Lakewood, CO Office

Q3 Advisors provides financial planning and tax-focused consulting services to individual clients, delivered through several packaged programs including Roth conversion-focused offerings, comprehensive financial plans, module-based advice, and an ongoing “Integration Experience.” The firm does not offer investment portfolio management or act as an investment manager, and its written deliverables emphasize planning-level recommendations across retirement, tax, estate, insurance, and employee-benefit topics.

The firm uses fixed, pre-determined planning fees and structures engagements around deliverables such as tax projection reports, Roth conversion schedules, and periodic plan reviews; it does not accept discretionary authority over client accounts or recommend specific securities. Q3 coordinates with independent CPA firms for tax return preparation for qualifying clients and documents assumptions and projections in written summaries and annual or quarterly reviews depending on the program.

Compared with many multi-team advisors, Q3 stands out for not charging percentage-of-assets fees and reporting zero assets under management, instead operating entirely on fixed-fee planning engagements and partnership arrangements with other advisory firms. The brochure also notes operational features that are less common among peers — use of client testimonials in advertising, a partnership/referral program with other advisers, and the firm’s use of third-party payment processing for client fees while stating it does not have access to clients’ bank or card data.