Your Personalized CFO
Harness the power of your wealth.
Change Your Destiny!
Welcome to Singh PWM
Ever met a financial advisor who doesn’t charge you commissions or have investment account minimums? How about an advisor who provides you with fiduciary standards advice on your finances without selling or pitching you any type of commission based products? How about an advisor who doesn’t charge you a 1% fee just to manage your investments? But most importantly, how about an advisor who can be your trusted guide and hold you accountable to get sh*t done so you can be a best version of yourself?
I’m Raman Singh, CFP® and I’m not your traditional financial advisor or the guy who sells you insurance products or pitch you investment ideas. I am your Flat Fee-Only Fiduciary, your Personalized CFO who is dedicated to providing you sound and impartial financial advice. Basically, I'm the guy who you talk to about your money before you make any major financial decisions.
How you may ask? Well, as a flat-fee only CERTIFIED FINANCIAL PLANNER™ , I work with my clients by providing them an unbiased fiduciary advice without any conflicts of interest by putting their needs first by being only compensated by my clients through a flat fee.
My mission is to help you keep your life simple by educating and informing you about the financial planning industry. There’s already enough confusion out there so allow me help you simplify things. Let’s have a quick chat so we can learn more about each other. One thing I can promise you is that during this free initial call, you will learn more about how the financial planning industry works than ever before. Our initial free session is simply designed to see whether we are good fit for each other, but most importantly, I will educate you on how the industry works so you can either decide to work with me OR differentiate how you find an ideal financial planner for yourself.
Are you asking the right questions to a financial advisor? If not, let me help you ask the right questions.
Reducing Complexity, Providing Clarity!
As seen on :
Are you paying your “Financial Advisor” 1% Of your Investments to manage your investments?
WHY?
When you can have a…
Flat Fee Only Planner!
Here’s how the Flat Fee Model Works
Illustration based on 1% Fee vs. Annual Flat Fee of $3,000 adjusted for 5% increase every 4 years. Actual fees contingent upon scope of planning work
Want to know how you are doing with your current financial plan? Try out this exercise and allow me to give you a plan snapshot for FREE!
How am I different than the other Financial Advisors?
I’m not your Dad’s advisor who’s going to sell you an insurance policy or an annuity or charge you % of your investments to manage them for you. I am Your Personalized CFO, a fiduciary, who’s going to look at every little details of your financial infrastructure, develop an actionable plan that can maximize your savings, identify/lower your risks, ways to minimize your taxes, and elevate your lifestyle. My mission is to help you reduce financial complexity in your life while continue to bringing you clarity.
So You can make confident financial decisions!
Who should consider hiring a Personalized CFO?
Need Financial Clarity and Confidence in making financial decisions?
Not sure where you are spending your money and need boundaries & accountability?
Approaching the Retirement Redzone and need clarity on your financial path?
Not sure where you are missing the gap in your financial well-being and want to be educated on your finances?
Too busy to notice your finances and need to make sure you are making the right money & tax planning moves?
Earning over $250,000 per year but your savings don’t reflect any of it?
Worried about a Financial Advisor selling you insurance products or charge you a fee based on your Investments?
Need someone who can guide you and help you make SMART financial decisions and be the best version of yourself?
Want to continue to be a DIY investor and work with a planner to identify & mitigate your risks, build you a plan, educate you, and hold you accountable?
Want to work with someone who charges you a flat-fee, NO commissions, and NO % fees based on your investment portfolio?
Where are you on the road
to your financial journey?
Wealth Foundational Phase
You're at the beginning of focusing on your financial well-being, the start of your accumulation phase. You're seeking a coach to guide you in understanding, learning, and evolving, enabling you to become your best financial self and make wise decisions.
“New Job, New Business, Newly Married, Buying Your First Home, Starting A Family”
Wealth Acceleration Phase
You've mastered the fundamentals of your finances, started to accumulate significant savings, unsure about risks, and are now poised to maximize your current structure. Ready to stay laser-focused, you aim to optimize and enhance your financial structure.
“Career Veteran, Established Business Owners, Real Estate Guru, Employer Stock Portfolios”
Wealth Preservation Phase
You have spent years accumulating wealth in preparation for your Financial Independence. You are getting closer and closer to achieving it, which means it is time to fine-tune your goals & establish some barriers. Honing in on your strategy now can help avoid or mitigate risk that can dismantle your Financial Independence, so why take a chance? Let's plan to protect your freedom you have worked so hard to obtain.
“Seasoned Investor, Seasoned Business Owner, C-Level Executive, Seasoned Parents”