressed, from investment management to estate planning.

Investment Management

We tailor investment strategies to each client's goals and risk tolerance, balancing growth opportunities with wealth preservation. Our Three Worlds of Money philosophy integrates Potential, Protection, and Hybrid strategies to ensure both growth and asset protection.

Estate Planning

Our estate planning services include wills, trusts, and powers of attorney, ensuring assets are protected and transferred efficiently. We help clients plan for both their legacy and potential healthcare needs.

Income Planning

We create personalized retirement income plans using strategies like annuities, pensions, and Social Security. Our goal is to provide reliable, flexible income streams that adapt to changing needs, ensuring clients enjoy a secure retirement.

Medicare Services

We simplify Medicare decisions, helping clients select the best coverage and manage ongoing adjustments. Our support ensures clients’ healthcare needs are met while minimizing out-of-pocket costs.

Tax Planning

We focus on minimizing tax burdens by developing tailored tax strategies that optimize both current and future tax situations. Our approach includes managing income taxes, capital gains, and retirement account distributions to maximize tax efficiency. 

Client Education and Engagement

Through our Safe Money Mindset brand, we offer financial education via books, seminars, and TV shows. We empower clients with knowledge to make informed financial decisions and achieve long-term security.

Safe Money Mindset

Three Worlds of Money


  • What is it?

  •  THE Mindset

  •  Potential

  • Protection

  • hybrid 

The financial landscape can be complex and overwhelming. The Three Worlds of Money framework simplifies decision-making by categorizing your assets into three distinct areas: Potential, Protection, and Hybrid. Each category plays a unique role in your financial plan, helping you protect your wealth, pursue growth, and maintain accessibility when needed.

How often have you asked yourself, “Am I managing my money effectively?” Whether you’re early in your career, preparing for retirement, or somewhere in between, the time to think about your financial strategy is now.

In a world of financial uncertainty, diversifying your investments across different types of assets is key to long-term financial stability. Our "Three Worlds of Money" approach—Potential, Protection, and Hybrid—provides a structured way to categorize your assets, allowing you to balance growth potential with safety and flexibility. This guide will walk you through the Three Worlds of Money approach, helping you understand how to allocate your resources effectively.

Diversification is more than just a buzzword in finance; it’s a crucial strategy for managing risk. By spreading your investments across the Three Worlds of Money, you reduce your exposure to market volatility and create a more resilient financial portfolio. This approach not only helps you weather economic downturns but also strategically positions you to protect your assets during turbulent times.

By incorporating protection-oriented investments, you can shield your wealth from the full impact of market downturns, ensuring that your financial plan remains intact even in the face of economic challenges. In short, diversification through the Three Worlds of Money not only supports growth but also safeguards your financial future against potential setbacks.

Publications We're Featured In

24 minute video e-book

"7 Building Blocks of  Safe Money Mindset" 

Discover how we have educated over 500 clients on how to protect, grow, and access their wealth on their terms. Avoid unnecessary risk and maximize your liquidity, putting you in the driver's seat.

Safe Money Mindset 

A DIFFERENT WAY OF LOOKING AT MONEY SO YOU DON'T RUN OUT IN RETIREMENT.