Flat-fee retirement & tax planning · Prescott, AZ
A CFP® and Enrolled Agent under one roof for Prescott-area retirees, 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.
Prescott has built its reputation as one of Arizona's premier retirement destinations: a mile-high climate that trades desert summers for four real seasons, a walkable historic downtown, and a steady stream of retirees relocating from Phoenix, California, and the Midwest. That relocation is exactly when planning mistakes get made. Consolidating old 401(k)s, deciding when to claim Social Security, and figuring out how to draw retirement income tax-efficiently in a new state all happen at once, usually without anyone coordinating the pieces. Singh PWM serves Prescott-area retirees with a coordinated retirement planning approach that integrates income strategy, tax work, and investments under a single transparent annual fee.
For a full breakdown of the retirement tax issues most relevant to Arizona residents, see our Retirement Tax Planning in Arizona guide.
Prescott's retiree population clusters around a handful of well-known corridors: the golf communities of Hassayampa Village and Talking Rock Ranch draw retirees who moved specifically for the cooler climate and a slower pace, Prescott Lakes and Yavapai Hills house a mix of longtime residents and more recent Phoenix-area transplants, and the historic downtown core attracts retirees who want walkability over acreage. Many arrive having spent decades in the Valley or out of state, with retirement accounts scattered across several old employer plans and no coordinated plan for how to draw from them. The relocation itself, establishing Arizona residency, consolidating old 401(k)s, and re-evaluating a Social Security claiming decision made under a previous state's tax assumptions, is often the first planning conversation, followed quickly by the more consequential one: how to sequence withdrawals and manage RMDs tax-efficiently for a retirement that could last 25-30 years.
For a Prescott retiree who relocated in their early-to-mid 60s, the decade surrounding that move is the highest-leverage window in the plan. It's when old employer accounts get consolidated (or don't), when the gap between leaving work and Social Security starting opens a low-bracket Roth conversion runway, and when Medicare IRMAA thresholds start to matter for the first time. Getting the relocation and the distribution-phase decisions right in the same window, rather than treating them as separate problems, is where most of the value gets created or lost.
The first two years after a move to Prescott are when residency documentation, part-year state returns, and old employer-plan consolidation either get handled correctly or don't. We treat this as part of the initial engagement rather than a separate project.
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 Prescott household with $1M+ in traditional IRAs, the lifetime tax difference can be substantial.
The order in which you draw from Social Security, pre-tax accounts, and any pension 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 Prescott retiree's portfolio, a 1% AUM advisor is collecting $15,000 a year, and that fee buys a portfolio manager, not a relocation-cleanup specialist or in-house tax preparer. Our flat annual fee covers the actual planning work, including tax preparation, at a transparent cost that doesn't grow with your wealth.
Prescott clients are typically retirees or near-retirees in their early 60s to mid-70s, many relocated from Phoenix, California, or the Midwest specifically for the climate and pace of life. A common profile: a household with $1M-$2.5M in retirement assets spread across several old employer accounts, a Social Security decision recently made or approaching, and a desire for someone to coordinate the whole picture rather than just manage a portfolio.
No commitment. No sales agenda. 30 minutes.
