Live Web Class · Thursday, October 29th at 2:00 PM ET

9 Smart Moves IRA Millionaires Are Making in 2026

A live countdown of the nine costliest Roth conversion mistakes we see — and the moves that helped one couple turn a $2.3M lifetime tax bill into $1.8M in savings.

Craig Wear, CFP®, founder of Q3 Advisors, in his studio

Craig Wear, CFP® — Founder, Q3 Advisors

42 years in financial services. 15+ years focused exclusively on Roth conversions.

Over 3,000+ families served · $10B+ in projected lifetime taxes avoided · 3× #1 bestselling author on Amazon.

Many of you have been with us a while — welcome back. This session goes deeper than the last.

What You'll Learn

9 Smart Moves. One live countdown.

Most IRA Millionaires don't lose money on Roth conversions because the math is hard. They lose it to nine quiet assumptions that feel responsible — until you run the lifetime numbers. We count them down live, from nine to one, ending on the single biggest mistake we see.

9
Tax-deferral tunnel vision
Why "let it grow as long as possible" quietly compounds the IRS's share of your account, not just yours.
8
"It's too late for me"
Why there's still six and seven figures to save in your 70s and 80s (the goal just changes).
7
Waiting for RMDs
How letting the IRS set your withdrawal pace also lets them set your tax rate.
6
"I'll be in a lower bracket when I retire"
Why that's rarely true, and why it wouldn't rescue you even if it were.
5
"My heirs will figure it out"
What the SECURE Act's 10-year rule actually does to your kids' tax bill.
4
Converting only to the top of your bracket
The most common mistake we see, and what it costs over a lifetime.
3
"Charitable giving will offset it"
Where QCDs genuinely help, and where they quietly fall short on their own.
2
"My advisor already handles this"
The difference between managing investments and engineering a multi-year tax plan.
1
The do-it-yourself danger zone
Why spreadsheets, online calculators, and even AI keep getting this wrong.

Plus: how to know your plan is actually good

Craig walks through the three questions every conversion plan has to pass — Is it right? Is it complete? Is it worth it? — and the real John & Susan case study where the answer was $1.8M in avoided taxes.

IRA Millionaires register for this training for very different reasons.

Some have been researching Roth conversions for months. Some just found out what RMDs will do to their retirement. Some have been managing their own money for decades and hit a wall on a problem they can't solve alone. Here's what we hear most often from people in your shoes.

"I've done most of my own financial planning and modeling. I need an expert to double check my math and help me put the final touches on things."

If you've been running your own numbers, building spreadsheets, and trying to figure out the right conversion sequence on your own — this session is where the math gets validated. We walk through the variable interactions live — IRMAA thresholds, bracket stacking, Social Security timing, the widow trap — so you can see whether your model is catching everything or missing the pieces that matter most.

"I think we have enough money for my wife and I to live on for the rest of our lives. But I'd like to leave some money to my kids — and put it in a form where they wouldn't have to pay a lot of taxes."

If your biggest concern isn't your own retirement — it's what your children will actually owe when they inherit — this web class shows you what the SECURE Act's 10-year rule does to your heirs' tax bill. We'll walk through the math live so you can see exactly what's at stake for your family and what the strategy looks like to change it.

"I wanna do this, and I need somebody to hold my hand because my husband's not on board."

If one of you has been doing the research and the other hasn't bought in yet — you're not alone. That dynamic shows up in almost every consultation we do. This web class gives you both the same information at the same time so the conversation afterward is productive, not stressful. Bring your spouse. Couples who attend together make faster, more confident decisions.

"I just barely found out about RMDs about 6 months ago. And it kind of threw me into a panic."

If you recently discovered what Required Minimum Distributions will actually cost you — or you're just starting to realize the old adage of 'you'll pay less taxes when you retire' doesn't apply to your situation — this web class was built for exactly that moment. We don't sugarcoat the numbers. But we show you the strategy that changes them.

"I've been stalking Craig for a few months. I finally read one of the books. I'm halfway through the second. Watched a ton of videos."

If you've consumed everything — the books, the podcasts, the YouTube videos, the webinars — and you already know Roth conversions make sense, the question isn't whether to convert. It's how much, when, and in what sequence. This session goes deep on the optimization math that content can't personalize.

Reserve your seat

Thursday, October 29th · 2:00 PM ET / 1:00 PM CT / 12:00 PM MT / 11:00 AM PT · Free · ~60 minutes with CFP®s answering questions in live chat

60 seconds to register
CFP®s in live chat
Bring your spouse

Before you register — here's what everyone wants to know.

What is the web class about?

It's a live countdown of the nine most common — and most expensive — Roth conversion mistakes we see IRA Millionaires make. We use a real case study to show the lifetime tax difference between a 'good enough' plan and an optimized one.

You'll leave with a clear framework whether or not you ever talk to us.

Does this apply to my situation?

If you have significant savings in a 401(k), traditional IRA, TSP, or similar tax-deferred account — and you're within 10 years of retirement or already there — the math we cover applies directly to you.

It doesn't matter whether your money is at Fidelity, Vanguard, Schwab, or somewhere else. The tax traps work the same way.

Is this going to be a sales pitch?

We teach for the full session. At the end, if you want our team to run the numbers for your specific situation, we'll show you how.

We do it this way because the people who become clients are the ones who showed up informed.

Should my spouse watch with me?

Yes. The decisions we'll cover — tax strategy, Social Security timing, survivor benefits — affect both of you.

Couples who attend together make faster, more confident decisions — and skip the most common delay: going home and trying to explain it to someone who wasn't in the room.

Do I need to show up live?

Live is best — that's where our CFP® team is in the chat answering your specific questions in real time while Craig teaches.

A replay will be available for a limited time if you can't make it, but it won't include the live chat with our advisors.

What if I already have a financial advisor?

Most of the people we work with already have an advisor. We're not asking you to fire anyone.

What we do is highly specialized — multi-year Roth conversion tax optimization. We complement your existing relationship rather than replace it.

What if I am already doing Roth conversions?

Great — you're ahead of most. The question this web class answers is whether the amount, sequence, and timing you've chosen is actually optimal.

Most people doing their own conversions are leaving meaningful money on the table because they're solving for one year at a time instead of the full multi-decade picture.

How long will it be?

Plan on about 60 minutes. Craig teaches the full session and our CFP® team is in the live chat the whole time answering your questions as they come up.

We move quickly through the framework so we can spend real time on the math examples.

Want to go deeper before the web class?

Three videos we recommend watching before the session.

Why IRA Millionaires CAN'T Skip Roth Conversions in 2026

"What changes in 2026 — and why doing nothing quietly costs you the most."

How IRA Millionaires Beat The IRS At Its Own Game

"The framework large IRA owners use to legally shrink a lifetime tax bill."

The Roth Conversion Strategy Your CPA Doesn't Believe

"Why most CPAs miss the multi-year tax math that makes Roth conversions a clear win."

Browse all videos on our YouTube channel →

What to expect

Date & Time

Thursday, October 29th · 2:00 PM ET / 1:00 PM CT / 12:00 PM MT / 11:00 AM PT

Format

Live online web class. About 60 minutes. Craig teaches while our CFP® team answers your questions in the live chat in real time. A limited-time replay is available if you can't make it live — but the live chat with our advisors only happens during the live session.

Come prepared

Have your most recent retirement account statement nearby. We walk through the tax math live and you'll want to run your own numbers alongside us.

After you register

You'll get an instant confirmation email with the access link. We'll text you a reminder the day before and 30 minutes prior.