Free Book · Roth Conversion Reset
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Craig Wear's step-by-step playbook for IRA millionaires who want to stop overpaying the IRS — before RMDs, Medicare IRMAA, and the tax hit your spouse inherits when one of you dies.
Craig Wear, CFP® — Founder, Q3 Advisors. 42 years in financial services · 15+ years focused exclusively on Roth conversions · 3,000+ families served · $10B+ in projected lifetime taxes avoided · 3× #1 bestselling author on Amazon.
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New from Craig Wear
Craig's new book on the post-2025 tax landscape
Written for IRA millionaires navigating the post-2025 tax landscape — the SECURE Act, extended TCJA rates, and the short window before RMDs reshape everything.
What's inside
- How SECURE Act 2.0 changed the RMD game — why the age-73 deadline (rising to 75 by 2033) is both an opportunity and a trap.
- The multi-year Roth conversion plan — a year-by-year framework with specific bracket targets, funding sources, and adjustment triggers.
- Why the SECURE Act's 10-year inherited-IRA rule can cost your heirs hundreds of thousands — and how converting now can eliminate it.
- The Medicare IRMAA math most advisors get backwards — why short-term premium surcharges often unlock six- and seven-figure long-term tax avoidance.
- How to pair Roth conversions with Donor-Advised Funds and Qualified Charitable Distributions to offset conversion taxes and maximize your legacy.
What readers are saying
“Craig Wear does a Yeoman's job of clearly comparing the different tax ramifications of Traditional vs. Roth IRA retirement plans. One would be wise to implement his strategies if long term retirement nest egg growth and Medicare premium reduction is one's goal.”
“Love the book and the information Craig shares about converting the traditional IRA to a Roth. All of the pros and cons are clearly explained. Certainly worth a read.”
Meet the Author
Craig Wear, CFP®
Founder & CEO, Q3 Advisors
Craig Wear, CFP®, is a nationally recognized expert in strategic Roth conversions and tax-efficient retirement planning.
With 42 years in financial services and the last 15+ focused exclusively on Roth conversions, he's helped over 3,000 families avoid a projected $10B+ in lifetime taxes.
No products sold. No assets managed. One focus: helping you keep more of what you've built.
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