WealthQuant Advisors LLC (“WealthQuant Advisors,” “we,” or “us”) is a state registered investment advisor in the State of California (CRD #344524). Registration as an investment adviser does not imply any level of skill or training. It also does not mean that the California Department of Financial Protection and Innovation, or any other regulator, has approved or endorsed us, our services, or this website. We are based in the San Francisco Bay area and work with clients in California, in person and virtually. We may also work with clients in any other jurisdiction where we are properly registered, or exempt from registration. Our founder is Ginger Chien, Principal. Our office is located at One Sansom, Suite 1400, San Francisco, CA 94105.

Form ADV

Our Form ADV Part 2A brochure explains our services, fees, conflicts of interest and disciplinary history, if any. Our Form ADV Part 2B brochure supplement describes the people who advise you. Both are free on request — call (650) 397-1868.

You can also read our Form ADV, and look up any investment adviser, on the SEC’s Investment Adviser Public Disclosure website: adviserinfo.sec.gov/firm/summary/344524.

If anything on this website differs from our Form ADV or your signed advisory agreement, the Form ADV and the agreement govern.

How we are paid

WealthQuant Advisors is a fee-based firm, not a fee-only firm. We are paid primarily by our clients, for advice, and we publish our planning fees on Our Fees. Investment management, when a client wants it, is a separate asset-based fee, disclosed in our Form ADV Part 2A and agreed in writing before it starts. Advanced builds are scoped and priced as separate projects.

WealthQuant Advisors is under common ownership with and an affiliate of WealthQuant Financial Services and Insurance Solutions, LLC.

Insurance is sold through WealthQuant Financial Services and Insurance Solutions, LLC, not through WealthQuant Advisors, the RIA. Where insurance is genuinely the right tool, Ginger Chien (CA Ins. Lic. # 4394348), acting as a licensed insurance agent, may earn a commission from the insurance company.

This creates a conflict of interest. A conflict of interest exists because Ginger Chien has a financial incentive to recommend insurance products based on the compensation received rather than based on the client’s best interest. As a fiduciary advisory firm, we and Ginger Chien must disclose whether a transaction will result in a commission, before you decide to buy. You are never obligated to purchase insurance products through Ginger Chien or WealthQuant Financial Services and Insurance Solutions, LLC, and you may be able to directly invest in products recommended by Ginger Chien and WealthQuant Advisors. In any instance where Ginger Chien is paid a commission on an insurance transaction, there is no investment advisory fee associated with the insurance product and the client will be made aware of all commissions associated with the product prior to the transaction.

Illustrative figures, not guarantees

All strategy examples and any contribution, deduction or tax-savings figures on this site are hypothetical, illustrative estimates. They rest on general assumptions and on state/federal tax limits that are subject to change. They are not a guarantee of any result, and they do not describe any actual client’s experience. Your outcome depends on your own facts and on future law.

A defined benefit or cash balance plan’s maximum contribution is determined by an actuarial feasibility study.

Investing involves risk, including the possible loss of principal. No strategy assures a profit or protects against loss.

The Tax X-Ray is a free, no-obligation conversation of about 30 minutes. Any estimates discussed are rough and illustrative, and are not advice. An advisory relationship begins only when you sign an advisory agreement and receive our Form ADV Part 2 Brochure and our Privacy Policy.

Not tax, legal or investment advice

Everything on this website is general education. It is not tax, legal or investment advice, and it is not a recommendation to buy, sell or hold any security or insurance product. Reading it does not create an advisory relationship. We give personalized advice only under a written advisory agreement, after we understand your situation.

We are not a CPA firm or a law firm. We work alongside your CPA and attorney, and they should review any tax or legal decision before you act on it.

Tax law and the dates that matter

Tax-law references on this site reflect our understanding of federal and California law as of October 1, 2026, including changes made by Public Law 119-21 (commonly called the One Big Beautiful Bill Act).

Limits, thresholds and deadlines change. Pending legislation can change them too — for example, proposals to extend the wash-sale rule to digital assets, which does not apply to them under current law. Each strategy page shows when it was last reviewed.

Forward-looking statements

Some statements on this site look ahead — what a strategy could be worth, when a deadline may matter, or how the law may change. They rest on assumptions that may prove wrong, and actual results may differ materially. We don’t undertake to update them, except through the periodic reviews noted on each page.

Testimonials and endorsements

WealthQuant Advisors does not use client testimonials, third-party endorsements, or third-party ratings and no one has been paid to recommend the firm.

Quotations shown under “Sound familiar?” are composite sentiments written by WealthQuant Advisors to describe concerns people commonly raise. They are not statements by any client or any identifiable person.

“Reviewed by Ginger Chien” identifies who reviewed a page’s content. It is not an endorsement or a testimonial.

Imagery

This site uses supplied photographs, AI-generated editorial illustrations, and edited composites. Images are presented for illustration and do not represent an actual client result.

Third-party links

Links to other websites — for example, government and regulatory sites — are provided for convenience. We don’t control those sites and aren’t responsible for their content, accuracy, privacy practices or availability. A link is not an endorsement.

Where we can do business

WealthQuant Advisors may only transact business in states where it is properly registered, or is excluded or exempted from registration requirements. Individualized responses to persons in other states that involve rendering personalized investment advice for compensation will not be made without first complying with those requirements.

This website is not an offer, or a solicitation of an offer, to provide advisory services in any jurisdiction where we are not registered or exempt.

Communications and privacy

Email and web forms are not secure channels. Please don’t send account numbers, Social Security numbers or tax returns through our contact form or by ordinary email, and don’t send trading instructions that way — we can’t act on them. Clients receive a secure way to share documents.

How we collect, use and protect personal information is described in our privacy notice.

Questions or complaints

You may also contact the California Department of Financial Protection and Innovation at dfpi.ca.gov.

Copyright

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