Our Clients

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.

The team at Q3 Advisors has been great to work with! They are patient and explain things at the level you need so you can understand. The modeling is at a level that can’t be done using spreadsheets on your own without an extensive amount of time and effort (this coming from a retired CPA). The results provided us a great understanding of our financial position and therefore confidence in moving forward with the recommended Roth Conversion plan. They have also been very responsive when we have had questions, even after the plan was completed, and were supportive as we executed our first Roth Conversion including how to handle the payment of related taxes. In addition, we like that his isn’t a one-and-done service. We look forward to our first annual Rothology Review meeting, to review and verify our Roth Conversion plan is still on track, and if not, work with them to determine revisions needed. The included annual reviews provide us peace of mind and ongoing confidence that our Roth Conversion strategy is appropriate taking into consideration our ever changing financial position.

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!

Great process and support to work through our specific circumstance and allow us to get to an understanding quickly in order to take next steps.

For years I thought about doing a Roth conversion, but the thought of paying large amounts of tax was against everything I had ever preached regarding tax deferral. The guys at Q3 Advisors spent a lot of time learning about my specific financial situation before preparing any projections. The projections they provided were easy to read and understand and were specific to my case. No cookie cutter presentation! They even ran some scenarios at my request even though they knew it was not the optimal answer for me. My advisors were easy to get hold of when I had questions and communicated very effectively. The fee charged, in my opinion, was very fair for services and materials provided. I highly recommend Q3 Advisors and their Rothology method!!