Your Flat-Fee Tax & Retirement Strategist
With 14+ years of dedicated experience in financial planning, we provide transparent flat-fee strategies. Serving Arizona residents statewide and working virtually nationwide.
Backed by CFP® Certification
CFP® Professional Since 2016
Is This Your Situation?
Approaching retirement isn’t about picking investments. It’s about avoiding irreversible mistakes.
If you’re 5–10 years out and uncertain about taxes, income strategy, or how your decisions fit together, you’re exactly who I work with. These are coordination problems—not performance problems—and they require a specialist.
Are we on track to retire comfortably and maintain our lifestyle?
What's the best way to draw income from my investments without running out of money?
Should I consider annuities or other guaranteed income strategies in my retirement plan?
What's the best way to transition ownership of my business to my children or employees?
What's the best strategy for delaying or minimizing taxes on my retirement withdrawals?
Are we missing out on tax deductions or credits that could lower our overall tax liability?
Are we maximizing our income & resources for tax efficiency?
Should I withdraw from taxable accounts first to keep my tax bracket lower in retirement?
How do we navigate the ups and downs of stock market volatility?
Is our retirement plan built to handle the unexpected?
Why This Matters Now
People approaching or in retirement face complex choices:
Why This Matters Now.
- Social Security — Claiming incorrectly can cost tens of thousands.
- Investment withdrawals — Poor sequencing can ruin portfolios.
- Tax planning — Roth conversions and tax-efficient strategies are critical.
- Estate planning — Avoid confusion or unintended probate.
The Solution — Make all of the above work together, not against each other.
The Hidden Tax Avalanche
Doing nothing isn’t neutral. Uncoordinated decisions create forced income, tax drag, and reduced flexibility over time.
Uncoordinated Accumulation → Forced Distribution
- Tax-deferred growth compounds a future tax problem
- Forced income rises later (RMD pressure)
- Medicare costs can jump (IRMAA exposure)
- Less control over tax brackets and timing
- Heirs inherit compressed tax timelines
Coordinated Strategy → Intentional Distribution
- Tax strategy reduces drag over time
- Income timing stays intentional (not forced)
- Medicare exposure is managed, not surprised
- More control over brackets, cash flow, and conversions
- Heirs receive more flexibility and better outcomes
The difference isn’t performance. It’s sequencing.
Singh PWM Client Interview Process
A structured, three-stage interview process designed to evaluate fit, uncover retirement tax risk, and establish clarity before any recommendations or execution take place. This process ensures alignment on complexity, expectations, and long-term strategy—protecting outcomes for both the client and Singh PWM.
Strategic Fit Interview
~30 min
Retirement Tax & Legacy Diagnostic
~45 min
Decision & Onboarding
~60 min
Stage 1
Strategic Fit Interview
PurposeInitial mutual evaluationTime~30 min
Stage 1
Strategic Fit Interview
- Understand goals, concerns, and financial complexity
- Identify retirement tax and legacy risk at a high level
- Clarify expectations and decision-making style
- Determine whether deeper diagnostic work is warranted
- Confirm whether the Singh PWM process is the right fit
Scoped Advisory (By Approval)
For specific one-time decisions when full-service coverage isn't the right fit.
$300/hour
Available only after the Fit Interview.
This is a fit interview — not a planning or strategy meeting.
Stage 2
Retirement Tax & Legacy Diagnostic
PurposeDecision mapping and clarityTime~45 min
Stage 2
Retirement Tax & Legacy Diagnostic
- Review tax exposure across the retirement timeline
- Identify key decision points and hidden risks
- Compare the default path versus an intentional strategy
- Clarify trade-offs before any implementation
- Determine whether ongoing coordination makes sense
Scoped Advisory (By Approval)
For specific one-time decisions when full-service coverage isn't the right fit.
$300/hour
Available only after the Fit Interview.
This stage provides clarity, not implementation.
Stage 3
Decision & Onboarding
PurposeIntentional commitmentTime~60 min
Stage 3
Decision & Onboarding
- Mutual decision to work together
- Confirm scope, responsibilities, and communication cadence
- Outline the first 90 days of work as a client
- Begin structured onboarding into the Singh PWM process
- Decline engagement if alignment is not complete
Not every prospect advances to this stage — by design.
Singh PWM works with a limited number of clients to ensure depth, clarity, and disciplined execution. This interview process exists to protect outcomes — for both sides. Advancement through each stage is intentional, and Singh PWM reserves the right to decline engagements that are not a fit.
Why Work With Me?
Generic advice fails when decisions become irreversible.
I work with people facing coordinated tax, income, and legacy risk—where timing matters more than performance. My role is to impose structure, sequencing, and judgment across every decision.
No sales agenda.
No delegation.
Just deliberate planning.
REAL CLIENT DECISIONS. REAL OUTCOMES.
Four anonymized examples of how Singh PWM helps pre-retirees and retirees reduce fees, avoid costly mistakes, and build coordinated retirement strategies.
Cut Hidden Portfolio Costs
A pre-retiree hired Singh PWM for a one-time review and discovered her investments were quietly generating over $15,000 per year in internal portfolio expenses.
After restructuring the portfolio, annual internal costs dropped to under $5,000—without adding complexity.
- Reduced internal portfolio expenses by $10,000+ per year
- Simplified holdings and improved transparency
- Maintained a risk-appropriate allocation
Retirement-Ready Risk and Fees
A client nearing retirement was positioned with over 95% in equities and paying more than $30,000 per year for investment management alone.
Singh PWM built a coordinated retirement strategy—investment management, withdrawal sequencing, tax planning, and Roth conversion planning—under one flat annual fee.
- Lowered annual advisory cost to a flat $10,000
- Built a retirement income and withdrawal strategy
- Integrated tax planning and portfolio oversight
Avoided a Costly Annuity and Land Sale
A client was advised to sell family land and purchase a variable annuity of more than $500,000 to “secure retirement income.”
After a full retirement analysis, neither step was necessary. She kept the land, avoided the annuity, and implemented a diversified, passive portfolio designed for long-term retirement sustainability.
- Preserved family land
- Avoided an unnecessary high-cost annuity
- Implemented a long-term, passive portfolio strategy
From One-Time Plan to Ongoing Peace of Mind
A client began with a one-time planning project but felt constant stress managing retirement decisions and market volatility alone.
She transitioned into an ongoing relationship where retirement income, investments, and tax strategy were coordinated in one place—allowing her to retire with clarity and confidence.
- Reduced decision stress and ongoing monitoring
- Coordinated retirement income, investments, and taxes
- Increased confidence through an ongoing plan
Case studies are illustrative and anonymized. Results vary based on individual circumstances and are not guarantees of future outcomes.
Schedule a Strategic Fit InterviewSingh PWM Key Value Pillars
Personalized Strategy
You work directly with me. No handoffs. No junior staff.
Integrated Decision-Making
Tax strategy, investment management, and estate planning are coordinated so each decision supports the next.
Flat Fee. No Conflicts.
One transparent annual fee. No commissions. No asset-based pricing.
Arizona-Based. National Reach.
Based in Arizona. Serving clients across the U.S.
Big-Firm Discipline. Boutique Focus.
Institutional experience, delivered without bureaucracy or sales pressure.
In the Press:
"401(k) Investors Convinced That Target-Date Funds Miss the Mark"
"I'm a Financial Advisor: 7 Costliest Mistakes Middle-Class Boomers Make"
"Gold price forecast for fall 2024: Here's what experts expect"
"We have $1 million in high-yield savings and CDs set aside to buy a house. Should we move our money if the Fed cuts rates?"
"I started working with a financial planner this year and I've already saved and invested more than I ever had before"
"I'm a Retirement Planner: 4 Best Reasons to Take Social Security Early"
"Financial advisors get flexible with fees — with or without AUM charges"
"401(k) Investors Convinced That Target-Date Funds Miss the Mark"
"I'm a Financial Advisor: 7 Costliest Mistakes Middle-Class Boomers Make"
"Gold price forecast for fall 2024: Here's what experts expect"
"We have $1 million in high-yield savings and CDs set aside to buy a house. Should we move our money if the Fed cuts rates?"
"I started working with a financial planner this year and I've already saved and invested more than I ever had before"
"I'm a Retirement Planner: 4 Best Reasons to Take Social Security Early"
"Financial advisors get flexible with fees — with or without AUM charges"
"401(k) Investors Convinced That Target-Date Funds Miss the Mark"
"I'm a Financial Advisor: 7 Costliest Mistakes Middle-Class Boomers Make"
"Gold price forecast for fall 2024: Here's what experts expect"
"We have $1 million in high-yield savings and CDs set aside to buy a house. Should we move our money if the Fed cuts rates?"
"I started working with a financial planner this year and I've already saved and invested more than I ever had before"
"I'm a Retirement Planner: 4 Best Reasons to Take Social Security Early"
"Financial advisors get flexible with fees — with or without AUM charges"
"401(k) Investors Convinced That Target-Date Funds Miss the Mark"
"I'm a Financial Advisor: 7 Costliest Mistakes Middle-Class Boomers Make"
"Gold price forecast for fall 2024: Here's what experts expect"
"We have $1 million in high-yield savings and CDs set aside to buy a house. Should we move our money if the Fed cuts rates?"
"I started working with a financial planner this year and I've already saved and invested more than I ever had before"
"I'm a Retirement Planner: 4 Best Reasons to Take Social Security Early"
"Financial advisors get flexible with fees — with or without AUM charges"
A white-glove planning framework for clarity, coordinated strategy, and disciplined execution
A premium advisory experience that brings order to complexity and keeps every decision coordinated.
Steps 1-3
Phase 1: Clarity
Align goals, constraints, and priorities so decisions begin with full context.
View Phase 1 breakdown
Understand Your Situation
Discovery Meeting Includes
We begin with a comprehensive discovery meeting to understand your current financial situation, goals, and challenges.
Identify & Prioritize Your Goals
Prioritize and Review Your Goals
We work together to identify your financial goals and prioritize them based on importance and timeline.
Analyze Your Current Plan
Deep Dive & Analysis on your Current Plan
We conduct a thorough analysis of your current financial plan, investments, and strategies to identify gaps and opportunities.
Steps 4-5
Phase 2: Strategy
Translate clarity into a coordinated plan with integrated recommendations.
View Phase 2 breakdown
Develop Tailored Recommendations
Strategic Recommendations
Based on our analysis, we develop personalized financial recommendations tailored to your specific situation and goals.
Present Plan Recommendations
Visual Tools Shared
We present your comprehensive financial plan using visual tools and clear explanations to help you understand the strategy.
Steps 6-7
Phase 3: Execution & Oversight
Implement with discipline and maintain oversight to keep progress on track.
View Phase 3 breakdown
Implement Recommended Strategies
Execution Strategy
We guide you through implementing the recommended strategies, ensuring smooth execution of your financial plan.
Monitor & Ongoing Servicing
Ongoing Post-Retirement Services
We provide ongoing monitoring, regular reviews, and continuous support to ensure your plan stays on track.
Serving Arizona residents statewide
Including Scottsdale, Phoenix, Marana, Tucson, Prescott, Paradise Valley, and Happy Valley
Annual Advisory Fees Over 20 Years
1% of AUM vs flat $10,000 (3% annual inflation) · Starts at $20,000 vs $10,000 · 7% growth assumption
Illustration assumes an average $2,000,000 portfolio growing at a 7% annualized rate over 20 years. $10,000 annual fee subject to 3% annual inflation.
Hi, I'm Raman!
I work with people making decisions that can’t be undone.
Most financial mistakes don’t come from bad investments. They come from poor sequencing, uncoordinated tax decisions, and advice that treats each problem in isolation.
My role is to bring structure, judgment, and coordination to complex financial lives—especially in the years leading up to and through retirement.
I’ve spent roughly 12 years working inside large institutions and independent advisory firms, including Fidelity, Morgan Stanley, Facet, and RIAs.
I became a CFP® in 2016 after seeing firsthand how often clients were sold products, charged opaque fees, or left without real guidance when decisions actually mattered.
Singh PWM was built as a response to that system.
I operate as a flat-fee fiduciary and work directly with a limited number of clients so every major decision—investment management, tax strategy, retirement income, and estate coordination—fits together as one plan.
No product sales. No delegation to junior staff. No fragmented advice. Just deliberate planning for people with real complexity and real consequences.
All-Inclusive Wealth Planning for One Flat Annual Fee
Full coverage included with no add-ons
Full-coverage wealth leadership
Every major decision is coordinated under fiduciary authority with no carve-outs.
Investment management, fully integrated
ETF-based indexing, portfolio oversight, and tax-loss and tax-gain harvesting.
Proactive tax planning + in-house tax preparation
Planning and filing in one place to prevent tax leakage and costly misses.
Retirement income strategy + Social Security coordination
Income sequencing and claiming decisions designed to avoid permanent damage.
Estate and legacy coordination
Revocable trust, wills, POAs, and healthcare directives coordinated with legal professionals.
Risk and liability oversight
Insurance and exposure decisions aligned to the strategy to avoid coverage gaps.
Major life and business decisions
Liquidity events, transitions, and family milestones handled with fiduciary judgment.
Flat Annual Fee: $10,000 per year – fiduciary alignment and full coverage with nothing important excluded.
Best fit for full-service coverage
Full service is for households that want every decision coordinated. If you only need a scoped engagement, start here.
Optional One-Time Planning Project
flat fee, defined scope
CLIENT SUCCESS STORIES
See what clients say about working with a flat-fee fiduciary who puts their interests first.
Raman educated me on my financial wellbeing and helped me identify risks and mitigation strategies. He truly is your personalized CFO. Extremely personable and trustworthy.
Arjun
Client
Personal CFO
Raman demonstrated deep understanding of my financial goals and crafted a personalized plan perfectly aligned with my needs. My family's financial well-being has been dramatically improved.
Bryce
Client
Exceptional advisor
Raman is top tier when it comes to helping you build your business and the life you dream of. Super knowledgeable and a good teacher. Highly recommend for financial freedom.
Marsh
Business Owner
Top tier advisor
I've worked with Raman for 4 years now. He became my financial companion and educated me on the 'why' of everything. I have complete peace of mind with my finances. I wouldn't make any financial move without consulting him first.
Mayra
Attorney
4 years of partnership
We've been working with Raman for over a year and he is absolutely phenomenal. Thorough, passionate, and extremely skilled. Our finances have improved immensely. Couldn't imagine a better financial planner!
Ryan & Latha
Clients
Phenomenal results
Raman helped identify cashflow optimization opportunities and set major goals in a shorter timeframe than expected. You feel more like a partner than a client. Really dedicated, responsive and knowledgeable.
Shehan
Business Owner
More than an advisor
These testimonials were provided by clients of Singh PWM LLC. The clients were not compensated, nor are there material conflicts of interest that would affect the given statements. The statements may not be representative of the experience of other current clients and do not provide a guarantee of future performance, success or similar services.
FREQUENTLY ASKED QUESTIONS
Get answers to common questions about our financial planning approach, fee structure, and how we can help secure your financial future.
Questions You Should Be Asking Your Financial Advisor
When you’re nearing retirement, choosing the right advisor matters. Whether you already have one or you’re interviewing, these are the questions to ask your financial advisor before retirement to ensure you’re working with a flat-fee fiduciary focused on tax-smart retirement planning and your family’s legacy.
Why These Questions Matter
These questions separate salespeople from strategists. A true fiduciary advisor should welcome them — not avoid them. At Singh PWM, we encourage clients to ask every single one, because transparency and trust form the foundation of every plan we build.
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