Flat-fee retirement & tax planning · Chandler, AZ
Tax-integrated planning for Chandler tech and finance professionals navigating RSUs, NQDC, and Roth conversion windows — and for Sun Lakes retirees coordinating Social Security, RMDs, and Medicare. CFP® + Enrolled Agent. Flat annual fee.
No commitment. No sales agenda. 20 minutes.
Chandler has quietly become one of the most economically productive cities in Arizona — home to major tech, semiconductor, and financial services employers that produce a large concentration of high-income professionals in their 40s and 50s who are building serious wealth but haven't yet had a reason to think carefully about what comes next. That changes fast as retirement approaches. Stock compensation, deferred comp plans, dual-income households phasing into single-income, and the realization that a 401(k) and a brokerage account alone aren't a retirement plan — these are the coordination challenges that bring Chandler clients to Singh PWM. As a flat-fee CFP® and Enrolled Agent, Raman Singh brings tax-integrated retirement planning to professionals who've outgrown the generic advice they've been getting.
For a full breakdown of the retirement tax issues most relevant to Arizona residents, see our Retirement Tax Planning in Arizona guide.
Two very different planning conversations happen in Chandler — sometimes within the same family. On one side is the high-income professional in their 40s and early 50s in Ocotillo (85248) or Fulton Ranch (85249) — typically an Intel, Microchip, Wells Fargo, or PayPal employee earning $250K–$500K+ in cash, plus RSUs that vest every quarter and either an ISO or an NQDC plan layered on top. They're contributing to a 401(k), but the equity compensation and concentrated employer stock are the actual lever, and most of them have never had anyone model the tax consequences of letting that position run versus diversifying it. On the other side is the Sun Lakes (85248) retiree — often a recent transplant from California, the Midwest, or the Pacific Northwest — sitting on $1.5M–$3M in pre-tax IRAs and 401(k) rollovers, taking Social Security or about to claim, and starting to absorb how mandatory distributions in their 70s will combine with Social Security and pension income to push them into brackets they hadn't anticipated. Both clients need coordinated planning, but the levers, the time horizons, and the urgency are completely different — and the difference is the planner's job to recognize.
For Chandler tech professionals, the red zone often starts earlier than 50. Equity vesting schedules, concentrated employer stock, and the moment you cross into the 32% or 35% federal bracket all create planning windows that are easy to miss if no one is watching them. For Sun Lakes retirees, the red zone is the more conventional 60–73 stretch — the years between Social Security claiming and the year RMDs begin, when low-bracket Roth conversions can permanently lower a lifetime tax bill. In both cases, the cost of inaction compounds quietly: a few years of missed conversion capacity for the retiree, a few quarters of poorly-timed RSU sales for the professional. Singh PWM exists to make those windows visible and to coordinate the decisions deliberately rather than reactively.
RSU vesting is ordinary income at vest; concentrated stock then accrues capital gains. NQDC distribution elections are typically irrevocable five or more years before payout. We map the multi-year tax curve so you know which RSUs to sell at vest, which to hold, and how to time NQDC distributions around retirement income and IRMAA exposure.
Between the year you retire and the year you turn 73, every dollar of pre-tax IRA you can convert at a 12% or 22% bracket is a dollar you never pay 24%, 32%, or 35% on later. For a $2M IRA, the lifetime tax difference is routinely $200K–$500K+ depending on starting balance and timing.
The default 'spend taxable first, then pre-tax, then Roth' rule is wrong as often as it's right. We model your specific bracket trajectory, RMD path, and IRMAA exposure to determine the year-by-year sequence that minimizes lifetime tax, not just this year's.
A 1% AUM advisor charging on a $2.5M Chandler household portfolio is collecting $25,000 a year — and that fee will be roughly $40,000 by the time the portfolio doubles. None of that fee buys better RSU planning, better NQDC election analysis, or better Roth conversion modeling — it's a fee on the assets, not on the work. Our flat annual fee covers the actual planning work, doesn't scale with your wealth, and doesn't depend on you holding investments with us.
The typical Chandler client is in their late 40s to mid-50s — a high-income professional or dual-income household earning $200K–$500K+, employed at one of the area's major employers (Intel, Wells Fargo, PayPal, Microchip Technology, or similar), and sitting on a growing but uncoordinated set of financial accounts. They're contributing to a 401(k) but aren't sure if they're maximizing it correctly. They may have equity compensation they don't fully understand the tax treatment of. And they're starting to ask whether their current financial advisor — if they have one — is actually doing proactive planning or just managing a portfolio. They want answers, not products.
No commitment. No sales agenda. 30 minutes.
