Craig Wear Reviews

We have most of our retirement money in IRAs and we didnt realize the tax burden that we and our heirs would be subject to if we just do the RMD. Q3 first asked us about our retirement goals and expenses and then worked several different scenarios for us. Were implementing a scenario that maximizes our money and will avoid all taxes for our heirs.
It’s hard to accept the huge tax bill well incurr during the conversion but now understand that we will be much better off in the long run.

We were impressed with the thoroughness of the analysis provided by Craig’s team which included several scenarios that allow us to see the advantages of both timing and amounts for conversion of our deferred compensation accounts for Roth Conversions.

I’m about to make my second conversion. Craig’s group put me on a 5-7 year plan that fit my needs. They actually gave me several options for the conversion. They took the time to develop a plan for me and answered all by questions and concerns. I highly recommend their advice and service.

If you’re looking for a team to assist you with your financial future and reduce your tax burden, Q3 is your choice CFP firm. The process is data driven and very professional.

I have significant qualified assets but had virtually no plan on how or when to do Roth conversions. Sean’s detailed analysis and specific recommendations regarding what assets to convert and when provided me with the plan I was looking for and made me feel much more secure in my future.

Good advise isn’t cheap and cheap advise normally isn’t good. I feel the cost was well worth it in the total projected savings for both myself and my heirs.

We have much of our savings and investments in IRAs because we were teacher. We wish we had started converting earlier, but are happy to be on the conversion path now. We urge parents to encourage their children to make backdoor conversions if possible.

Very happy I decided to use q3 Advisors with my Roth conversion strategy. I struggled modeling all the complexities on spreadsheets and their software covers all the bases. Their approach got me over the hump on deciding if conversions were the right thing to do in my situation. Once I got over my initial concerns (paying taxes upfront, funding the taxes, portfolio value post conversions, etc.), I could see it was the right approach. Just completed my year 1 conversions!

This is not a hard process. However, there are a lot of alternatives and many different conversion options. Craig’s team lays it out nicely and was willing to spend time answering all of my questions. I’m a spreadsheet and comparison person, so this was exactly what I needed to see. Ultimately it is my decision, and they were great about offering suggestions, along with pro’s and cons of each scenario. I’m glad to get this process started and probably should have done it several years ago.