Singh PWM Logo

SINGH PWM

Call (480) 420-4824

PRICING

Flat-Fee. No Percentage of AUM. Investment Management Included.

Most clients begin with a $5,000 One-Time Plan — a 3-5 month engagement that builds the full plan. From there, they choose one of two ongoing retainer tiers or part ways with the deliverables in hand.

Most advisors charge 1% of assets under management. On a $2.5M portfolio, that's $25,000 a year — and it grows as your money grows. Singh PWM doesn't. Every fee is flat. Every retainer is billed quarterly.

Schedule a Strategic Fit Interview

No commitment. No sales agenda. 30 minutes.

Or read why we charge a flat fee →

STEP 1 — HOW MOST CLIENTS BEGIN

The One-Time Plan.

Almost every relationship starts here. A 3-5 month engagement that builds your full retirement, tax, and investment plan from the ground up. After it's delivered, you decide whether to continue on a retainer — or part ways with the deliverables in hand.

One-Time Plan

A defined-scope engagement to build your full retirement strategy.

Best for

Households who want a comprehensive plan but aren't sure about an ongoing relationship yet.

$5,000

flat fee · 3-5 month engagement

  • Initial deep-dive discovery session
  • Customized financial snapshot of your full picture
  • 6-10 working sessions covering cash flow, investments, retirement, tax, Roth conversions, and insurance
  • Written report and recommendations after each major topic
  • Implementation guidance you can execute yourself
  • Optional credit toward a retainer if you transition to ongoing service
★★★★★
“I engaged Raman for a one-time retirement and tax planning project. The end result wasn't what I initially expected — but it was realistic and, more importantly, workable. I came away with a clear understanding of what I need to do to retire, in what order, and what the constraints are. If you want a clear, practical plan based on real numbers — even if it's not the answer you expected — I would recommend his work.”
L.S. · One-Time Plan client · Google review
Schedule a Strategic Fit InterviewOr read how the process works →

STEP 2 — ONGOING RETAINER OPTIONS

Two ways to keep working together after your one-time plan.

The Planning tier is reserved for clients who have already completed the One-Time Plan — that's when we both have enough context for ongoing work to be priced this way. The full Personalized CFO retainer is the only direct-entry retainer if you'd rather skip the one-time engagement.

Most Popular

Your Personalized CFO

Full-service, fully coordinated.

$10,000

per year · billed quarterly ($2,500/qtr)

Direct entry available — or graduate from the One-Time Plan

Best for

Retirees and pre-retirees with $2M+ in pre-tax IRAs who want every financial decision coordinated under one roof.

  • Investment management at Charles Schwab — included
  • Tax planning + tax preparation (1040, Schedule C)
  • Roth conversion strategy modeled annually
  • Retirement income + withdrawal sequencing
  • Social Security claiming strategy
  • Estate and beneficiary coordination
  • Insurance and risk review
  • Quarterly meetings + unlimited ad-hoc email/text access
  • Coordination with attorneys and CPAs as needed

Surcharge applies for real estate depreciation, business returns, or multi-state filings.

Schedule a Strategic Fit Interview
After One-Time Plan

Personalized CFO Planning

Planning + tax filing. Keep your accounts where they are.

$5,000

per year · billed quarterly ($1,250/qtr)

Available only after completing the One-Time Plan

Best for

Existing clients who want ongoing planning and tax preparation but prefer to manage their own investments — or keep them at an existing custodian.

  • Tax planning + tax preparation (1040, Schedule C)
  • Annual Roth conversion strategy
  • Retirement income + withdrawal sequencing
  • Social Security claiming strategy
  • Quarterly planning meetings
  • Email access for major decisions between meetings
  • Estate and beneficiary review
  • Not included: Investment management

You keep your accounts at any custodian. Surcharge applies for real estate depreciation or business returns.

Schedule a Strategic Fit Interview

COMPARE THE TIERS

What's included at each level.

ServicePersonalized CFO ($10K)Planning ($5K)
AvailabilityDirect entryAfter One-Time Plan
Investment management included
Tax planning
Tax preparation (1040 + Schedule C)
Roth conversion strategy
Retirement income + withdrawal plan
Estate + beneficiary coordination
Insurance review
Meeting cadenceQuarterlyQuarterly
Ad-hoc email/text accessUnlimitedMajor decisions
CustodianCharles SchwabAnywhere
BillingQuarterlyQuarterly

FULL TRANSPARENCY

What might cost extra — and why.

Tax filing for households with rental real estate, business entities, or multi-state complexity takes meaningfully more time. Rather than bake an average cost into every client's fee, we price those situations transparently so most clients pay less.

Real estate depreciation schedules

Form 4562, cost segregation, and rental property depreciation tracking. Quoted per property based on complexity.

Business tax returns (1120-S, 1065, 1120)

S corp, partnership, or C corp returns. Quoted per entity based on revenue and complexity.

Multi-state filings

Additional state returns beyond your state of residence. Quoted per state.

What's never extra

Roth conversion modeling, Social Security analysis, retirement income planning, beneficiary review, investment oversight, and quarterly meetings — all included in your flat fee.

THE FIRST STEP IS FREE

Not sure which tier fits? Let's figure it out together.

The Strategic Fit Interview is 30 minutes. We walk through your accounts, your timeline, and the decisions you're facing — and determine together which level of service is right for you.

Schedule a Strategic Fit Interview

No commitment. No sales agenda. 30 minutes.

Or see real client outcomes →