Flat-fee retirement & tax planning · Glendale, AZ
A CFP® and Enrolled Agent under one roof for Glendale and Arrowhead 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.
Glendale spans a wide range of retirement situations — established professionals in the Arrowhead Ranch corridor, longtime West Valley families, healthcare and education workers with pensions, and military-affiliated households connected to nearby Luke Air Force Base. What they share is a planning question that an investment account alone doesn't answer: how to turn what they've saved into tax-efficient income that lasts 25 to 30 years. 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.
Glendale's retiree and pre-retiree households concentrate in identifiable areas — the Arrowhead Ranch and Arrowhead Lakes corridor (85308) for established professionals, the Sierra Verde and Hillcrest Ranch neighborhoods (85310) for move-up families now approaching retirement, and the historic core for longtime residents. Each brings a different account mix. Healthcare professionals at Banner Thunderbird often have a 403(b) plus after-tax savings and no plan for distribution order. Luke AFB–affiliated households frequently combine a military pension and TSP with a civilian second-career plan — introducing a federal-pension-plus-Social-Security interaction most generalist advisors get wrong. APS employees and West Valley educators with Arizona State Retirement System (ASRS) pensions regularly underestimate how much that guaranteed income fills the lower federal brackets, which materially changes whether — and how much — to convert to Roth. And longtime small-business owners in the downtown and Westgate corridors often arrive with a large pre-tax balance and no strategy for the RMDs now bearing down on it.
For most Glendale 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 (a bad market in your early 60s with active withdrawals does more damage than the same loss at 75), 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 have an ASRS pension, a military pension and TSP, or both, that guaranteed income fills your lower brackets before any IRA withdrawal — which changes the Social Security claiming decision and the size of any Roth conversion. We model the combined income curve before recommending either.
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 Glendale household with $1.5M+ in traditional balances, the lifetime tax difference can be six figures.
Medicare Part B and Part D premiums step up at hard income thresholds, based on your tax return from two years prior. We watch those cliffs every year so a one-time income spike (a Roth conversion, a capital gain, a large RMD) doesn't quietly cost you thousands in premium surcharges.
On a $1.5M portfolio, a 1% AUM fee is $15,000 in year one, and it compounds 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.
Glendale clients often include healthcare professionals from the Banner Thunderbird campus, Luke AFB–connected military families with pension-plus-TSP situations, APS and school-district employees with ASRS pensions, and West Valley business owners and retirees in the Arrowhead corridor. A common profile: a household with $1.5M–$3M in investable assets at or within five years of retirement, with a guaranteed income source and a pre-tax balance that have never been coordinated for tax efficiency. Many have managed their own money for years and now want a fiduciary who handles both the planning and the tax return.
No commitment. No sales agenda. 30 minutes.
