Are we actually on track to retire — or just hoping we are?
Spreadsheets don't account for taxes, sequence risk, or withdrawal order. Real planning does.
SINGH PWM
Schedule a Strategic Fit Interview
No commitment. No sales agenda. 30 minutes.
Flat-Fee · Fiduciary · Tax-Integrated
Your retirement strategy should work as one plan.
Most people near retirement have the right pieces — but no one has coordinated them. Taxes, investments, Social Security, and income strategy pulling in different directions costs more than you think.
Schedule a Strategic Fit Interview
No commitment. No sales agenda. 30 minutes.
No cost. No commitment. Clarity before engagement.
Credentials
CFP® & EA
Experience
14+ Years
Model
Flat-Fee Only
Commissions
None. Ever.
Sound Familiar?
The questions keeping you up at night
How do we draw income without triggering a tax avalanche?
Roth conversions, RMDs, Social Security timing — every move affects the others.
Are we paying more in fees and taxes than we need to?
Most clients don't know their all-in cost until we show them. The number is often surprising.
Is our advisor actually on our side — or selling us something?
Fiduciary, flat-fee advice is rare. Commission and AUM conflicts are common. The difference is real.
Who This Is For
I work best with people who have real complexity
Singh PWM serves individuals and families — typically in their 50s and 60s — with $2M+ in investable assets who want every part of their financial life coordinated under one plan.
- —Pre-retirees 5-10 years from retirement
- —Business owners approaching an exit or sale
- —Physicians and professionals with deferred comp
- —Retirees who've outgrown their current advisor
- —Families who need tax, investment, and estate aligned
- —Anyone paying 1% AUM and wondering what they're getting
$10,000+
Average annual portfolio cost savings identified for new clients through a fee and expense audit
$40,000+
Annual tax savings delivered to a physician client through coordinated tax strategy — no insurance, no gimmicks
14 Years
Experience inside Fidelity, Morgan Stanley, Facet, and independent RIAs before building a better model
One Advisor
No junior staff. No delegation. Every client works directly with Raman Singh, CFP® & EA
The Process
Clarity before commitment — every time
Financial mistakes happen when people implement before they understand the consequences. This structure ensures you always know the scope, the cost, and the reason — before anything begins.
Strategic Fit Interview · 30 Minutes
Strategic Fit Interview
We meet to discuss your goals, current financial structure, and the decisions you're facing — retirement timing, tax exposure, income strategy. This isn't a planning session. It's to determine whether deeper work is warranted. No recommendations are made. No commitment required.
Flat-Fee · Defined Scope
Prescribed Plan & Defined Scope
Based on complexity, I outline exactly what will be analyzed, what will be delivered, and what it costs — before work begins. Comprehensive one-time plan: $5,000. Targeted engagements: $300/hour. You never enter a planning engagement without knowing the full scope.
Optional · Annual Retainer
Ongoing Strategic Relationship
After planning work is delivered, some clients choose an ongoing retainer ($10,000/year) for proactive oversight, annual tax planning, and coordinated strategy. This is never assumed — it becomes an option only after the initial engagement proves its value.
Real Client Outcomes
What coordinated planning actually produces
$10,000+/yr
Hidden Portfolio Costs Eliminated
A pre-retiree discovered her portfolio was generating $15,000+/yr in internal expenses. After restructuring, costs dropped under $5,000 — without adding complexity.
$30,000/yr
Investment Management Cost Reduced
A client near retirement was 95%+ in equities paying $30,000+/yr in management fees. Restructured for appropriate allocation at a fraction of the cost.
$40,000+/yr
Tax Savings for a Physician Client
A physician earning $360K+/year was missing coordinated strategies. No exotic products — smart sequencing reduced her tax liability by $40,000+ in year one.
These are anonymized client examples for illustrative purposes. Past results do not guarantee future outcomes. Individual results will vary.
Client Perspectives
What clients say about working with Singh PWM
"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
Testimonial disclosure: statements are from real clients of Singh PWM LLC who were not compensated, and their experience may not be representative of all clients.
Transparent Pricing
No % of AUM. No commissions. No surprises.
A 1% AUM fee on a $2M portfolio costs $20,000+/year — and compounds against you over time. Our flat-fee model keeps costs capped and transparent so more of your portfolio works for you.
Targeted Engagement
$300/hour
- •Defined-scope project work
- •Single-topic analysis
- •Billed only for hours used
- •No retainer required
Most Common
Comprehensive Plan
$5,000 one-time
- •Full retirement modeling
- •Tax & Roth conversion analysis
- •Social Security optimization
- •Distribution sequencing strategy
- •Written recommendations
- •Approximately 5 months total from kickoff through final follow-up, including limited implementation support as needed
Ongoing Retainer
$10,000/year
- •Year-round proactive oversight
- •Integrated tax planning & prep
- •Investment management
- •Annual retirement review
- •Direct advisor access
- •No percentage of assets charged
Strategic Fit Interview
Start with a 30-minute conversation.
No cost. No commitment. No sales agenda. We determine fit first — and only move forward if deeper work makes sense for your situation.
Schedule a Strategic Fit Interview
No commitment. No sales agenda. 30 minutes.
Raman Singh, CFP® & EA · Flat-Fee Fiduciary · Arizona & Nationwide Virtual