Flat-fee retirement & tax planning · Gilbert, AZ
A CFP® and Enrolled Agent under one roof for Gilbert households $1.5M+ — coordinating retirement income, equity compensation, 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.
Gilbert has become one of the highest-income suburbs in Arizona — a master-planned East Valley community where two-earner tech, healthcare, and professional households have accumulated serious wealth without always having a coordinated plan for what happens when the paychecks stop. The question for most Gilbert pre-retirees isn't whether they've saved enough. It's whether their pre-tax 401(k)s, equity compensation, and brokerage accounts are being sequenced and converted in the most tax-efficient way before required distributions and Medicare surcharges take that control away. That takes a coordinated retirement planning approach — Social Security timing, Roth conversion strategy, withdrawal order, and tax filing working as one. 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.
Gilbert's pre-retiree population skews younger and higher-income than most Arizona suburbs, and it clusters into recognizable corridors — Power Ranch and Seville in the south for established families, Val Vista Lakes and Agritopia for longer-tenured professionals, and the Cooley Station/Higley growth corridor for dual-income tech and healthcare households. Each arrives at the planning conversation with a different problem. Tech professionals at GoDaddy, Deloitte, and the broader Phoenix tech corridor frequently carry RSUs, ESPP shares, and concentrated employer stock that need to be diversified and tax-managed before retirement income begins — not after a vesting cliff has already created a six-figure tax event. Healthcare professionals at Banner Gateway and Mercy Gilbert often have a mix of 403(b), 401(k), and after-tax savings with no plan for the order in which to draw them. And Gilbert and Higley district educators and public employees with Arizona State Retirement System (ASRS) pensions routinely underestimate how much that pension fills the lower federal brackets — which changes whether Roth conversions make sense and in what amount. The common thread: high income masking an uncoordinated distribution plan.
For Gilbert households, the decade from roughly 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 (a bad market in your early 60s with active withdrawals does more damage than the same loss at 75), when 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 when Medicare IRMAA brackets start to govern every income decision in your 70s. For a high-earning Gilbert household with concentrated equity comp, these are also the years to unwind that concentration tax-efficiently. Most six- and seven-figure planning mistakes are made — or locked in — during these ten years.
RSUs, ESPP, and concentrated employer stock are best diversified during the lower-income years between peak earning and RMDs — coordinating capital-gains harvesting, charitable strategies, and the Roth conversion runway so the unwind doesn't all land in one high bracket.
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 a Gilbert household with $1.5M+ in traditional balances, the lifetime tax difference can be six figures.
If you have an ASRS pension, a 403(b)/401(k), and Social Security, the order in which you draw from each 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 it grows every year the portfolio does, whether or not the advice changes. Over a 25-year retirement, the compounded cost of a percentage fee versus a flat annual fee on the same advice is routinely six figures of foregone growth. We charge a flat annual fee that doesn't scale with your assets, doesn't change because you paid off your mortgage, and never depends on selling you a product.
Gilbert clients are often dual-income professionals in their late 40s to early 60s — tech and finance employees with equity compensation, healthcare professionals at the Banner Gateway and Mercy Gilbert campuses, business owners, and public employees with ASRS pensions. A common profile: a household with $1.5M–$3M in investable assets, strong income, and the dawning realization that no one has ever coordinated their tax strategy, equity compensation, Social Security timing, and investments into a single plan. Many already have an advisor managing money but have never had proactive, tax-integrated planning.
No commitment. No sales agenda. 30 minutes.
