Flat-fee retirement & tax planning · Flagstaff, AZ
A CFP® and Enrolled Agent under one roof for Flagstaff-area retirees and NAU-affiliated professionals, coordinating retirement income, Roth strategy, and tax preparation on a transparent annual fee. No percentage of assets. No commissions.
No commitment. No sales agenda. 20 minutes.
Flagstaff's economy runs on Northern Arizona University, tourism, and the surrounding national forest system, which produces a retiree population unlike anywhere else in the state: university faculty and staff with ORP or ASRS-style retirement plans, healthcare professionals, and outdoor-lifestyle relocators drawn by the four-season climate and proximity to the Grand Canyon and Sedona. Singh PWM brings a coordinated retirement planning approach to Flagstaff-area clients: retirement income, tax strategy, and investment management in a single integrated plan, on a flat annual fee.
For a full breakdown of the retirement tax issues most relevant to Arizona residents, see our Retirement Tax Planning in Arizona guide.
Flagstaff's retiree and pre-retiree population is smaller and more specialized than the Valley's, and it clusters around a few identifiable groups. NAU faculty and staff often carry an Optional Retirement Plan (ORP) or 403(b) balance alongside a smaller Arizona State Retirement System (ASRS) component from earlier service, and the rollover, distribution, and survivor-election decisions between them aren't interchangeable. Northern Arizona Healthcare and Flagstaff Medical Center employees typically have a 403(b) or 401(k) with no coordinated plan for distribution order. And a meaningful share of Flagstaff retirees relocated specifically for the climate and outdoor lifestyle, arriving with retirement accounts from an out-of-state career that need consolidating and a residency transition to manage correctly.
For most Flagstaff households, the decade from 55 to 65 is the highest-leverage planning window: the gap between W-2 income ending and Social Security starting opens a low-bracket Roth conversion runway that closes once benefits and RMDs begin, and Medicare IRMAA brackets start to govern income decisions in the years after. For NAU-affiliated households, the additional question is how an ORP or ASRS pension interacts with that sequencing, since guaranteed pension income changes both the size and timing of any Roth conversion.
If you have an ORP, a 403(b), and possibly an ASRS component from earlier state service, the distribution mechanics and survivor elections differ between them and some choices lock in at retirement and can't be undone. We map all of it together with Social Security before any election is signed.
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 Flagstaff retirees who moved from out of state for the climate and lifestyle, the first two years are when residency documentation and old employer-plan consolidation either get handled correctly or don't. We treat this as part of the initial engagement.
On a $1.2M Flagstaff household portfolio, a 1% AUM advisor is collecting $12,000 a year for portfolio management alone, not for ORP-versus-ASRS analysis, residency cleanup, or in-house tax preparation. Our flat annual fee covers the actual planning work at a transparent cost that doesn't scale with your assets.
Flagstaff clients often include NAU faculty and staff approaching or recently past retirement, Northern Arizona Healthcare employees, and out-of-state relocators drawn by the climate and outdoor lifestyle. A common profile: a household with $1M-$2M in retirement assets, a university or healthcare retirement plan they haven't fully coordinated with Social Security, and a preference for direct access to a single advisor rather than a call center.
No commitment. No sales agenda. 30 minutes.
