Fully Accountable is the outsourced accounting and fractional CFO firm that Q3 Advisors partners with to prepare taxes for clients running a multi-year Rothology™ Roth conversion plan. If you were referred here after your plan started moving, this page explains who Fully Accountable is, what tax work they do, whether any money changes hands between the two firms, and how to book a no-obligation introduction call.
Fully Accountable is a Fairlawn, Ohio outsourced accounting and fractional CFO firm known for serving eCommerce and digital companies with bookkeeping, tax planning, and financial forecasting. Q3 Advisors refers retirement clients to Fully Accountable for Roth conversion tax preparation because the firm already handles Q3’s own books and understands Rothology™ multi-year strategies. There is no fee-sharing or commission between the two firms, and every introduction call is complimentary and no-obligation.
Who is Fully Accountable, and why does Q3 partner with them?
Fully Accountable is an outsourced accounting and fractional CFO firm based in Fairlawn, Ohio, co-founded by Vinnie Fisher. It built its reputation serving eCommerce and digital businesses with bookkeeping, tax, and financial analytics, and carries third-party ratings of roughly 4.3 out of 5 on both Trustpilot (“Excellent”) and Glassdoor. Q3 Advisors partners with them because the same firm keeps Q3’s own books and CFO reporting.
Fully Accountable operates as a back-office finance department for growing companies, combining daily bookkeeping, tax planning, and fractional CFO analytics under one roof. Its core market has historically been eCommerce, direct-to-consumer, and technology firms that need real-time financial reporting rather than an annual shoebox of receipts.
Q3 Advisors uses Fully Accountable for its own accounting and CFO services. That existing relationship is the reason Q3 refers individual retirement clients to them: the firm already knows how Q3 works, understands the tax mechanics of a Roth conversion strategy, and shares Q3’s emphasis on accuracy and transparency. The table below summarizes the firm’s profile as it appears across public directories.
| Attribute | Detail (public sources, 2026) |
|---|---|
| Firm type | Outsourced accounting and fractional / outsourced CFO services |
| Headquarters | Fairlawn, Ohio |
| Core services | Bookkeeping, tax planning and preparation, financial analytics and forecasting |
| Primary niche | eCommerce, direct-to-consumer, and digital / technology companies |
| Leadership | Co-founded and led by Vinnie Fisher |
| Trustpilot | Approximately 4.3 out of 5 (“Excellent”) |
| Glassdoor | Approximately 4.3 out of 5; roughly 95% would recommend |
| Relationship to Q3 | Handles Q3’s accounting and CFO work; referral partner for client tax prep |
What makes them a fit for Rothology™ multi-year plans?
A Rothology™ plan spreads Roth conversions across several tax years to fill lower brackets without triggering avoidable surtaxes. Fully Accountable fits that work because it plans taxes proactively rather than only filing returns after the fact. The firm can track a conversion’s effect on your bracket, estimated payments, and thresholds like the 3.8% Net Investment Income Tax across the full length of the plan.
Deciding how much to convert to Roth each year depends on your projected taxable income, filing status, and where the next bracket edge sits. In 2026 the 24% bracket runs up to $201,775 for single filers and $403,550 for married filing jointly, which is exactly where the 32% bracket begins. A CPA who plans ahead can help you convert up to a target ceiling rather than blowing past it, then adjust the following year.
What tax work do they handle for my Roth conversion?
Fully Accountable handles the tax preparation that follows a Roth conversion: reporting the converted amount as taxable ordinary income, planning quarterly estimated payments or withholding to cover the added tax, coordinating charitable and deduction strategies, and communicating directly with your Q3 advisor. Because a conversion is uncapped, irreversible, and due by December 31, accurate reporting and timely payments matter throughout the year, not only at filing.
The scope of the tax work generally covers four areas:
- Conversion reporting. A Roth conversion is taxable ordinary income for the year it happens and is reported on your return via Form 8606 and the 1099-R. It is irreversible, and you cannot convert a required minimum distribution.
- Estimated payment and withholding planning. Converting adds income the IRS expects you to pay tax on as you go. Planning quarterly estimates or adjusting withholding helps you avoid an underpayment penalty. See our overview of the 2026 Roth conversion deadline.
- Charitable and deduction coordination. Timing charitable gifts, bunching deductions, or using a Qualified Charitable Distribution from an IRA at age 70.5 or older can offset conversion income in the same year.
- Direct coordination with your Q3 advisor. The CPA works from the same plan Q3 built, so the tax return reflects the conversion targets your advisor modeled rather than a separate set of assumptions.
If you are past your required beginning date, note that the RMD age is 73, rising to 75 for those born in 1960 or later, and an RMD cannot be converted. Our guide to required minimum distributions in 2026 and the 3.8% Net Investment Income Tax explains the thresholds a conversion can push you toward.
Is there any fee-sharing or commission between Q3 and Fully Accountable?
No. There is no fee-sharing, no commission, and no financial incentive of any kind between Q3 Advisors and Fully Accountable for a referral. Q3 refers clients to the firm because it already trusts them with Q3’s own accounting and CFO work, not because either firm is paid to send business. You engage and pay Fully Accountable directly under a separate agreement.
This matters for two reasons. First, it keeps the referral clean under the standards Q3 follows as a registered investment adviser. Second, it means the recommendation reflects a working relationship rather than a paid arrangement. You remain free to have any CPA prepare your taxes; Fully Accountable is offered as a convenient option that already understands the plan Craig Wear and the Q3 team built for you.
How much does it cost, and is Fully Accountable legit?
Fully Accountable is a legitimate, established outsourced accounting firm with public Trustpilot and Glassdoor ratings near 4.3 out of 5. It does not publish fixed retail prices, because tax and accounting fees depend on the complexity of your return; you receive a quote after the introduction call. The introduction call itself is complimentary, with no obligation to hire the firm.
On the legitimacy question, Fully Accountable is a real, operating firm in Fairlawn, Ohio with a public track record, third-party review profiles, and an existing engagement handling Q3’s books. On cost, tax preparation pricing is quote-based rather than a flat published rate, since a return that includes multi-year Roth conversions, estimated payments, and charitable coordination is more involved than a simple filing. The introduction call is where you describe your situation and receive a fee estimate before committing to anything. Understanding your Roth conversion break-even can also help you weigh the value of professional tax help against the long-term benefit of the conversion.
How do I schedule my complimentary introduction call?
Use the scheduling calendar below to book a complimentary, no-obligation introduction call with a CPA at Fully Accountable who understands your Rothology™ plan. The short call reviews your goals, discusses estimated payments, and lets you decide whether they are the right fit to prepare your taxes this year. There is no pressure and no cost to meet.
Watch this short message to see how Fully Accountable supports your Q3 Advisors strategy, then pick a time on the calendar.
Work with Q3 Advisors
Q3 Advisors is a registered investment adviser focused on retirement tax planning. This page is educational and is not advice; consult a qualified professional.
Frequently asked questions
Is Fully Accountable legit?
Yes. Fully Accountable is an established outsourced accounting and fractional CFO firm headquartered in Fairlawn, Ohio, with public review profiles on Trustpilot and Glassdoor rated near 4.3 out of 5. Q3 Advisors uses the firm for its own accounting and CFO work, which is why Q3 refers retirement clients to them for Roth conversion tax preparation.
Who owns Fully Accountable?
Fully Accountable was co-founded and is led by Vinnie Fisher, an entrepreneur and author known for building the firm around outsourced accounting and fractional CFO services for eCommerce and digital companies. The firm operates from Fairlawn, Ohio and serves clients nationally. It is an independent company and is not owned by or affiliated with Q3 Advisors.
How much does Fully Accountable cost?
Fully Accountable does not publish fixed retail pricing, because accounting and tax fees depend on the complexity of your return and services. You receive a quote after a complimentary introduction call in which you describe your situation, including any multi-year Roth conversions and estimated payments. The introduction call carries no obligation to hire the firm.
What does Fully Accountable do?
Fully Accountable provides outsourced accounting and fractional CFO services, including daily bookkeeping, tax planning and preparation, and financial analytics and forecasting. Its core market is eCommerce, direct-to-consumer, and digital companies. For Q3 Advisors clients, the firm prepares tax returns tied to Roth conversion strategies and coordinates estimated payments with your advisor’s plan.
Where is Fully Accountable located?
Fully Accountable is headquartered in Fairlawn, Ohio, a suburb in the Akron metropolitan area. The firm serves clients across the United States remotely, so you do not need to be in Ohio to work with them. Q3 Advisors clients meet with a Fully Accountable CPA by phone or video during the complimentary introduction call.
What is Fully Accountable’s Trustpilot rating?
Fully Accountable holds a Trustpilot rating of roughly 4.3 out of 5, which Trustpilot labels “Excellent.” The firm also carries a Glassdoor rating near 4.3 out of 5, with about 95% of reviewers indicating they would recommend it. These figures come from third-party review platforms and can change over time, so check the live profiles for current scores.