Our Clients

My husband and I are planning to retire in 5 months and had a lot of anxiety about our financial situation. While we had a CFP over the last 30 years, and he told us we’re fine, we still felt like we were in the dark about our financial future. We receive regular statements but could not interpret the information to our satisfaction. Our Q3 advisor, Kristen Barker, took our info. and created a 15 year “blueprint” of our finances given various scenarios with Roth Conversions. We were provided with extensive, detailed reports including 3 different conversion paths we could take as compared to our status quo. We felt like we could finally breathe when we saw the numbers and the why and how “we will be fine to retire.” That alone was worth the fee! Upon studying the reports it became clear that Roth conversions will greatly enhance our financial situation. Our question switched from “should we do conversions?” to “how could we NOT do conversions?” and we wish we knew about this 10 years ago.

Craig and Patrick and their team have been very helpful in producing a plan for full Roth conversion for me and my wife and we are very happy with the plan. Craig has been helpful with updates on optimal timing for conversions, including text updates on days when market is down. Their work has help me recognize that assets I have outside the usual retirement accounts will also affect how and when we can complete the conversion process. Grateful for the return on the investment in professional advice (probably over $100,000 so far).

Q3 Advisors allowed me to understand the details of
our potential financial future in various Roth conversion
scenarios. It reaffirmed some of the things I thought
I knew and gave me insight into things I was not aware of.
I’ve used their advice in conjunction with other sources of information to build our financial plans for our future.
I look forward to the continued review and advice from them in the years to come.

Trust the professionals that have the knowledge and software to assist you with ROTH conversions. They listen, will give you options and customized a plan. Start saving on future taxes now.

We knew we wanted to pursue IRA to Roth conversions but weren’t sure how much to convert. The plan we were presented with was very detailed and allowed us to decide which option we were comfortable with and get started with our conversions.

Craig’s team will develop multiple conversion scenarios, including no conversion, to provide you with the data to form your optimum strategy.

I thought I had done the right thing by building my wealth in tax deferred vehicles. You are trained to think you will be in a lower tax bracket when you retire, but if you plan well, you won’t be. I found Craig Wear and his team just in the nick of time. The Big Beautiful Bill also came at the right time!

I am in the first few months of getting a plan together but am very happy with my sessions so far. I am 66 but still with 3-4 years of working ahead of me (I like my profession!). I need the guidance that Q3 is providing – especially if market downturns occur creating opportunities for conversion. I have done dozens of spreadsheets and Roth conversions win in all my simulations. But I need the expert guidance Q3 provides to know exactly when and how much to convert. I like the one time fee structure – small compared to potential savings or a mistake.

Our two major take-aways from Rothology Planning has been to reduce our future taxes significantly, and to avoid the tax burden placed on our children at time of inheritance. It’s a good peace of mind. Thank you!