Flat-fee retirement & tax planning · Anthem, AZ
A CFP® and Enrolled Agent under one roof for Anthem households $1.5M+, coordinating retirement income, Roth strategy, and tax preparation on a transparent annual fee. No percentage of assets. No commissions. No handoffs.
No commitment. No sales agenda. 20 minutes.
Anthem sits at the north edge of the Valley along I-17, and its population splits between Del Webb Anthem's active-adult retirees and the family neighborhoods around Anthem Parkway and Country Club, many still commuting south to Deer Valley and central Phoenix employers. For most Anthem households, the question isn't whether they can afford to retire. It's whether they're sequencing and converting their pre-tax accounts in the most tax-efficient way before required distributions and Medicare surcharges remove that flexibility. That requires a coordinated retirement planning approach that integrates Social Security timing, Roth conversion strategy, withdrawal sequencing, and tax filing, all working together. Singh PWM delivers that on a flat-fee, fiduciary basis, with in-house tax preparation so strategy and filing are never siloed.
For a full breakdown of the retirement tax issues most relevant to Arizona residents, see our Retirement Tax Planning in Arizona guide.
Anthem's two halves bring genuinely different planning problems. Del Webb Anthem residents are largely retired or fully retired, many relocated from out of state, with a pre-tax-heavy balance sheet and a fresh Arizona residency question that, handled correctly, produces real annual savings. Anthem Country Club and Anthem Parkside households skew younger, dual-income professionals commuting to the Deer Valley aerospace and financial-services corridor or central Phoenix, with 401(k)s, equity compensation, and no coordinated distribution plan yet. Deer Valley district educators with ASRS pensions round out a third group, regularly underestimating how much that guaranteed income fills the lower federal brackets and changes the Roth conversion calculus.
For most Anthem households, the decade from 55 to 65, the retirement red zone, is the single highest-leverage window in a financial life. It's when sequence-of-returns risk is mathematically at its worst, when the gap between work income ending and Social Security starting opens a low-bracket Roth conversion runway that closes once benefits and RMDs begin, and when Medicare IRMAA brackets begin to govern every income decision in your 70s. Most planning mistakes that cost six and seven figures over a retirement are made, or locked in, during these ten years.
If you relocated to Del Webb Anthem from a higher-tax state, establishing Arizona domicile correctly (driver's license, voter registration, time-in-state documentation) can produce meaningful annual savings on retirement distributions. Arizona doesn't tax Social Security and applies a flat 2.5% income tax. We coordinate residency with the overall plan rather than treating it as a separate question.
Between retirement and the year you turn 73, you have a stretch of historically low-bracket years to move pre-tax dollars to Roth before required distributions force them out at higher rates. For an Anthem household with $1.5M+ in traditional IRAs, the lifetime tax difference can be six figures.
Whether your income picture includes an ASRS pension or equity compensation from a Deer Valley corridor employer, the order in which you draw from each account changes both your current tax bill and your long-term RMD trajectory. We model the multi-year tax curve before recommending a sequence.
On a $1.5M portfolio, a 1% AUM fee is $15,000 in year one and grows with the portfolio every year, for advice that often doesn't change. Over a 25-year retirement, the difference between a percentage fee and a flat annual fee on the same plan is routinely six figures of foregone growth. We charge a flat annual fee that doesn't scale with your assets, doesn't change because of a decision like paying off your mortgage, and never depends on selling you a product.
Anthem clients range from active-adult retirees in Del Webb Anthem to dual-income professional families in Anthem Country Club and Parkside commuting to Deer Valley and Phoenix employers, plus public employees with ASRS pensions. A common profile: a household with $1.5M–$3M in investable assets, either recently relocated or within five to ten years of retirement, with a pre-tax-heavy balance sheet and no coordinated plan for conversions, Social Security timing, and tax filing.
No commitment. No sales agenda. 30 minutes.
