Why Us Page
Transparent, Fiduciary Planning with Zero Conflicts of Interest
We believe you deserve financial advice that’s completely aligned with your best interests — no commissions, no product sales, no hidden agendas.
The Fiduciary Standard — How We Take It a Step Beyond
In the financial world, the term “fiduciary” carries significant weight. We take that one step further and eliminate all potential conflicts of interest.
Fiduciary Advisors (Q3 Advisors)
- We eliminate all potential conflicts of interest.
- We do not earn commissions and/or percentage fees for managing client portfolios.
- We do not sell any products, which helps us provide disinterested advice.
Traditional Brokers
- May earn commissions from what they recommend.
- Often rely on product-based compensation.
- Conflicts of interest may exist between their income and your results.
At Q3 Advisors, this means:
- We receive no commissions or product-based compensation.
- We provide advice based solely on your goals.
- We measure success by your outcomes.
The fiduciary duty is the foundation of everything we do. It’s what gives our clients confidence that when we make a recommendation, it’s because we believe it’s the right decision for them — not for us.
How We’re Regulated and Held Accountable
We are registered as an Investment Advisor with the SEC, primarily governed by the Investment Advisers Act of 1940. This requires us to:
Act in the best interests of our clients.
File regular disclosures and updates with state/federal regulators.
Maintain financial records and compliance procedures.
Uphold strict privacy and recordkeeping standards.
You can verify our firm’s registration at any time by visiting adviserinfo.sec.gov and searching for Q3 Advisors, LLC or our CRD number: 284220.
The Q3 Advantage
Zero Conflicts
No commissions, no AUM fees, no product sales. Our success aligns only with yours.
Team Approach
Not a single advisor — an entire team of CFP® professionals working on your plan.
Tax-Focused
Specialization in retirement tax strategy, Roth conversions, and tax optimization.
Nationwide Service
Based in Colorado, but registered and able to serve clients in all 50 states.
Education First
We don’t sell products; we educate families through webinars, books, and resources.
Proven Results
Billions in projected lifetime tax savings identified for thousands of families.
How Clients Find Us
Educational Webinars
Live online events focusing on tax and retirement education.
Books & Resources
In-depth guides authored by our team members.
Professional Referrals
Trusted introductions from CPAs, attorneys, and other advisors.
Important Note: We do not cold call, sell investment products, or engage in high-pressure sales tactics. Our growth has been built entirely on education, transparency, and client referrals — a reflection of the trust our clients place in our work.
We don’t sell products. We educate families.
How to Vet Any Financial Firm (Including Us)
When evaluating any financial professional — including us — it’s important to know how to
verify their credibility. Here’s a simple checklist:
-
Verify registration
Search their name or firm on adviserinfo.sec.gov.
-
Confirm credentials
Verify professional designations such as CFP®, CPA, or ChFC®.
-
Ask how they’re compensated
How a firm or person is compensated can reveal conflicts of interest.
-
Review disclosures
Read the firm’s ADV (Brochure).
-
Assess transparency
A trustworthy advisor welcomes your questions.
-
Review disclosed Conflicts of Interest
Fiduciaries must disclose potential conflicts of interest, commissions, and fees.
“We encourage every client to perform this kind of due diligence.
Trust, after all, is earned through openness.”
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