Fee-only retirement & tax planning · Sun City West, AZ
A CFP® and Enrolled Agent under one roof for Sun City West 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 West is a Del Webb active-adult community of retirees who have, in most cases, been managing their own finances for years — and are increasingly aware that the decisions ahead are more complex than a brokerage account and a spreadsheet can handle. Growing RMDs, Medicare cost exposure, Social Security survivor planning, and efficient transfers to heirs all converge in this stage. That calls for a coordinated retirement planning approach that integrates RMD timing, Roth conversion strategy, survivor and legacy 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 West residents are typically retirees in their late 60s to early 80s who have managed their own money for years but increasingly recognize that the decisions ahead are more complex than they look. Many have significant pre-tax IRA balances and are beginning to feel the pressure of forced distributions — RMDs that grow annually, Medicare surcharges that respond to income two years prior, and the surviving-spouse tax exposure that a large traditional IRA creates. The recurring need is for someone to coordinate the distribution side specifically: RMD strategy, Roth conversion evaluation, survivor planning, and the question of how to leave assets to heirs efficiently. They want a specialist who understands their situation, not a generalist who manages a portfolio and files a return as separate engagements.
For Sun City West retirees, the red-zone decisions are present-tense. Sequence-of-returns risk affects the withdrawals being taken now, every income decision interacts with a Medicare IRMAA threshold set two years earlier, and a large pre-tax IRA is quietly building a surviving-spouse tax problem. Even after RMDs have begun, bracket-aware conversions and Qualified Charitable Distributions can still change the trajectory and the eventual transfer to heirs. The choices made — or deferred — in these years 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 needs are about distribution and tax coordination, 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.
Sun City West clients are typically retirees in their late 60s to early 80s who have been managing their own finances for years but are increasingly aware that the decisions ahead — Social Security survivor planning, growing RMDs, Medicare cost exposure, and how to distribute assets to heirs efficiently — are more complex than what a brokerage account and a spreadsheet can handle. Many have significant pre-tax IRA balances and are beginning to feel the pressure of forced distributions. They want a specialist who understands their situation completely, not a generalist who manages a portfolio and files a return as separate engagements.
No commitment. No sales agenda. 30 minutes.
