The largest tax event of your retirement is already scheduled.

Run the numbers you’ve probably been avoiding. See your projected distributions, lifetime federal tax exposure, and what your heirs actually inherit.

Run My Numbers What this actually shows you

Step 1

Get your personalized RMD schedule and lifetime tax projection.

Enter your numbers below. We’ll email a PDF with your full projection, year by year, through age 90.

Beyond the formula

The three tax traps RMD calculators don’t show you.

The numbers above tell you what the IRS requires. They don’t tell you what it costs you, your spouse, or your heirs over the next 20 to 30 years. Those are different questions, and they’re the ones that drive the decision to convert.

Bracket creep

Do you know what your marginal bracket looks like at 82?

RMDs grow every year, not because your portfolio does, but because the IRS divisor shrinks as you age. Most high-balance retirees end up in a higher bracket in their 80s than the year they retired. That extra income also decides how much of your Social Security gets taxed and whether you pay Medicare IRMAA surcharges on top.

The widow's tax trap

What does your spouse's tax situation look like if something happens to you?

The surviving spouse files single the following year. Same household income, single-filer brackets, IRMAA thresholds cut in half. Most couples never model this. When they do, it's usually the number that makes them act.

The 10-year heir compression

What does your kids' tax bill look like when they inherit this?

Under the SECURE Act, most non-spouse beneficiaries have to drain the inherited IRA within 10 years. That forces distributions into your kids' highest-earning decade at their peak marginal rate. A $2M inherited IRA can lose 30 to 40 percent to federal income tax alone, before any state tax.

Run My Numbers

Who built this

Q3 Advisors doesn’t sell products. We plan Roth conversions.

Most advisors are paid on what they manage or what they sell. That creates an obvious conflict for a strategy whose whole point is to spend down the account. Q3 was built so our compensation has nothing to do with what you do next.

Flat fee. No AUM. No products.

We don't manage your money. We don't sell annuities, insurance, or anything else. You pay a fixed fee to have your conversion strategy modeled and recommended. That's the entire transaction.

One specialization.

Every client is a high-balance pretax IRA holder planning distributions. Roth conversion sequencing is what we do, and it's all we do. Our founder, Craig Wear, wrote the book on it.

$500K lifetime tax savings guarantee.

If our written recommendations don't project at least $500,000 in combined lifetime tax avoidance for you and your heirs, we refund the full fee. Details in the footer.

Fiduciary. SEC-registered.

Q3 Advisors, LLC is registered with the U.S. Securities and Exchange Commission. We're legally required to act in your interest. We think that should be the floor, not a selling point.

The next move

See what your RMDs actually cost you.

Your projected distributions, lifetime federal tax exposure, and what your heirs inherit under the SECURE Act 10-year rule. Personalized to your numbers.