Flat-fee retirement & tax planning · Peoria, AZ
A CFP® and Enrolled Agent under one roof for Peoria and Vistancia 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.
Peoria has grown from a West Valley suburb into a destination for active-adult and pre-retiree households — from the Trilogy at Vistancia 55+ community in the north to established family neighborhoods closer to the Loop 101. For most Peoria households, the planning question isn't whether they can afford to retire. It's whether they're converting and drawing down their pre-tax accounts in the most tax-efficient order before required distributions and Medicare surcharges take that flexibility away. 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.
Peoria's retiree and pre-retiree population concentrates in the north around Vistancia — including the Trilogy at Vistancia active-adult community — and in the established corridors of Westwing Mountain, Fletcher Heights, and Sonoran Mountain Ranch. The active-adult households often relocated from higher-tax states and arrive with a pre-tax-heavy balance sheet and a fresh Arizona residency question that, handled correctly, produces real annual savings. Peoria Unified educators and City of Peoria and Maricopa County employees with Arizona State Retirement System (ASRS) pensions frequently underestimate how much that pension fills the lower federal brackets, which changes whether Roth conversions make sense. And longtime West Valley professionals and small-business owners often arrive with a large traditional IRA and no plan for the RMDs now approaching — exactly the situation where the pre-73 conversion window matters most.
For most Peoria 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 relocated to Vistancia or Peoria 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 the residency strategy 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 a Peoria household with $1.5M+ in traditional IRAs, 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 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.
Peoria clients often include active-adult retirees in Vistancia and Trilogy, Peoria Unified and public-sector employees with ASRS pensions, West Valley healthcare professionals, and pre-retirees in the Westwing and Fletcher Heights corridors. A common profile: a household with $1.5M–$3M in investable assets, recently relocated or within five years of retirement, with a pre-tax-heavy balance sheet and no coordinated plan for conversions, Social Security timing, and tax filing. Many have managed their own money for years and now want a fiduciary who handles both the planning and the return.
No commitment. No sales agenda. 30 minutes.
