Q3 Advisors offers financial planning services, including Roth conversion analysis (Rothology and Rothology Legacy), comprehensive financial planning, module-based planning, and ongoing financial planning support (Integration Experience). Q3 Advisors does not offer investment management services. The firm focuses on tax planning, retirement planning, estate planning, college savings, employee benefits optimization, and insurance/risk management.
Fee Structure
Q3 Advisors offers an ongoing financial planning service called the "Integration Experience." This includes continued planning support, education, and coordination across multiple financial planning areas. The fee is a one-time startup fee of $1,500 (which may be waived) and an ongoing quarterly fee of $1,250, billed in advance. The initial term is 12 months.
- Rothology: $11,000 for analyzing current financial plans and integrating Roth conversions into projected financial and retirement plans, creating Roth conversion scenarios, and presenting a detailed schedule of estimated distributions, conversions, and tax liabilities.
- Rothology Legacy: $8,100 for the same services as Rothology, but geared towards clients already taking distributions or with fewer retirement assets.
- Comprehensive Financial Planning: Between $5,500 and $15,000 per year. $3,500 - $6,000 is for the initial development work, client onboarding, data gathering and input, and creating and developing the financial plan. The remaining balance is billed quarterly, in arrears.
- A la Carte (Module-Based) Financial Planning: $1,000 client set-up fee, plus $2,000 for the first module and $1,500 for each additional module purchased at the same time.