The decision that quietly determines whether your Roth strategy actually works — or quietly reduces your long-term wealth.
Craig Wear, CFP® — Founder, Q3 Advisors
42 years in financial services. 15+ years focused exclusively on Roth conversions.
Over 3,000 families served · 3× #1 bestselling author on Amazon.
What You'll Learn
Most IRA millionaires don't convert aggressively — not because the math doesn't work, but because they're afraid of how they'll pay the taxes. That fear keeps millions of dollars stuck and at risk. In 60 minutes, we'll change that.
From cash and brokerage accounts to redirected 401(k) contributions, paying from the IRA itself, charitable giving, and full tax-plan optimization — what each method actually costs you over a lifetime.
Most people pick the method that feels safest right now. We show you which choices look fine on this year's return but cost six and seven figures over the next 20 years.
Safe-harbor rules, IRMAA brackets, the widow's trap, and the SECURE Act 10-year rule for your heirs — what to watch for before you click 'convert.'
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 training 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 training 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 training 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.
Tuesday, November 10th at 2:00 PM EST · Free · ~60 minutes with CFP®s answering questions in live chat
By registering, you agree to receive standard SMS/email reminders regarding your webinar and associated materials. Message & data rates may apply.
We walk through the exact math behind Roth conversion taxes — what triggers them, how to calculate them, and the strategy we use to minimize the hit.
You'll leave with a clear framework whether or not you ever talk to us.
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.
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.
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.
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.
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.
Great — you're ahead of most. The question this training 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.
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.
Three videos we recommend watching before the session.
"What changes in 2026 — and why doing nothing quietly costs you the most."
"The framework large IRA owners use to legally shrink a lifetime tax bill."
"Why most CPAs miss the multi-year tax math that makes Roth conversions a clear win."
Tuesday, November 10th at 2:00 PM EST
Live online webinar. 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.
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.
You'll get an instant confirmation email with the access link. We'll text you a reminder the day before and 30 minutes prior.