Three books on the tax hiding inside your retirement account.
Written for people with $1 million or more in an IRA or 401(k). Each one is arithmetic you can check against your own balance, not a projection. Start with the free book, or go straight to the current one.
The free book
Paying the Piper
Every $1 million in your IRA has more than $800,000 of tax hidden inside it.
Craig’s first book shows you where the tax is buried in your 401(k) and IRA, how large your share of it is, and the four ways out.
- The seven tax traps built into a 401(k) and IRA
- Four ways out, in order of impact
- The full arithmetic behind $823,187 of lifetime tax on a $1,000,000 IRA
Two books on doing it properly
Roth Conversion Secrets
How IRA Millionaires escape a lifetime of unnecessary income tax.
The 5 costliest Roth conversion mistakes, and the 7 questions that tell you whether you’re leaving a fortune at the doorstep of the IRS.
- Why converting to the top of your bracket can leave you behind
- The seven questions that decide your plan
- Chapter 8: seven years of conversions, close to $1.8 million avoided
Roth Conversion Reset
The rules changed. Most IRA Millionaires are still playing the old ones.
What to do differently now that the 2017 rates are permanent, RMDs start at 73, and the SECURE Act has rewritten what your children inherit.
- What permanent 2017 rates actually change
- The SECURE Act and the ten-year rule, correctly
- Charitable giving, trusts and investments in transition
How to choose
You want to know if you have a problem
Read Paying the Piper. It puts a number on the tax already sitting in your account.
You know you have one and want the method
Read Roth Conversion Secrets. The five mistakes, the seven questions, and the arithmetic behind both.
You have read the others and want what is current
Read Roth Conversion Reset. Written after the rates were made permanent, and correct on the SECURE Act.
Find out what your own account costs you.
The books show you the method. A Rothology® analysis runs it on your actual balances, and identifies at least $500,000 in avoided taxes or the fee is returned in full.
Must be pre-qualified by one of our Roth conversion advisors.
Q3 Advisors, LLC is a Registered Investment Advisor. Information on this page is for educational purposes only and does not constitute tax, legal or investment advice. Past performance is not indicative of future results. Figures shown are illustrations based on stated assumptions; your results will differ. Consult your own tax professional before acting.