Legacy Roth
Conversion
Chances are, your biggest expense in retirement will be taxes.
Let us help reduce the taxes you’ll pay in retirement.
We’re Roth conversion experts.
Average Client Savings
Total Client Savings
Money Back Offer*
WHAT MAKES US DIFFERENT
Rothology™ Benefits
Insulation from future tax uncertainty
Move forward with the peace of mind that you’re doing all you can to avoid taxes in retirement.
Avoid estate depletion
from income tax
Retain the value of your estate and your net worth.
Protect your heirs from
higher lifetime taxes
Maximize your legacy and safeguard your loved ones from higher taxes.
Minimize your total lifetime income taxes
Avoid taxation of future deferred compounded growth
Minimize or eliminate required minimum distributions
Possibly reduce your Medicare premiums
The distribution phase of retirement is so critical that you must do it right or face the possibility of significant financial surprises. Q3 Advisors helped me to see the next 20-30 years with a lot more clarity which has enabled me to make educated decisions now.
A Legacy Roth
Conversion Includes
Retirement Planning
Analysis & Evaluation
Customized Roth
Conversion Strategy
Medicare Premium
Analysis
Net Worth Impact
Projections
Personal Finance
Goals
Cash Flow
Projections
Plans for
Charitable Giving
Federal & State
Tax Projections
Dedicated Roth Conversion
Specialist
Implementation
Walk-along
100% Money-Back
Offer*
Complementary Annual
Reviews
A PAINLESS PROCESS
Working with us: What to Expect
Discovery Consult
We’ll explain how it works and answer any questions you might have. We’ll get to know a little about your situation to determine if you’re a good candidate for our Roth conversion services.
Data Gathering
We’ll dig in to better understand your financial situation and retirement objectives.
Preliminary Analysis
After spending several hours in analysis, your Certified Financial Planner® will present their initial ideas and recommendations that form the framework of your plan.
Final Escape Plan
Once an optimal strategy has been crafted, your CFP® will finalize your custom plan – including the steps needed to succeed.
Implementation
Your CFP® will offer recommendations and assistance with completing the steps needed to put your personalized game plan into action.
Ongoing Support
Complimentary Annual Reviews & Updates for the life of your plan
Once the plan is in place, we will be there to help keep you on track with annual reviews – through all of life’s twists and turns.
We’ll evaluate your plan to ensure it’s still optimal
We’ll update your plan to account for changes in your taxes, life, or goals
We’ll recommend revisions as needed and provide an updated Rothology™ Report
Ready to get the answers to the questions that keep you up at night?
- Find out if you’re a good fit
- Learn how it works
- Ask us anything
Great service. Personalized plans covering RMD and tax minimization strategies, delivered by a true, unbiased fiduciary.
WAITING FOR THE PERFECT MOMENT?
Don’t wait – Even a year can make a difference
You’ll lose another year of tax-free growth in your Roth IRA
Your IRA balance will continue to grow – resulting in more taxes to pay
You’ll lose one more year of the remaining lower rates created by TCJA 2017
YOU MAY BE TEMPED TO HANDLE YOUR OWN ROTH CONVERSION
Should You Hire Q3 or DIY?
Do it Yourself
- How will you know you’re doing everything right?
- This isn’t your area of expertise
- Millions of dollars are at stake
Work with Us
- You’ll know for sure you’re doing everything you can to maximize your legacy
- You’re working with a Roth conversion professional
- Rest easy knowing you’re saving as much as you can for yourself AND your heirs.
FAQs
Legacy Roth Conversion FAQs
How does your firm make money?
Our firm operates on a transparent and straightforward fee structure. We charge a flat rate for our financial planning services, which covers a wide range of offerings tailored to meet your needs. Whether you are seeking a Roth conversion strategy or ongoing financial planning, our services are designed to provide you with the guidance and support necessary to achieve your financial goals. By eliminating commissions and hidden fees, we ensure our interests align with yours, focusing solely on delivering value and results for your financial well-being.
Do you only work with people who are “IRA millionaires”?
No, we don’t exclusively work with “IRA millionaires.” Our expertise lies in accelerated Roth conversion strategies, and we’ve found that clients with $750,000 or more in pre-tax assets can greatly benefit from this approach. This threshold often makes the strategy particularly valuable, as it helps optimize your tax situation and enhance retirement readiness.
Are annual reviews included in the Rothology service for the lifetime of my plan?
Yes, annual reviews are included in our Rothology service for the lifetime of your plan. We provide regular updates and evaluations to ensure your plan is optimized to its fullest potential. Our ongoing commitment to your financial success means we continually adjust your strategy as needed to align with your goals and changing circumstances.
Are you a fiduciary?
Absolutely! In fact, we take our responsibility in that role as far as we know how. We don’t sell any financial products, nor do we manage investment portfolios. We’ve found that those activities, while still allowed by the regulators, provide too much incentive to give slanted advice.
We want you at the center of our advice; we like to refer to our role as being a ‘fid-YOU-ciary’.
What makes you different?
We like to think that we are not a typical know-it-all financial type, but that’s probably not our most endearing differentiation. Roth conversion and comprehensive financial planning are the only things we do. We eat, breathe and sleep ‘strategy’.
We serve one financial master; you. We don’t earn ongoing fees, whether your portfolio is up or down; nor do insurance companies pay us commissions to send business to them.
Ready to get the answers to the questions that keep you up at night?
- Find out if you’re a good fit
- Learn how it works
- Ask us anything
Craig worked with me to develop the best plan fitting my circumstances and demonstrated the remarkable savings I could achieve…The end result was a ‘Rothology’ plan to achieve the maximum savings without impacting my planned future cashflow.
I completed the last step of implementation in early 2023 and all the numbers are falling into place exactly as were outlined in the plan. I feel fortunate to have been introduced to Craig and his ‘Rothology’ system and am 100% satisfied with the outcome.