Helping IRA Millionaires save $1 million (or more) in unnecessary taxes
- Without buying financial products
- Without switching advisors
Our clients include tax attorneys, CPAs, financial advisors and engineers – people who did their homework and still chose us.
Founder & CEO of Q3 Advisors
OUR 100% MONEY-BACK OFFER
No Risk. High Reward
If we can’t help you avoid at least $500,000 in taxes, we’ll refund the full consulting fee.
*must be pre-qualified by one of our Roth conversion advisors
OUR SERVICES
Roth IRA Conversion Planning for IRA Millionaires
Rothology® Roth
Conversion
Let us help you save at least $500,000 in taxes over your lifetime.
Legacy Roth
Conversion
Make sure your heirs aren’t burdened with millions in taxes
Comprehensive
Financial Planning
Objective flat-fee financial advice from fiduciary planners
What Is Roth IRA Conversion Planning?
Roth IRA conversion planning is the process of strategically moving pre-tax IRA dollars into a Roth IRA, paying taxes now at a known rate to reduce or eliminate a much larger tax bill later. For IRA millionaires, the opportunity is usually substantial, though the size of the benefit varies significantly by situation.
Three forces drive it:
Required minimum distributions (RMDs) force taxable withdrawals beginning at age 73 or 75 depending on your birth year, whether you need the income or not. A large pre-tax IRA means large, taxable RMDs for the rest of your life.
IRMAA surcharges add thousands of dollars per year to Medicare premiums once your income crosses specific thresholds, and married couples pay the surcharge on each spouse. RMDs push many retirees past those thresholds automatically.
Inherited IRA rules require most non-spouse heirs to empty the account within 10 years, often during their peak earning years, at some of the highest tax rates they will ever face.
A properly structured Roth IRA conversion plan addresses all three. Done right, it reduces lifetime RMDs, lowers or eliminates IRMAA exposure, and turns a future tax liability into a tax-free legacy for your heirs.
The gap between a generic Roth conversion and an optimized one is not small. Across our published case studies it has run from $1.4 million to $2.5 million in projected lifetime tax avoidance. Closing that gap is what Rothology® was built to do.
“…They proved me wrong. I showed their plan to the largest investment company – and another financial planner; both of whom said they had never seen anything so thorough and that their own Roth conversion calculators were embarrassingly deficient compared to what Q3’s team provided…Their data changed everything I’d been told and those who gave the prior ‘standard advice’ have agreed with their analysis! MEA CULPA”
NICE TO MEET YOU
I’m Craig Wear, CFP®
After a thirty-six-year career as an independent financial adviser and Certified Financial Planner®, I sold my practice to focus on helping those in or near retirement save millions in taxes.
BY THE NUMBERS
Rothology®
Rothology® Combining the art and science of financial planning to help you transition to a tax-free future.
Our average client saves $80,000+ in
Medicare premiums
Our average client
avoids $3.2 million in taxes
We have 14 years of specialization
in conversions
CASE STUDIES
Real Client Results
Learn how we’ve helped our clients save millions
Bob and Susan’s
Optimal Rothology® Strategy
will save them $2.5 million
Kate’s
Optimal Rothology® Strategy
will save her $1.4 million
Dan and Carolyn’s
Optimal Rothology® Strategy
will save them $1.7 million
Ready to get on track toward saving $500,000 (or more!) in taxes
- Find out if you’re a good fit
- Learn how it works
- Ask us anything
Success Story
Real Results, Real Savings
“This is good stuff. Real eye opener. It’s actually exciting.
I don’t know who gets excited about paying this many tax over the next five years, but just get it done and get on with things.”
Started my conversion Dec. 2020 as per recommendation. Using the 35% charts… I will finish converting this Dec. 2023. Because of market changes I will be saving a lot more in taxes than originally estimated. Very happy at this whole experience.
JOIN OUR FREE WEBINAR
The Biggest Roth
Conversion Mistake
The common Roth conversion mistake leaving hundreds of thousands of dollars (or more!) on the doorstep of the IRS
The four limiting beliefs keeping you from saving more
Traditional Roth conversion vs Optimal Rothology® Conversion – the difference can mean $1mm+ in unnecessary taxes
Is Roth IRA Conversion Planning Right for You?
Not every retiree benefits equally from a Roth conversion strategy. The approach tends to work best when:
- You have $1 million or more in pre-tax retirement accounts (IRAs, 401(k)s, 403(b)s), though the strategy can benefit accounts starting around $750,000
- You are still in the conversion window, meaning before RMDs begin at 73 or 75
- You are married and want to protect the survivor from the widow’s penalty, where the surviving spouse files as single on roughly the same retirement income and lands in higher brackets and higher IRMAA tiers
- You want to leave a tax-free inheritance rather than a future tax burden to your children or heirs
If you are in your early 50s:
You are not too early. The longer your planning horizon, the more tax-free growth you capture and the more years you have to spread conversions across lower brackets. A multi-year strategy started now can change your outcome substantially by the time you retire.
If you are already 75 or older:
Conversions can still make sense depending on your IRA balance, current tax rate, and legacy goals. The math is different once RMDs are in full swing, but a proper analysis will show quickly whether partial conversions still benefit you or your heirs.
Our clients include tax attorneys, CPAs, engineers, physicians, and federal employees who researched Roth conversions on their own and still chose to work with a Roth conversion advisor who does nothing else.
Rothology® FAQ
How does your firm make money?
Our firm operates on a transparent and straightforward fee structure. We charge a flat rate for our financial planning services, which covers a wide range of offerings tailored to meet your needs. Whether you are seeking a Roth conversion strategy or ongoing financial planning, our services are designed to provide you with the guidance and support necessary to achieve your financial goals. By eliminating commissions and hidden fees, we ensure our interests align with yours, focusing solely on delivering value and results for your financial well-being.
Do you only work with people who are “IRA millionaires”?
Our clients typically have $1 million or more in pre-tax retirement accounts — IRAs, 401(k)s, 403(b)s, or a combination. The strategy can also benefit accounts starting around $750,000, depending on your tax situation, RMD exposure, and legacy goals. If you are not sure whether your situation qualifies, the first step is a conversation.
Are annual reviews included in the Rothology service for the lifetime of my plan?
Yes, annual reviews are included in our Rothology service for the lifetime of your plan. We provide regular updates and evaluations to ensure your plan is optimized to its fullest potential. Our ongoing commitment to your financial success means we continually adjust your strategy as needed to align with your goals and changing circumstances.
Are you a fiduciary?
Absolutely! In fact, we take our responsibility in that role as far as we know how. We don’t sell any financial products, nor do we manage investment portfolios. We’ve found that those activities, while still allowed by the regulators, provide too much incentive to give slanted advice.
We want you at the center of our advice; we like to refer to our role as being a ‘fid-YOU-ciary’.
What makes you different?
We like to think that we are not a typical know-it-all financial type, but that’s probably not our most endearing differentiation. Roth conversion and comprehensive financial planning are the only things we do. We eat, breathe and sleep ‘strategy’.
We serve one financial master; you. We don’t earn ongoing fees, whether your portfolio is up or down; nor do insurance companies pay us commissions to send business to them.