Roth Conversion Reset – Q3 Advisors

— The Roth Conversion Opportunity —

The Tax Cut Window: How IRA Millionaires Can Save Millions Before It Closes

Seize the Extended Tax Cuts: A Strategic Guide for IRA Millionaires to Maximize Savings Before Potential Policy Shifts

Your Second Chance at Tax Freedom: How to Lock in Historic Savings Before the Window Closes

My mission with this book is simple: to shed light on a rare and fleeting tax opportunity that may be extended—but only for a limited time.

With the potential renewal of current tax policies, IRA Millionaires have a second chance to reset their retirement strategy and lock in historically low tax rates before future policy changes shut the door. But too many people hesitate—held back by outdated beliefs and fear of paying taxes today—fear that could ultimately cost them millions in unnecessary taxes over their lifetime.

I wrote The Roth Reset to cut through the confusion, challenge conventional wisdom, and help you take action while this window is still open. This isn’t about speculation—it’s about math. The tax code is written in a way that gives you a limited ability to control how much you pay, and when. But only if you act in time.

This book will give you the clarity, confidence, and strategy to take control of your financial future before this opportunity passes. Waiting could mean handing over a massive portion of your hard-earned wealth to the IRS—simply because you didn’t take action while you still had the chance.

"Craig Wear does a Yeoman’s job of clearly comparing the different tax ramifications of Traditional vs. Roth IRA retirement plans. One would be wise to implement his strategies if long term retirement nest egg growth, Medicare premium reduction is one’s goal. Craig will show you how to accomplish this."

"Love the book and the information Craig shares about saving taxes by converting the traditional IRA to a Roth. All of the pros and cons are clearly explained. Certainly worth a read if you want to save paying thousands to the government."

From the desk of Craig Wear, CFP®
Thursday, February 13th, 2025

Dear Friend,

If you’d like to reduce your tax burden, turn your IRA into a tax-free retirement income stream…

AND have more of your wealth working for you…

not the IRS…

then, this is the most important book you’ll ever read.

And by the way,

Yes! This Book Costs Only $3.95!

But before I tell you more about it, let me make something perfectly clear:

This isn’t one of those overpriced financial guides filled with fluff or outdated advice.

Here’s the deal:

What you’re getting has been proven to work, and it’s the exact approach I’ve used to help my clients avoid an estimated $2 billion in taxes (yes with a B) over the past few years alone with a PROPERLY EXECUTED Roth Conversion.

Just in the past 12 months, I’ve helped families save an average of $3.2 million each in unnecessary taxes by applying the strategies shared in this book.

These are real results:

These savings come from detailed, customized Roth conversion strategies that work for real people…

IRA Millionaires…who are serious about optimizing their retirement savings.

So don’t worry…

you’re not going to get pitched generic advice, outdated theories, or cookie-cutter plans here.

Instead, these are real, measurable results, representing dollars families would have lost to taxes but were able to keep…

money they can now use to enjoy retirement or leave as a legacy.

But let me be clear: I’m not suggesting that everyone who reads this book will save $3.2 million, or even anything close to that.

Your results will depend on your financial situation, your willingness to take action, and the steps you implement after reading.

Also, we’re living in a unique and fleeting window of opportunity.

Right now, the tax cuts passed in 2017 have created one of the most favorable tax environments in decades.

If you’ve been thinking about taking steps to protect your retirement and minimize taxes, there’s no better time.

Because here's the hard truth...

The current Tax Cuts and Jobs Act (TCJA) tax rates are set to expire at the end of 2025. If no action is taken, tax brackets will automatically reset to pre-2017 levels, increasing taxes for many Americans—especially those with significant retirement savings.

There’s now serious momentum behind extending these tax cuts, giving IRA Millionaires a second chance to take advantage of today’s lower rates. But history shows that any extension is temporary at best.

Why?

Because tax policy shifts over time, and what’s available today won’t last forever. Future administrations and Congress will eventually adjust tax rates, often increasing them to meet budget needs and revenue shortfalls.

We’ve already seen proposals to raise tax rates on corporations and high-income households, and it’s likely that these conversations will continue. While we don’t know exactly when tax rates will change, history tells us they will.

That’s why the smartest investors and retirees are taking action now—locking in today’s lower tax rates before the pendulum swings back.

If you have a significant IRA balance, this may be your best chance to convert at lower tax rates and secure tax-free wealth for the future. The key is acting while this window remains open.

For now, the recent election has bought you some time... but make no mistake...

This won’t last forever.

We’ve dodged a bullet under the current tax structure, but eventually, the pendulum will swing back, and the rules of the game will change…

AGAIN…

likely to your disadvantage.

That means waiting isn’t just risky…

it is very likely to cost you millions.

So with that understood, let me tell you…

The Hidden Tax Trap That Could Cost You Millions

Most people assume they should wait until retirement to start thinking about taxes.

That’s a costly mistake.

The reality is, if you delay tax planning, you could unintentionally hand over millions to the IRS. The good news? The likely extension of the TCJA gives you a second chance to act—before it’s too late.

Inside Roth Conversion Reset, you’ll discover:

✔ Why waiting until RMDs kick in could DOUBLE your tax bill.
Delaying Roth conversions can force you into higher tax brackets, increase Medicare premiums, and make up to 85% of your Social Security taxable.

✔ The easiest way to reduce lifetime taxes and grow your wealth.
Forget traditional financial advice. The right tax strategy can slash your lifetime tax burden while maximizing your net worth.

✔ 7 key strategies to protect your retirement from hidden tax traps.
One of the biggest mistakes IRA Millionaires make? Misunderstanding tax timing. Get all 7 essential tax-saving strategies on page 17.

Plus, I’ll reveal:

✔ The WORST time to begin a Roth conversion.
Starting at the wrong time could mean paying thousands more in taxes. Learn how to time your conversions strategically for maximum tax savings.

✔ Why you should NEVER let RMDs dictate your tax strategy.
Most people wait too long and get hit with massive, forced withdrawals that skyrocket their tax bill. This book shows you how to stay in control and avoid this trap.

✔ How to structure conversions to minimize taxes and maximize tax-free growth.
A step-by-step framework to ensure your converted dollars grow tax-free, while protecting your Social Security and Medicare benefits.

✔ The REAL way to keep more of your retirement savings.
Traditional financial advice is dead wrong about Roth conversions. This book reveals real-world strategies to cut your tax bill and secure a tax-free future for you and your heirs.

✔ The fastest way to make the IRS take less of your money.
Learn why timing is everything when it comes to Roth conversions—and exactly how to structure yours for the biggest possible tax savings.

The bottom line?

✔ If you don’t take action now, you could end up paying far more in taxes than necessary.
✔ But if you act strategically, you could save millions.

The window is closing—don’t wait until it’s too late.

Here's What To Do Next

Like I said, the book is just $3.95.

I’ll deliver a full-color PDF directly to your inbox so you can start learning immediately.

As soon as you request it, you’ll receive the book within minutes…

no waiting for shipping or delays.

And in case you’re wondering…

THERE IS NO CATCH!

I know there are plenty of offers out there that look great, but then they hit you with hidden fees, subscriptions, or programs that charge your card every month.

This isn’t one of them.

There’s absolutely NO hidden program, recurring charges, or anything remotely like that.

I’m giving you this book for just $3.95 as a way of showing you the kind of real, actionable value you can expect when you work with me.

My hope is that you’ll love it and that it will be the start of a great relationship for years to come.

But with all that said, there is ONE thing to keep in mind:

Time Is Of The Essence

Here’s why:

Right now, IRA Millionaires have a rare second chance to take full advantage of Roth conversions before tax laws shift—but that window is closing fast.

With the potential extension of the Tax Cuts and Jobs Act (TCJA), you have a limited opportunity to lock in historically low tax rates before the next administration potentially rolls back key Roth conversion benefits.

Here’s what’s at stake:

✔ The current tax cuts are set to expire in just a few years.
If they aren’t extended, tax rates will automatically rise, significantly increasing the cost of conversions for high-net-worth individuals.

✔ Future administrations could restrict or eliminate Roth conversion benefits.
Congress has already attempted to limit backdoor Roth strategies. If you wait too long, you could lose access to tax-saving opportunities altogether.

✔ Every month you delay could mean tens of thousands—or even millions—lost to unnecessary taxes.
The longer you hold off, the more your tax-deferred IRA grows, leading to larger RMDs, higher tax brackets, and more income lost to the IRS.

This window won’t stay open forever.

The smartest IRA Millionaires are taking action now to lock in these benefits while they still can.

Waiting isn’t just a mistake—it’s a multi-million-dollar miscalculation.

Thanks for taking the time to read this letter—I look forward to helping you navigate this historic tax opportunity.

Craig Wear, CFP®

P.S. If you’re the type who skips to the end, here’s the deal:

I’m sending you a full-color PDF of Roth Conversion Reset—a step-by-step guide outlining the exact Roth conversion strategies that have helped IRA Millionaires:

✔ Avoid an average of $3.2 million in unnecessary taxes
✔ Save an average of $80,000 in Medicare surcharges
✔ Take full advantage of the current tax window before it closes

And here’s the best part—you get the book for just $3.95.

I’ve also included exclusive insights that will walk you through the smartest ways to maximize your tax savings, secure your wealth, and leave a tax-free legacy for your heirs.

This is a straightforward, proven approach that’s already working for others just like you. Don’t miss your chance to take advantage of today’s historic tax conditions.

Craig Wear, CFP®
Founder & CEO, Q3 Advisors

Why Tax Law Changes Make Roth Conversions More Urgent Than Ever

Tax rates have never been set in stone. If history teaches us anything, it’s that tax laws shift—and usually not in your favor.

1773: Americans protested taxation at the Boston Tea Party.
1913: The 16th Amendment paved the way for federal income tax.
1940s: WWII-era aggressive taxation led to some of the highest tax rates in history.
1981 & 2001: Tax cuts lowered rates, but only temporarily.
2017: The Tax Cuts and Jobs Act (TCJA) slashed rates—but it expires in 2025.

And that’s the problem. Current tax rates are historically low, but they won’t stay that way. When TCJA sunsets, rates could revert back—potentially costing IRA millionaires thousands (or even millions) in extra taxes.

What This Means for You

If your IRA is over $1 million, waiting to convert could be a six- or seven-figure mistake. The IRS is ready to take its share—unless you act now.

Will taxes go up? Almost certainly.
Will you still have time to convert? Yes—but only until 2025.
What’s at stake? Potentially millions in lost tax savings.

Take Control Before Tax Rates Change Again

History tells us tax rates fluctuate. The smart move? Convert now while they’re still at historic lows.

Learn how to protect your wealth in “Roth Conversion Secrets.”
Discover the five biggest tax mistakes and how to avoid them.
Start your Roth strategy before it’s too late.

A Few of the Pro-Tips Included

Here's What You'll Learn in the Book

Pro-Tip #1

The Roth Conversion Window Has Been Reset—But Not Forever

With the likely extension of the Tax Cuts and Jobs Act (TCJA), IRA Millionaires have a rare second chance to lock in historically low tax rates. But this window won’t stay open forever. Future administrations could roll back conversion benefits, making now the best time to act before tax rates inevitably rise.

Pro-Tip #2

Your IRA is a Ticking Tax Bomb—And RMDs Are the Detonator

Delaying Roth conversions can turn your tax-deferred IRA into a future tax disaster. Once Required Minimum Distributions (RMDs) begin, they can force you into higher tax brackets, increase your Medicare premiums, and make up to 85% of your Social Security taxable. Strategic Roth conversions can help diffuse this tax bomb before it explodes.

Pro-Tip #3

The Optimal Roth Conversion Plan Isn’t Just About Staying in Your Current Tax Bracket

Many financial advisors will tell you to “convert only up to the top of your tax bracket.” But for IRA Millionaires, this outdated advice could cost you millions. The best strategy isn’t about avoiding taxes today—it’s about minimizing your lifetime tax burden. Accelerating conversions—even at higher tax rates—often results in significantly greater long-term savings.

Pro-Tip #4

Roth Conversions Can Be the Best Legacy Plan for Your Heirs

The SECURE Act’s 10-year rule forces most non-spouse beneficiaries to empty inherited IRAs within a decade, creating massive tax liabilities for your heirs. Converting to a Roth now ensures your loved ones inherit tax-free wealth, rather than a tax bill that could push them into higher brackets.

Pro-Tip #5

Integrating Charitable Giving with Your Roth Conversion Strategy Can Save You Tens of Thousands in Taxes

If you’re charitably inclined, combining Donor-Advised Funds (DAFs) or Qualified Charitable Distributions (QCDs) with Roth conversions can create huge tax savings. These strategies allow you to offset conversion taxes while supporting causes you care about—maximizing both your financial impact and your legacy.

Pro-Tip #6

How to Transition Your Investment Portfolio Strategically During Roth Conversions to Maximize Tax-Free Growth

Not all investments should be converted equally. Growth-oriented assets should be moved into your Roth first to maximize long-term, tax-free compounding. Meanwhile, lower-growth assets can remain in tax-deferred accounts longer. Proper portfolio transition planning ensures you get the most out of your Roth conversions while minimizing unnecessary taxes.

Meet The Author

Craig Wear, CFP®

Founder & CEO, Q3 Advisors

Craig Wear, CFP®, is a nationally recognized expert in strategic Roth conversions and tax-efficient retirement planning. With over thirty years of experience as a financial advisor, Craig has helped thousands of high-net-worth individuals uncover hidden tax pitfalls and implement proven strategies to minimize their lifetime tax burden.

After selling his successful financial planning practice, Craig dedicated his career to educating IRA millionaires on how to optimize their retirement wealth. He is the author of multiple books, including Roth Conversion Secrets: The 5 Biggest Mistakes IRA Millionaires Make, where he exposes the critical missteps that cost retirees millions in unnecessary taxes.

Through his company, Q3 Advisors, Craig and his team of CFP® professionals have helped clients project over $2.5 billion in tax savings by implementing customized Roth conversion strategies. Unlike most financial firms, Q3 Advisors doesn’t sell financial products or manage assets—their only focus is helping you keep more of what you’ve worked so hard to save.

Craig’s insights have been featured in national publications, and his work is trusted by retirees seeking clear, unbiased, and actionable advice. His message is simple: “You don’t have to be at the mercy of rising tax rates—if you take control now, you can transform your financial future.”

If you have $1M+ in pre-tax retirement accounts, Craig’s expertise can help you make smarter tax decisions—before the IRS takes its cut.

Why Roth Conversion Secrets?

Frequently Asked Questions

Who is this book for?

This book is for IRA Millionaires—individuals with $1 million or more in pre-tax retirement accounts—who want to reduce their tax burden, maximize their retirement income, and leave a tax-free legacy for their heirs. If you’re serious about keeping more of your hard-earned money and avoiding unnecessary taxes, this book is for you.

What makes this book different from other financial guides?

Most financial books are filled with generalized advice and outdated strategies that don’t apply to high-net-worth individuals. Roth Conversion Secrets is a step-by-step, actionable guide based on real-life strategies that have saved IRA Millionaires an average of $3.2 million each in unnecessary taxes. There’s no fluff—just proven, practical steps you can implement right away.

Why is this book only $3.95? What’s the catch?

There is no catch—I’m offering this book at a low price because I believe in providing real value first. Unlike many financial programs that try to upsell you into expensive coaching or subscriptions, this book stands on its own. You pay only $3.95, and that’s it.

Why should I act now? Can’t I just wait until retirement?

Waiting could cost you millions. The Tax Cuts and Jobs Act (TCJA) is set to expire in 2025, meaning tax rates will likely increase significantly. Even if the current administration extends these cuts, history shows that tax policy always shifts—and it rarely benefits high earners. Taking action now while tax rates are historically low is the smartest financial move you can make.

Will this book apply to me if I’m already retired?

Absolutely. Many of the strategies in this book are designed to help retirees reduce Required Minimum Distributions (RMDs), lower Medicare surcharges, and avoid excessive taxation on their savings. Even if you’ve already started taking RMDs, there are still major tax-saving opportunities you can implement.

What if I don’t have $1 million in my IRA?

If your retirement savings are below $1 million, the strategies in this book may not provide the same level of impact. However, if you’re on track to cross the seven-figure threshold or have other taxable assets, the book will help you develop a proactive plan to reduce lifetime taxes and grow your wealth.

Will a Roth conversion increase my Medicare premiums?

Possibly—but only temporarily. One of the biggest mistakes people make is avoiding Roth conversions to stay under the Medicare surcharge threshold, only to pay far more in taxes later. The book explains why short-term Medicare surcharges are often worth it to secure long-term tax savings in the millions.

How long does it take to read this book?

At just 104 pages, this book is designed to be a quick, yet powerful read. You can finish it in one afternoon and walk away with clear, actionable strategies that could save you millions.

What if I read the book and don’t find it valuable?

No problem! I offer a 100% money-back guarantee—if you don’t love the book, I’ll refund your $3.95 and you can keep the book anyway. That’s how confident I am that this information will change the way you approach retirement planning.

How do I get my copy?

Simply click the button below, and I’ll send you the full-color PDF instantly. No waiting for shipping—just instant access to tax-saving strategies that you can start applying today.