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It does not manage client investment accounts on either a discretionary or non-discretionary basis. ",[41],{"type":29,"attrs":42},{"color":31},{"type":35,"attrs":44,"content":45},{"textAlign":22},[46],{"text":47,"type":26,"marks":48},"Its service is primarily for people nearing or in retirement who want help with modeling Roth conversions, retirement taxes, income timing, estate impact, and related planning decisions.",[49],{"type":29,"attrs":50},{"color":31},{"type":35,"attrs":52,"content":53},{"textAlign":22},[54],{"text":55,"type":26,"marks":56},"Q3 Advisors was formed in May 2016, became registered as an investment adviser in June 2016, and registered with the SEC in January 2024. 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it does not create investment strategies, analyze specific securities portfolios or holdings, or provide advice on specific securities products.",[165],{"type":29,"attrs":166},{"color":31},{"type":19,"attrs":168,"content":169},{"level":21,"textAlign":22},[170],{"text":171,"type":26,"marks":172},"What are the pros and cons of Q3 Advisors?",[173,175],{"type":29,"attrs":174},{"color":31},{"type":33},{"type":35,"attrs":177,"content":178},{"textAlign":22},[179],{"text":180,"type":26,"marks":181},"Here is a look at the pros and cons of Q3 Advisors.",[182],{"type":29,"attrs":183},{"color":31},{"type":35,"attrs":185,"content":186},{"textAlign":22},[187],{"text":188,"type":26,"marks":189},"Pros of Q3 Advisors:",[190],{"type":29,"attrs":191},{"color":31},{"type":76,"content":193},[194,210,226],{"type":79,"content":195},[196],{"type":35,"attrs":197,"content":198},{"textAlign":22},[199,205],{"text":200,"type":26,"marks":201},"Roth conversion specialization: ",[202,204],{"type":29,"attrs":203},{"color":31},{"type":33},{"text":206,"type":26,"marks":207},"Rothology provides multi-year Roth conversion scenarios, projected taxes, potential Medicare premium impact, and tax-adjusted net worth projections.",[208],{"type":29,"attrs":209},{"color":31},{"type":79,"content":211},[212],{"type":35,"attrs":213,"content":214},{"textAlign":22},[215,221],{"text":216,"type":26,"marks":217},"Comprehensive financial planning coverage: ",[218,220],{"type":29,"attrs":219},{"color":31},{"type":33},{"text":222,"type":26,"marks":223},"Q3’s planning service covers investment analysis, financial goals, cash flow, estate planning, college savings, employee benefits, insurance/risk management, retirement planning, and tax planning strategies.",[224],{"type":29,"attrs":225},{"color":31},{"type":79,"content":227},[228],{"type":35,"attrs":229,"content":230},{"textAlign":22},[231,237],{"text":232,"type":26,"marks":233},"Retirement and tax planning are closely connected: ",[234,236],{"type":29,"attrs":235},{"color":31},{"type":33},{"text":238,"type":26,"marks":239},"Q3 evaluates retirement projections, Social Security use, distribution strategies, tax liability, and account-type decisions as part of the plan, which is useful for clients whose Roth conversion decision affects several aspects of retirement planning.",[240],{"type":29,"attrs":241},{"color":31},{"type":35,"attrs":243,"content":244},{"textAlign":22},[245],{"text":246,"type":26,"marks":247},"Cons of Q3 Advisors:",[248],{"type":29,"attrs":249},{"color":31},{"type":76,"content":251},[252,268,284],{"type":79,"content":253},[254],{"type":35,"attrs":255,"content":256},{"textAlign":22},[257,263],{"text":258,"type":26,"marks":259},"High planning fees",[260,262],{"type":29,"attrs":261},{"color":31},{"type":33},{"text":264,"type":26,"marks":265},": Rothology costs $11,000, Rothology Legacy costs $8,100, and comprehensive financial planning costs $5,500 to $15,000 for the first year.",[266],{"type":29,"attrs":267},{"color":31},{"type":79,"content":269},[270],{"type":35,"attrs":271,"content":272},{"textAlign":22},[273,279],{"text":274,"type":26,"marks":275},"No specific securities advice:",[276,278],{"type":29,"attrs":277},{"color":31},{"type":33},{"text":280,"type":26,"marks":281}," Q3 does not create investment strategies, analyze securities portfolios or holdings, or advise on specific securities products. 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