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Sample Deliverable · 01 / 08
A Sample Plan · For Illustration

What an engineered plan actually looks like.

A real plan, with real numbers, built for one real client. An illustration of how we work.

A complete Escape Plan™ runs every meaningful scenario before a single recommendation is made. Baseline projections, conversion strategies, Medicare impact, and the cost of delay — all modeled with your numbers, documented in writing.

What's Inside
02Client Profile & Assumptions
03Baseline — No Conversion
04Strategy: Current Bracket
05Strategy: Optimal Bracket
06Medicare Impact
07Cost of Waiting
08Net Worth Implications
Pure fiduciary advice No products No AUM fees $500,000 written refund offer
· Sample Plan
02 / 08
Section 01
01 / 07

Client Profile — the starting point.

Every assumption in this plan is documented upfront. These are the inputs. Everything that follows flows from them.

IRAs $1,300,000
Age Early 60s
ROI 6%
Inflation 2.5%
Mortality Horizon Used For Projections Age 90
· Sample Plan
03 / 08
Section 02 · Baseline
02 / 07

No Conversion — the "do nothing" outcome.

First, we evaluated and projected your total financial picture as if you did nothing. Total income, required minimum distributions, account balances — all projected over the rest of your lives. This is the baseline everything else is measured against.

This serves as our baseline for comparison.
Projected Lifetime Income $2,281,426
Required Minimum Distributions $3,494,200
Estimated Lifetime Tax $1,456,660
Tax Due From Heirs* $894,515
Projected Total Tax* $2,351,175
*At horizon age of 90.
· Sample Plan
04 / 08
Section 03 · Strategy A
03 / 07

Convert at current bracket.

If you convert enough of your pre-tax accounts each year to hit the top of the current tax bracket, these are the projected results.

Conversion of funds is incomplete at this tax bracket.
Projected Lifetime Income $2,281,426
Required Minimum Distributions $1,306,369
Estimated Lifetime Tax $1,235,520
Tax Due From Heirs* $656,625
Estimated Tax Savings* $459,029
*At horizon age of 90. Savings calculated vs. the No Conversion baseline.
· Sample Plan
05 / 08
Section 04 · Strategy B
04 / 07

Convert at the Optimal Strategy™.

If you convert enough of your pre-tax accounts each year to hit the top of the optimal tax bracket, these are the projected results.

Funds totally converted to Roth.
Projected Lifetime Income $2,281,426
Required Minimum Distributions $3,725
Estimated Lifetime Tax $516,047
Tax Due From Heirs* $0
Estimated Tax Savings* $1,835,128
*At horizon age of 90. Savings calculated vs. the No Conversion baseline.
· Sample Plan
06 / 08
Section 05 · IRMAA
05 / 07

Medicare impact — premiums across scenarios.

Projected Medicare premiums under each conversion strategy. Lower taxable income from aggressive conversions translates to lower IRMAA surcharges over your lifetime.

No Conversion $367,301
22% Bracket $280,110
24% Bracket $232,360
32% Bracket $213,055
35% Bracket $198,356
Lifetime Medicare premium projections across conversion tiers. $168,945 in lifetime premium savings between the No Conversion baseline and the 35% bracket scenario.
· Sample Plan
07 / 08
Section 06 · Delay Impact
06 / 07

Cost of waiting to implement conversions.

Every year of delay narrows the window — and cuts into projected savings. Here's what the math says about waiting vs. starting this year.

If They Waited One Year
Lifetime Tax Savings $1,768,646
Tax Cost to Wait $66,482
If They Waited Five Years
Lifetime Tax Savings $1,478,076
Tax Cost to Wait $357,052
Projected savings decline steadily after year one — the conversion window narrows as RMDs approach and bracket optimization becomes constrained.
· Sample Plan
08 / 08
Section 07 · Bottom Line
07 / 07

Net worth implications of waiting just one year.

Projected Net Worth Impact $44,602 Net worth cost to wait just one year.

Every situation is different.

These are projections from one real client's engagement. Your numbers will be different — your assumptions, your timeline, your heirs' tax picture all shape the result. But the direction is consistent: every year of delay narrows the opportunity.

For illustrative purposes. This sample plan is provided for educational purposes only and does not constitute research, personalized investment advice, or any recommendation. It is a resource to illustrate how we work and what deliverables from Q3 Advisors might look like during the course of an engagement. If you engage with us, your written deliverables will vary according to your individual circumstances.
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