Comprehensive Financial Planning
How do you receive truly objective financial advice?
By working with a firm that doesn’t earn commissions or ongoing portfolio fees.
Q3 Advisors helps you become crystal clear on your goals, recognize any short term blindspots, focus on the future, and develop a customized game plan.
A great game plan puts all the pieces of your financial puzzle in focus and makes it simple to implement.
We are fee-only fiduciary financial planning consultants which means we:
- Always act in good faith
- Do not accept any referral fees, commissions, or asset management fees
- Charge our clients a ‘flat fee’ for an annual engagement
- Disclose conflicts of interest if they arise
What are the pieces of your puzzle that may keep you up at night?
Retirement Questions
Investment Strategy & Performance
Taxes
Saving for College
Insurance Needs (or excess)
Estate Planning
Our Services
Cash Flow/ Tax & Retirement Advice
Investment Analysis
Risk Management
Estate Planning Counsel/Design
Our Planning Services:
The fees for these services vary, but are broken down into two elements:
Client Setup Fee:
- This initiates your analysis and integrates you into our system.
- This fee currently ranges from $4,000 to $6,000.
- Clients who have already been through our Roth Conversion services recently, and whose situations have not dramatically changed since, will likely have this fee waved.
Monthly Planning Fee:
- Once an analysis is complete, you begin working with your advisor on the issues that are the most significant
- You’ll have a quarterly schedule that details the areas you’ll work on based on what’s most important to you, and those that the advisor knows are also the issues that are the most crucial for you to tackle.
- Fees for planning services range from $250 per month to $2,000+ per month. Fees are paid in arrears on a monthly basis.
What’s in it for you?
Validate
Am I on the right track?
Idea Creation
What should I do differently?
Advocate
Who will be my unbiased advocate for the future?
Legacy Proponent
Who will my spouse and heirs turn to?
Income, Expense & Tax Planning
| Essential | Essential+ | Signature | Signature+ | Elite | |
|---|---|---|---|---|---|
| Debt Reduction Strategy | |||||
| College Expense Planning | |||||
| Company Retirement Plan Participation | |||||
| Cash Flow Projections | |||||
| Retirement Projections | |||||
| Income Tax Planning | |||||
| Charitable Giving Strategy | |||||
| Social Security Strategy | |||||
| Pension Decision Assistance | |||||
| Retirement Income Planning | |||||
| Timing of Retirement Date | |||||
| Inheritance, Business Sale, etc Issues | Minimal | Medium | Medium | Significant | |
| Corporate Compensation Evaluation | Minimal | Average | Average | Significant | |
| Selection of Small Business Retirement Plans | Start-up | Established | Established | Well Established | |
| Healthcare Planning - Pre Medicare | Minimal | Average | Average | Average |
Investments Analysis
Our role is to provide guidance – and ideas – that are not just the typical ‘institutional’ investment mantra.
| Essential | Essential+ | Signature | Signature+ | Elite | |
|---|---|---|---|---|---|
| Asset class allocation | |||||
| Specific advice for current employment retirement plan only | Once | ||||
| Specific advice for multiple retirement accounts | 1 - 2 Accounts | 1 - 2 Accounts | 2+ Large Accounts | 2+ Large Accounts | |
| Specific advice for multiple retirement and taxable accounts | 1 - 2 Accounts | 2+ Accounts | 2+ Large Accounts | 2+ Large Accounts | |
| Guidance on variable annuities | One | 2+ | 2+ |
Insurance Evaluation Services
Although, we never sell insurance products, we can easily provide objective input regarding your true needs.
| Essential | Essential+ | Signature | Signature+ | Elite | |
|---|---|---|---|---|---|
| General advice on types and amounts of life insurance | |||||
| Specific advice on types and amounts of life insurance | |||||
| Disability, and long-term care advice | |||||
| Specific advice on existing life insurance policies | |||||
| Long-term care cash flow analysis |
Estate Plan Assistance
We like to get our clients ‘ready’ for the estate planning attorney conversation. We are not attorneys but we can help lay out a basic blueprint that is coordinated with the rest of your total plan.
| Essential | Essential+ | Signature | Signature+ | Elite | |
|---|---|---|---|---|---|
| Basic estate planning advice | |||||
| Estate design | |||||
| Review of existing documents | |||||
| Charitable estate planning | |||||
| Estate settlement advice | |||||
| Irrevocable trusts evaluation |
Ongoing Support
A great plan is never finished. Most clients continue to engage our services for regular review meetings and to answer questions as they arise or life circumstances change.
Our low monthly fee pricing model after the first year of working together ensures that you’re never ‘on the clock’ and provides a great value to make sure you are always on the best path to achieve your goals.
