I didn't grow up thinking I'd become a financial planner.

I was born in India, and when I was 12, my parents made the incredibly tough decision to send me to Texas to live with my grandparents, hoping I'd have a shot at a better future.

That experience taught me a lot, especially about the importance of planning ahead and being intentional with your finances, no matter where you're starting from.

I worked three jobs to put myself through college, studied Finance at the University of Houston, and eventually landed an opportunity at Morgan Stanley thanks to a mentor who believed in me. That kicked off a 13-year career at places like Fidelity and Facet Wealth. I became a CFP® in 2016 because I wanted to give people the kind of honest, transparent guidance I wish my own family had growing up.

But the more time I spent in the industry, the more I realized how broken it was. Too many advisors were pushing products or charging hefty fees without actually solving the real problems people face—like how to turn their savings into reliable income, reduce their taxes, or make sure their family's taken care of.

So in 2023, I started Singh PWM. A flat-fee, fiduciary firm built on one simple belief: financial advice should be clear, conflict-free, and actually helpful.

Today, I work with retirees and pre-retirees figuring out their next chapter, and business owners trying to juggle personal and professional finances. Whether it's building a retirement income plan, cutting taxes, or getting your estate in order, I'm here to be your guide.

I'm also a husband, a new dad to my son Luke, and someone who still believes that doing the right thing matters.