Free webinar · 45 min · Live + on-demand
The $500K Tax Trap: three retirement mistakes high-net-worth pre-retirees walk into
If you're 5–15 years from retirement with $2M+, three specific tax traps can quietly cost you hundreds of thousands in retirement income. A CFP+EA breaks down how they form, how to spot them in your own plan, and how coordinated planning routes around them.
- • Led by Raman Singh, CFP® & Enrolled Agent — 13+ years in the industry
- • Flat-fee fiduciary — no product sales, no commissions
- • Educational only — not personalized advice
What you'll learn
The Roth conversion window you may be missing
Most pre-retirees don't realize the narrow years between early retirement and RMD age are the single most valuable tax-planning window of their life — and it's often under-used or misused.
The IRMAA surcharge most advisors ignore
A Medicare IRMAA surcharge can quietly add thousands a year to a high-income retiree's healthcare costs. It's mechanical, predictable, and most 1% AUM advisors never model it.
Why siloed advice leaks six figures over retirement
When your advisor, CPA, and estate attorney don't coordinate, decisions in one bucket undo savings in another. A CFP+EA sitting at the center changes the math.
Who this is for
Pre-retirees 50–70 with $2M+ in investable assets, 5–15 years from retirement, and complex situations — stock options, rental properties, multiple account types, or business entities. If your finances are simple, this won't help you.
Why Raman Singh, CFP® & EA
13+ years across Morgan Stanley, Fidelity, and Facet Wealth. Dual CFP + Enrolled Agent credentials mean tax strategy isn't referred out — it's built into your plan. Singh PWM is flat-fee, fiduciary, and doesn't sell products or earn commissions.
What happens after the webinar
If you want to see how these strategies apply to your specific situation, you can book a no-pressure Strategic Fit Interview directly with Raman. No sales pitch, no "limited slots" theater — either we're a fit to work together or you walk away with a clearer picture.
Frequently asked
- Is this actually free?
- Yes. The webinar is educational and free. Singh PWM is paid only through flat fees by clients who choose to engage after a Strategic Fit Interview.
- Will you try to sell me something?
- No products. No commissions. No "special offer for webinar attendees only." At the end, you're invited to book a free Strategic Fit Interview if you'd like to discuss your specific situation.
- What if I can't attend live?
- Register anyway. We'll send a recording and your library of past sessions will unlock.
- How is this different from 1% AUM advisors?
- A 1% AUM fee on a $2M portfolio is $20,000/year — forever. Singh PWM's Personalized CFO service is $10,000/year flat and includes investment management, tax prep, and estate coordination. We explain the math in the webinar.
Prefer a direct conversation?
If you'd rather skip the webinar and talk through your specific situation, book a free Strategic Fit Interview.
Educational content only. Not individualized investment, tax, or legal advice. Singh PWM is a registered investment advisor; please review our ADV before engaging.