Who is the speaker and what is his role?

Craig Wear, CFP®Craig Wear, CFP® | Expert in Roth Conversions & Tax-Efficient Retirement Strategies for IRA Millionaires

Tax Planning 2025: Why Waiting Costs You More

27 Oct 2025 · 2 min

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1:35

Derek DeHayes, CFP® of Q3 Advisors (presenting on Craig Wear’s channel) urges viewers to act now on Roth conversions and tax planning rather than procrastinating. He offers three practical tips: (1) model a Roth-conversion plan annually rather than converting all at once, (2) take advantage of current relatively low tax rates, and (3) avoid procrastination to protect legacy outcomes. He frames bold action as producing substantial, long-term tax savings and includes a call-to-action to learn more via a link.

Questions this video answers

Derek DeHayes — certified financial planner at Q3 Advisors, part of Craig Wear’s team, advising on Roth conversions.

Chapters

We all know that fortune favors the bold, right? But even in tax planning. Hey, I'm Derek DeHayes. I'm a certified financial planner here at Q3 Advisors. Work on Craig's team helping clients do Roth conversions and finding the optimal strategy for them. You've probably been introduced to Rothology through Craig and some of the things that he's been able to provide to you today. I just want to guide you through a couple of little ideas and things that might be able to help you save taxes here in probably change your long term outlook and the long term tax outcome. Number one, every IRA millionaire has a choice, wait and hope or you know, act boldly and do something now that you know that can help you in the future. The ones who have acted locked it in a lot of tax savings. The ones who waited it paid the price. So kind of three tips that I can come up with that will help get you across that finish line and three tips that I think is going to help you convert optimally, at least get in the right direction. Number one, make sure you model this plan annually. Rarely does it make sense to do these conversions all in one year and just get it over with. Number two, just take advantage of the current tax rates. We're in the lowest tax rates we've been in in 40, 50 years. And then also don't let procrastination become the issue that's going to rob you from your legacy. So we show time and time again that it makes sense to do these conversions and we're doing some life changing kind of stuff for clients. If you'd like to learn more about what we do, click on the link below. Don't wait. The sooner you act, the more options you're going to have.