Registration Confirmed

You're in. Your seat is confirmed.

You just registered for 'How to Pay Taxes on Roth Conversions' — check your email for your access link.

Craig Wear, CFP® — Founder, Q3 Advisors

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

Over 1,800 families served.

Free Gift

We want this training to be relevant to your situation.

Tell us a little about where you are with Roth conversions and we'll send you a free copy of our international best-seller Paying the Piper — with a specific chapter recommendation based on your answers.

Paying the Piper — 7 Tax Traps Hidden in Your 401K & IRA, by Craig Wear, CFP®

We tailor what we cover based on who's in the room.

60 seconds
Free book emailed instantly
Session tailored to you

Short on time? . We'll email you the book before the training.

People 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 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.

Read this before the training. It will change what you hear.

Paying the Piper exposes the 7 tax traps hidden inside your 401(k) and IRA — the ones we'll be solving during the live session.

It takes about 45 minutes to read. People who read it first consistently tell us the training made 10x more sense because they already understood what they were up against.

Answer 5 quick questions about your situation and we'll email you a free copy with a chapter recommendation based on your answers.

5-Question Routing Survey

Answer a few quick questions so we can tailor your training experience.

While you wait for the book — here's what everyone wants to know before the training.

What is the training about?

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.

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 the Q&A happens and you can ask about your specific situation.

A replay will be available for a limited time if you can't make it, but it won't include the live Q&A.

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 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.

How long will it be?

Plan on about 60 minutes including Q&A.

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

Want to go deeper before the training?

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 →

Your Training Details

Date & Time

Tuesday, July 14th at 2:00 PM EST

How to join

Check your email for the access link. We'll text you a reminder the day before and 30 minutes prior.

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.

Can't make it live?

A replay will be available for a limited time. The live session includes a Q&A where you can ask about your specific situation — the replay won't have that.