About the Advisor
Founder, Singh PWM LLC · Flat-Fee Fiduciary · Phoenix, AZ
I started Singh PWM because I spent over a decade watching the industry fail the people it was supposed to serve. Clients were sold products they didn't need, charged fees that compounded against them, and given advice that treated each problem in isolation — investments here, taxes there, estate planning somewhere else entirely. Singh PWM was built to do the opposite: one advisor, one plan, one transparent fee, everything coordinated.
Credentials & Verification
Financial services is a field where credentials are easy to claim and hard to verify. Here's how to confirm mine.
Issued by: CFP Board
Held since: 2016
Requires completion of a Board-registered education program, passage of a rigorous 170-question exam, 6,000 hours of professional experience, and ongoing continuing education. CFP® professionals are held to a fiduciary standard when providing financial planning.
Issued by: Internal Revenue Service
Held since: 2026
The highest credential awarded by the IRS. Enrolled Agents pass a comprehensive three-part exam covering individual taxation, business taxation, and representation before the IRS. EAs have unlimited practice rights before the IRS — meaning they can represent clients in audits, collections, and appeals.
Registered with: U.S. Securities and Exchange Commission
Firm: Singh PWM LLC
Singh PWM is registered as an investment adviser with the SEC. Registration requires disclosure of fees, conflicts of interest, and business practices via Form ADV. All advisory services are provided as a fiduciary.
What it means: These networks require fee-only or flat-fee practice standards as a condition of membership — no commissions, no AUM arrangements that create conflicts.
Membership is a verifiable commitment to a specific business model, not just a marketing claim.
Experience
I've spent over 14 years working across every major model in the financial services industry — and that breadth is intentional. Early in my career I worked inside large institutions, including time at Fidelity and Morgan Stanley, where I saw firsthand how the product-and-commission model shapes the advice clients receive. Not always dishonestly — but structurally. When compensation is tied to products, advice trends toward products.
Later I worked at Facet and independent RIAs, where I saw a different set of tradeoffs. Better alignment, but often templated advice that didn't account for the full complexity of a client's situation. Tax planning and investment management operating in separate silos. Estate planning happening in a lawyer's office with no connection to the retirement income plan.
Singh PWM was founded in 2016 as a direct response to what I observed in all of those environments. The flat-fee model wasn't a marketing decision — it was the only structure I could build where the advice I give has no financial relationship to what the client buys.
As of 2026, I'm also an Enrolled Agent — which means I handle tax strategy and tax preparation in-house. That integration is rare in independent advisory firms and is the specific capability that makes coordinated retirement tax planning possible for Singh PWM clients. Your withdrawal strategy and your tax return are built by the same person, looking at the same picture, at the same time.
Specialization
Singh PWM is not a generalist practice. I work with a defined, limited number of clients — pre-retirees and retirees, typically in their 50s and 60s, with $1.5M–$5M+ in investable assets — because the work requires depth and direct involvement that doesn't scale to hundreds of relationships.
Building a sustainable income plan that sequences withdrawals correctly, manages sequence-of-returns risk, and doesn't force you to sell at the wrong time.
Roth conversion strategy, RMD planning, IRMAA management, withdrawal sequencing, and Social Security timing — modeled together, not in isolation.
As an Enrolled Agent, I prepare tax returns for planning clients. Strategy and filing never operate in separate silos.
Low-cost, tax-efficient portfolio construction and ongoing management — rebalancing, tax-loss harvesting where appropriate, and allocation decisions made in the context of your full income plan.
Beneficiary reviews, account titling, trust coordination with your estate attorney, and inherited IRA planning for heirs.
Exit strategy, retirement plan selection (Solo 401k, SEP-IRA, defined benefit), and the transition from business income to retirement income.
The Model
There are three fee structures in financial services: commissions (paid by product manufacturers), AUM (a percentage of assets that grows with your portfolio), and flat-fee (a defined annual or project fee). Singh PWM operates exclusively on flat fees. You know your cost before any work begins. A 1% AUM fee on a $2M portfolio costs $20,000+ per year — and compounds against you. Our annual retainer is $10,000. Our comprehensive one-time plan is $5,000. Hourly work is $300/hour.
A fiduciary is legally required to act in your best interest — not the interest of a product manufacturer, a brokerage, or a firm's revenue targets. All CFP® professionals are held to a fiduciary standard when providing financial planning. As an RIA, Singh PWM is a fiduciary at all times in the advisory relationship. There is no asterisk on this.
Every client at Singh PWM works directly with me. There are no junior advisors, no associate planners, no handoffs to a support team. When something changes in your financial life — tax law, markets, a life event — you hear from me directly. That's a deliberate constraint on the size of the practice, and it's non-negotiable.
Client Perspectives
"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."
— Singh PWM Client
"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."
— Singh PWM Client
"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."
— Singh PWM Client
Testimonials provided by clients of Singh PWM LLC. Clients were not compensated, nor are there material conflicts of interest that would affect the given statements. Statements may not be representative of the experience of all clients and do not provide a guarantee of future performance or similar services.
External Profiles
The first step is a complimentary 30-minute Strategic Fit Interview. No cost, no commitment, no sales agenda. I learn about your situation. You learn about my process. We decide together whether it makes sense to go deeper.
📧 raman@singhpwm.com
📞 (480) 420-4824
📍 Phoenix, AZ · Serving Arizona statewide and nationwide virtually
Singh PWM LLC is a Registered Investment Adviser in the State of Arizona. Registration does not imply a certain level of skill or training. This page is for informational and educational purposes only and does not constitute personalized investment, tax, or legal advice.
