I started Singh PWM because I spent over a decade watching the industry fail the people it was supposed to serve. Clients were sold products they didn't need, charged fees that compounded against them, and given advice that treated each problem in isolation — investments here, taxes there, estate planning somewhere else entirely.

This practice operates differently. No commissions. No AUM fees on assets I don't manage. No selling insurance or pushing managed account minimums. Just transparent flat fees for planning work and a clear scope of what you're paying for.

I'm a CERTIFIED FINANCIAL PLANNER™ professional and an Enrolled Agent — one of the few advisors who holds both credentials. That combination lets me build integrated retirement plans where tax strategy, investment decisions, and income planning work together instead of against each other.

I moved to the U.S. from India at a young age and started working at 13. That shaped how I think about money — it's not theoretical, and it's not a status game. It's the thing that funds the life you want to live and protects the people who depend on you. My job is to make sure your financial decisions reflect that.

Stefania grew up in Cintei, a small village in Arad, Romania, where she learned early what it means to take care of people. From a young age, she was responsible for her younger sisters, making sure they were fed, safe, and looked after while her parents worked. That kind of responsibility shapes you. It teaches you discipline, attention to detail, and how to anticipate what people need before they have to ask.

She moved to Phoenix five years ago, and we met three years later. Now she takes care of our family, our son Luke and our three dogs, with the same instincts she developed growing up. She notices what needs to happen before it becomes a problem. She keeps things running so I can focus on the work that matters. That's exactly what she does for Singh PWM clients.

For the past two years, Stefania worked in Medicare and marketplace health insurance customer service, helping people navigate enrollment periods, plan comparisons, subsidy calculations, and coverage changes. If you've ever tried to make sense of Medicare Part D or figure out whether you qualify for ACA premium tax credits, you know how confusing these systems are. Stefania has walked hundreds of people through them. She knows the questions people actually have, the mistakes they make, and how to explain things in plain English.

At Singh PWM, Stefania manages the operational side of the practice. She sends meeting reminders, coordinates document uploads, tracks tasks after our planning sessions, and helps clients understand their Medicare and marketplace options when we're building their retirement healthcare plan. She brings the same care and discipline to our clients that she brings to our family, and that makes a difference in how this practice runs.