❓Find out the impact of RMDs on your retirement: https://q3.link/rmd-calculator Most IRA millionaires believe their biggest retirement risk is market volatility. In reality, it’s taxes. In this video, I explain why retirement tax problems don’t arrive gradually—they arrive as shocks. Required minimum distributions, Medicare surcharges, Social Security taxation, and inherited…
❓Find out the impact of RMDs on your retirement: https://q3.link/rmd-calculator How much of your retirement savings truly belongs to you after the IRS takes its share? 🤔 This episode challenges you to look beyond your statement balance, focusing on the real impact of future "taxes" on your "ira" and overall…
❓Find out the impact of RMDs on your retirement: https://q3.link/rmd-calculator For over 42 years, I’ve watched business owners repeat the same mistake: trying to “save taxes” by maximizing pre-tax contributions—only to unknowingly build a massive tax problem for their future selves. Year after year, CPAs say the same thing: “Max…
❓Find out the impact of RMDs on your retirement: https://q3.link/rmd-calculator In this episode, Craig Wear and Stephen Avery discuss the unique role of Rothologists in helping clients navigate the complexities of Roth conversions. They emphasize the importance of creating a trusting environment, addressing client concerns, and collaborating with existing financial…
❓Find out the impact of RMDs on your retirement: https://q3.link/rmd-calculator Why IRA Millionaires Need PERSONALIZED Roth Conversion Plans Most Roth conversion advice is generic—and that can silently cost you a fortune. In this video I explain why one-size-fits-all guidance (from well-meaning CPAs, advisors, or AI) often misses the lifetime tax…
A Roth 401(k) flips the game. Pay taxes once, never again. When rates rise, your income stays untouchable. That’s not luck. That’s planning.
Opening a Roth isn’t enough. If you never invest inside it, your money just sits. No growth. No compounding. No future. The account isn’t the strategy. You are.
Private equity, crypto, hedge funds, now inside your 401(k). The door to elite investments just opened. Used right, it’s diversification. Used wrong, it’s disaster.
You have until 2028 to act. Tax rates are at historic lows, but not for long. Convert now and pay once or wait and pay forever. The window won’t open again.
Most people hate 401(k)s because the money feels locked up. What they miss is the employer match, free money no one else gives you. Add a Roth conversion later, and you’ve built a tax-free engine for life.
❓Find out the impact of RMDs on your retirement: https://q3.link/rmd-calculator In this episode of What's Next in Retirement, I sit down with Derrick DeHays—our own “Captain” and one of the Rothologists here at Q3 Advisors. He’s often the very first point of contact for families exploring whether Rothology is the…
The new senior tax deduction looks like a win, until it isn’t. Convert too much to a Roth, and the deduction disappears. You save pennies now but lose thousands later. Strategy beats shortcuts. Every time.
The worst decision isn’t debt or bad spending. It’s waiting. Every year you delay a Roth, you delete decades of tax-free compounding. You don’t get that time back. The cost of inaction is the most expensive mistake of all.
Every dollar inside a Roth grows untaxed, forever. No RMDs. No future tax surprises. No silent IRS partner. The earlier you start, the harder it compounds. That’s why the Roth isn’t just an account. It’s a time machine for your wealth.
Most people pick an IRA without knowing what they’re signing up for. Traditional defers taxes. Roth eliminates them. One bets on lower taxes later. The other removes the bet completely. In a world where rates can only rise, certainty wins.
Everyone loves the idea of tax-free growth. Until they pull money too soon and get hit with penalties. The Roth IRA Five-Year Rule decides when your money is truly yours. Miss it and you pay for your own impatience. Know it and you unlock the real power of the Roth.
The Secure Act ended the stretch IRA. Now heirs must drain inherited accounts in 10 years. Old estate plans no longer work, they magnify taxes. Roth conversions are the fix. Update the plan, or your heirs inherit a tax bomb, not a legacy.
Watch the webinar - https://info.craigwear.com/joinwebinar ❓Find out the impact of RMDs on your retirement: https://q3.link/rmd-calculator In this episode, I walk you through how you can lower your Roth conversion tax bill while giving to the causes you love. I’ll share a story about one of my clients who used a…
Your estate plan protects assets, but it doesn’t erase tax problems. A trust can control when heirs get money, but not how much the IRS takes. Coordinating Roth conversions with your estate plan changes that. It turns taxable inheritance into tax-free legacy. Protection and efficiency, both or neither.
In tax planning, fortune doesn’t favor the patient, it favors the bold. You can wait and hope, or act and lock in tax-free growth for life. We’re in the lowest tax rates in 40 years, and they won’t last. Don’t let procrastination become your legacy. Convert while you still control…
Most people convert too little, too late, for the wrong reasons. Convert more than feels comfortable. Do it sooner than you think. And stop chasing tax savings, focus on building higher after-tax net worth. Roth conversions aren’t about lowering taxes this year. They’re about owning your future.
The new GOP law didn’t kill Roth conversions. It made them urgent. Rates rise again after 2028, this window may never reopen.
Waiting to convert costs you more than taxes. RMDs shrink your window and raise your Medicare and Social Security taxes. Convert early, control your income before the IRS does.
The 2025 limits are out. $7,000 for Roth IRAs - $23,500 for 401(k)s. If you earn too much, the backdoor Roth is still your way in.
