Financial Planning
No asset management fees. No commissions. No products to sell.
Let us help reduce the taxes you’ll pay in retirement.
From a Fiduciary firm that’s only focused on what’s
best for YOU.
Minimize your total lifetime income taxes
Avoid taxation of future deferred compounded growth
Minimize or eliminate required minimum distributions
Possibly reduce your Medicare premiums
WHAT MAKES US DIFFERENT
Why choose Q3 Advisors?
We take Fiduciary to the
next level.
Our advisors are Certified Financial Planners® and seasoned experts. We’re all Fiduciaries focused on ONLY what’s best for YOU.
We make sure ALL of your
finances are working together.
Our custom comprehensive plans cover your entire financial picture and ensure all of the pieces are working in harmony toward your financial goals.
We don’t sell
financial products.
There are no conflicts of interest here. We don’t earn commissions and we don’t sell products. Our recommendations are based purely on what’s best for YOU.
Does This Sound Familiar?
Worried you’re not
on track?
Are you SURE you’re in the best position possible to achieve your financial goals?
We’ll help you evaluate where you are now, and develop a plan to get you to where you want to be.
Looking for an unbiased
expert for guidance?
You don’t want to work with someone concentrated on meeting quotas or selling products.
All of our advisors are experienced Certified Financial Planners® with only one concern: YOU.
Want to make sure you’re not
missing opportunities?
It’s hard to see the full picture from inside. And if you’re not a financial expert, you may be missing opportunities.
We’ll help you evaluate your options and choose the best strategies to reach your financial goals.
I used the financial planning services from Craig Wear and his team and am very happy with the plans and results provided…My overall expectation is that this plan will provide me and my wife with a better financial outcome in the coming years. The overall planning process was very simple and easy to execute on from the customer perspective and would recommend it to anyone thinking of utilizing this planning activity.
Ready to get the answers to the questions that keep you up at night?
- Find out if you’re a good fit
- Learn how it works
- Ask us anything
A PAINLESS PROCESS
Working with us: What to Expect
Discovery Consult
We’ll explain how it works and answer any questions you might have. We’ll get to know a little about your situation to determine if you’re a good candidate for our Roth conversion services.
Data Gathering
We’ll dig in to better understand your financial situation and retirement objectives.
Preliminary Analysis
After spending several hours in analysis, your Certified Financial Planner® will present their initial ideas and recommendations that form the framework of your plan.
Personalized Financial Plan
Once an optimal strategy has been crafted, your CFP® will finalize your custom plan – including the steps needed to succeed.
Implementation
Your CFP® will offer recommendations and assistance with completing the steps needed to put your personalized game plan into action.
What Does It Cost?
Client Setup Fee
$3,500 to $6,000- This is a one-time fee for your initial analysis, comprehensive financial plan, and integration into our system.
- Clients who have been through our Roth Conversion services will likely have this fee waived unless their situations have dramatically changed.
Monthly Planning Fee
$200 per month to $2,000+ per month- This is a ongoing fee for your initial analysis, comprehensive financial plan, and quarterly check-in meetings.
Craig offered eye-opening information that was presented clearly and concisely. While all the “conventional wisdom” was pointing one way, Craig’s analysis clearly showed it was wrong. His straightforward plan will pay for itself a zillion times over in the tax savings generated.
We Can Help You Answer:
Am I on track for my
retirement goals?
Do I have the right insurance coverage?
Is my investment strategy optimized for my situation?
Will my family be okay if I pass unexpectedly?
Am I leaving the largest legacy possible?
How can I avoid higher taxes in retirement?
Am I making the best financial decisions?
Can I maintain my lifestyle through retirement?
Should I convert my IRAs to Roth IRAs?
Can I afford a second home or RV?
How much can I give to charity?
Can I send my grandchildren to college?
These are just SOME of the questions we answer.
FAQs
Financial Planning FAQs
Do you manage investments?
Nope. No way, don’t want to.
Craig did that for more than thirty years; and most of our team have been on that side of the industry in the past. But each of us have chosen this field because we ‘love’ planning and strategy. We have all gotten soured by the industry measuring our success by the amount of money we could ‘gather’.
There is absolutely nothing wrong with doing that. We really need great investment advisors, but it’s not our bag.
Do you sell products?
Nope. No way, don’t want to.
Craig did that for more than thirty years; and most of our team have been on that side of the industry in the past. But each of us have chosen this field because we ‘love’ planning and strategy. We have all gotten soured by the industry measuring our success by the amount of products we could sell.
There is absolutely nothing wrong with doing that. We really need great investment advisors, but it’s not our bag.
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.
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.
Ready to get the answers to the questions that keep you up at night?
- Find out if you’re a good fit
- Learn how it works
- Ask us anything
Combining a lifetime of experience as a financial advisor and carefully developed proprietary software, Craig Wear puts together all of the extremely complicated moving parts of issues related to Roth conversions…I now have a much better understanding both of how to think about these issues and exactly what to do ….and just as importantly, what NOT to do.