Q3 Advisors is a fee-only financial planning firm specializing in retirement planning, tax strategy, and specialized programs like Roth conversions. Q3 Advisors does not manage investment portfolios or directly handle client accounts, focusing instead on comprehensive financial planning, module-based advice, and ongoing planning support. The firm offers distinct programs including Rothology, comprehensive financial planning, module-based planning, and an ongoing service called the Integration Experience. Q3 Advisors operates independently and does not sell insurance products or receive commissions from the sale of securities.
Fee Structure
Q3 Advisors offers ongoing financial planning through the "Integration Experience" and multi-year comprehensive planning agreements:
- Integration Experience — Initial startup fee of $1,500 followed by an ongoing quarterly fee of $1,250 billed in advance, with an initial 12-month term.
- Comprehensive Financial Planning — Annual fee ranging between $5,500 and $15,000. This includes an initial development fee of $3,500 to $6,000 for the first 30 days, with the remaining balance billed quarterly in arrears.
- Rothology — $11,000 for a 90-day program analyzing financial plans and integrating Roth conversion strategies.
- Rothology Legacy — $8,100 for clients already taking retirement account distributions or with fewer retirement assets.
- A la carte module-based planning — $1,000 client set-up fee, with each planning module costing $2,000 (or $1,500 for each additional module purchased at the same time).