Flat-fee retirement & tax planning · Tempe, AZ
A CFP® and Enrolled Agent under one roof for Tempe households $1.5M+ — coordinating retirement income, equity compensation, ASRS/ORP elections, 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.
Tempe is a professional's city — anchored by Arizona State University, State Farm's regional hub at Marina Heights, and a dense tech and finance corridor. Many Tempe pre-retirees are high earners in their late 40s to 50s with equity compensation, deferred income, or a university retirement plan, and a single question they haven't fully answered: is my advisor doing proactive, tax-integrated planning, or just managing a portfolio? Turning strong income into a tax-efficient retirement requires a coordinated retirement planning approach — Social Security timing, equity-comp sequencing, Roth conversion strategy, and tax filing working as one. 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.
Tempe's pre-retiree population is more professional and higher-income than most Arizona cities, and it concentrates in the established south-Tempe neighborhoods — Warner Ranch, the Corona del Sol corridor, and Tempe Royal Estates — rather than the student-heavy core. Each profile brings a different planning problem. ASU faculty and staff often have an Optional Retirement Plan (ORP) or 403(b) plus an Arizona State Retirement System (ASRS) component from earlier service, and the rollover, distribution, and survivor-election decisions are not interchangeable. State Farm and tech-corridor professionals frequently carry RSUs, deferred compensation, or concentrated employer stock that need to be diversified and tax-managed before retirement income begins — not after a vesting cliff has already created a six-figure tax event. And longtime Tempe small-business owners often arrive with a large pre-tax balance and no plan for the RMDs now approaching. The common thread is strong income masking an uncoordinated distribution and tax plan.
For Tempe professionals, the decade from roughly 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 peak earning and Social Security opens a low-bracket Roth conversion runway that closes once benefits and RMDs begin, and when Medicare IRMAA brackets start to govern every income decision in your 70s. For a high earner with equity comp or a university plan, these are also the years to unwind concentration and make ORP/ASRS elections deliberately. Most six- and seven-figure mistakes are made, or locked in, during these ten years.
An ASU Optional Retirement Plan is portable and can typically roll to an IRA at separation, opening Roth conversion and investment flexibility; an ASRS defined-benefit component has survivor elections that lock in at retirement and can't be undone. We map both with Social Security before any election is signed.
RSUs, ESPP, and NQDC are best unwound during the lower-income years between peak earning and RMDs — coordinating capital-gains harvesting, charitable strategies, and the Roth conversion runway so the unwind doesn't all land in one high bracket.
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 Tempe household with $1.5M+ in traditional balances, the lifetime tax difference can be six figures.
On a $1.5M portfolio, a 1% AUM fee is $15,000 in year one, and it grows every year the portfolio does, whether or not the advice changes. Over a 25-year retirement, the compounded cost of a percentage fee versus a flat annual fee on the same advice is routinely six figures of foregone growth. We charge a flat annual fee that doesn't scale with your assets, doesn't change because you paid off your mortgage, and never depends on selling you a product.
The typical Tempe client is a high-income professional in their late 40s to mid-50s — an ASU faculty or staff member, a State Farm or tech-corridor employee with equity compensation, or a business owner with complex income — beginning to ask whether their current advisor is doing proactive planning or just managing a portfolio. A common profile: a household with $1.5M–$3M in investable assets and strong income, where tax strategy, equity compensation, Social Security timing, and investments have never been coordinated into one plan. Singh PWM is the tax-integrated strategist that fills that gap — no product sales, no percentage of assets.
No commitment. No sales agenda. 30 minutes.
