Fee-only retirement & tax planning · Sun City, AZ
A CFP® and Enrolled Agent under one roof for Sun City retirees — coordinating RMDs, Roth conversions, Medicare surcharges, and tax preparation on a transparent annual fee. No percentage of assets. No commissions. No handoffs.
No commitment. No sales agenda. 20 minutes.
Sun City is the original Del Webb active-adult community and one of the country's best-known retirement destinations. Its residents are, by definition, retired — which means the central planning questions are about distribution, not accumulation: how to manage growing RMDs, whether Roth conversions still make sense, how to avoid Medicare surcharges, and how to pass assets to heirs efficiently. That calls for a coordinated retirement planning approach that integrates RMD timing, Roth conversion strategy, Social Security and survivor planning, and tax filing. 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.
Sun City's households are overwhelmingly retired couples and individuals in their late 60s to 80s, and the planning concerns reflect that life stage. Most have Social Security, a pension or 403(b)/401(k), and an IRA that grew substantially during working years and is now generating mandatory distributions they weren't fully prepared for. The recurring issues are mechanical but costly if unmanaged: RMDs that climb each year as the IRS divisor shrinks; Medicare Part B and D surcharges triggered by income spikes; surviving-spouse tax exposure when one partner passes; and portfolios still positioned for growth rather than income. Many residents have invested on their own for years and now want someone to coordinate the distribution side — not to gather assets and charge a percentage of them.
In Sun City the red-zone math is already live. Sequence-of-returns risk bites hardest in the early withdrawal years that many residents are in now, every income decision runs into a Medicare IRMAA threshold set two years prior, and a large pre-tax IRA quietly builds a surviving-spouse tax problem for whichever partner outlives the other. Even after RMDs have begun, bracket-aware conversions and Qualified Charitable Distributions can change the trajectory. The decisions made — or deferred — in these years still carry six-figure consequences over a long retirement.
RMDs climb each year as the life-expectancy divisor shrinks, and an income spike can trigger Medicare Part B and D surcharges two years later. We manage the annual income picture deliberately so distributions, conversions, and capital gains don't quietly cost you thousands in premium surcharges.
Even once required distributions have started, partial Roth conversions in lower-income years and Qualified Charitable Distributions that satisfy your RMD directly to charity (tax-free) can meaningfully reduce the long-term tax burden on a growing IRA.
When one spouse passes, the survivor files as single at compressed brackets, so the same income is taxed far more heavily. We plan the conversion and beneficiary strategy years ahead so the transition — and the eventual transfer to heirs — is as tax-efficient as possible.
A 1% AUM fee on a $1.5M portfolio is $15,000 every year — for a retiree whose advice needs are largely about distribution, not stock-picking. 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 the market went up, and never depends on selling you a product.
The typical Sun City client is a retiree or recently retired adult in their late 60s to mid-70s — often a couple with a combination of Social Security, a pension or 403(b)/401(k), and an IRA that has grown significantly but is now generating mandatory distributions they weren't fully prepared for. Many arrive having done their own investing for years and are now looking for someone to coordinate the distribution side: RMD timing, Roth conversion evaluation, Medicare surcharge management, and whether their current portfolio is structured for income rather than growth. They want a fiduciary who handles both planning and tax preparation, so they don't have to coordinate between a planner and a CPA who never speak to each other.
No commitment. No sales agenda. 30 minutes.
