Helping families with tax-efficient retirement planning

     and investment management as a flat-fee fiduciary    

Are you asking these questions?

  • Is our retirement plan built to handle the unexpected?

  • Are we on track to retire comfortably and maintain our lifestyle?

  • What’s the best way to draw income from my investments without running out of money?

  • Should I consider annuities or other guaranteed income strategies in my retirement plan?

  • What’s the best way to transition ownership of my business to my children or employees?

  • What’s the best strategy for delaying or minimizing taxes on my retirement withdrawals?

  • Are we missing out on tax deductions or credits that could lower our overall tax liability?

  • Are we maximizing our income & resources for tax efficiency?

  • Should I withdraw from taxable accounts first to keep my tax bracket lower in retirement?

  • How do we navigate the ups and downs of stock market volatility?

In the Press:

    Need clarity on these questions?     

A Decade of Experience: Helping Clients Secure Their Financial Future

2011 - 2014 | Morgan Stanley Wealth Management

As a Client Service Associate and Analyst, I built retirement income and investment plans for retirees with over $5Million in Investments and helped those families with building and securing generational wealth strategies while maximizing their resources and reducing risks and lowering their tax liabilities.

2015 - 2017 | Fidelity Investments & Acquired my CFP® Marks

In 2016, I received my CFP® marks and became a Certified Financial Planner, I guided retirees and pre-retirees in managing investments to sustain their lifestyle through market volatility. I build tax-efficient retirement income plans to secure their long-term financial health while making sure stock market volatility did not jeopardize their lifestyle.

2017 - 2018 | Northwestern Mutual

During this time I worked with high-income earning families and small business owners and crafted investment and tax-efficient strategies and made sure they maximized their wealth-building opportunities while mitigating financial risks.

2018 - 2021 | The Holland Group Retirement Advisors

Specialized in pre-retiree and retiree financial planning, focusing on tax efficiency, risk management, and income strategies. Designed plans that provided confidence and security in retirement.

2021 - 2022 | Facet Wealth

Served as a Lead Financial Planner, acting as a financial coach and educator. Helped clients stay focused on their goals, make informed decisions, and navigate life’s financial challenges with clarity.

2022 - Present | Your Personalized CFO at Singh PWM

I founded Singh PWM and now I work directly with you—helping you build a tax-efficient, risk-adjusted financial plan so you can retire with peace of mind.

Financial advisor in Scottsdale, Phoenix, Marana, Tucson providing flat fee-only, fiduciary investment management, retirement planning and financial planning.

Why choose Singh PWM?

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Why choose Singh PWM? ***

Financial planning should be clear, transparent, and focused on you. Here’s how Singh PWM stands out:

Flat-Fee Fiduciary

Singh PWM operates on a simple, transparent flat annual fee—not a percentage of assets. No product sales or commissions, making sure that the advice is always in the client’s best interest.

Retirement Planning Specialist

Over a decade of experience guiding thousands of families through retirement. Expertise in building plans that prioritize financial security, income sustainability, and peace of mind.

Tax Planning Built In

Most advisors can’t provide tax advice—Singh PWM can. Tax minimization strategies are integrated into every aspect of financial planning. Tax preparation services are available through Singh PWM Tax Solutions, a separate company under common ownership.

Independent & Unbiased Advice

A Registered Investment Advisor (RIA)—completely independent from banks, brokerage firms, and insurance companies. Advice is unbiased, unrestricted, and focused on the client.

100% Fiduciary, 100% of the Time

Some advisors are only fiduciaries part-time. As a Flat-Fee Fiduciary, I am legally and ethically required to put your best interests first—always.

Social Security & Medicare Expertise

Maximizing Social Security and navigating Medicare is critical for retirement. I help you make informed decisions so you get the most out of your benefits.

Business Structure & Tax Planning

Choosing the right business structure (LLC, S-Corp, C-Corp) can save you money and protect your assets. I help business owners minimize taxes, maximize deductions, and create a strategy for long-term financial success.

Virtual & Hassle-Free Support

Based in Red Rock Marana, AZ, and Phoenix, AZ, but working virtually with business owners across the country. Get expert financial guidance, no matter where you are.

Financial advisor in Scottsdale, Phoenix, Marana, Tucson, Arizona providing flat fee-only, fiduciary investment management, retirement planning and financial planning.

Financial advisor in Scottsdale and Phoenix providing flat fee-only, fiduciary investment management, retirement planning and financial planning.

Free Resources     

Want to see what my clients have to say?

  • Arjun

    “Not only did Raman educate me on my financial wellbeing, he also helped me identify my risks and how I can mitigate them. He truly is your personalized CFO. Extremely personable and trustworthy, highly recommend.”

  • Bryce

    “Raman is an exceptional financial advisor. From the moment we began working together, Raman demonstrated a deep understanding of my financial goals and crafted a personalized plan that perfectly aligned with my needs and goals, and helped mitigate risk that I was exposing myself too. His expertise and knowledge are unparalleled and he always takes the time to explain complex financial concepts in a clear and understandable way. I can honestly say that my families financial well being, both current and future, have been dramatically improved by working with Raman.”

  • Marsh

    “Raman is about as top tier as it gets when It comes to not only helping you build your business, the very life you dream of as well. Super knowledgeable and a good teacher. I highly recommend singh pwm if your wanting to grow your financial freedom”

  • Mayra

    “I've worked with Raman for about 4 years now. Raman has become my financial companion. As an attorney, my knowledge about my finances were close to zero. During the first year of working with him, he educated me and explained the why of things, why I needed to have this account, why I needed to invest here and not there, etc. and he always listened to my goals. Because of him I can now say that I have peace of mind with respect to my finances. Obviously my goals have changed over the past years, but I'm grateful that he's always been with me to advise what is best for my particular situation. Raman has become my trusted and close advisor. I wouldn't do any financial movement without consulting with him first. Also, he is always available via text which is amazing ;)

    Tl;dr - I don't know what I'd do without Raman as my financial planner!”

  • Ryan & Latha

    “We’ve been working with Raman for over a year now and he is absolutely phenomenal. He is thorough, passionate, and extremely skilled. With his guidance, our finances have improved immensely. I truly couldn’t imagine a better financial planner!”

  • Shehan

    “Not only helped identify and straighten out immediate cashflow optimization opportunities but also helped set major goals and achieve them in a much shorter time frame than thought possible. Really dedicated, super responsive and insanely knowledgeable, honestly my personal and business finances would not be where they are today without Raman. One of the biggest differences between him and other financial planners is you feel more like a partner than a client and with that level of support you can actually hit goals fast and see real change.”

  • Viju

    “I used to think that working with financial planners was a waste of money. That changed when I started working with Raman. He is more than just an investment advisor. He is my personal CFO. He is fully aware of my financial situation. I am able to run by him any questions that relate to my financial well being. Whether I have questions about my insurance policies or alternate investment ideas, he is there to help. If he doesn't know enough about a topic, he does the research and gets back to me very promptly. I know I can count on him to not give me false information. I know I am in good hands. I would highly recommend Raman.”

These testimonials were provided by clients of Singh PWM LLC. The clients were not compensated, nor are there material conflicts of interest that would affect the given statements. The statements may not be representative of the experience of other current clients and do not provide a guarantee of future performance, success or similar services.

Hi, I’m Raman, and my story starts in India, where life wasn’t easy. At just 12 years old, my parents made the difficult decision to send me to Texas to live with my grandparents, hoping I’d have a better future. I found myself in a small apartment with eight family members, where money was tight, and every dollar mattered.

Those early experiences taught me a valuable lesson: planning ahead is the key to financial security, no matter where you start.

Determined to build a better future, I put myself through college while working three jobs, studying Finance at the University of Houston. A mentor, Mike Cook, gave me a life-changing opportunity at Morgan Stanley, launching my 13-year career at firms like Fidelity and Facet Wealth. I became a Certified Financial Planner™ in 2016, committed to helping people make confident financial decisions.

But along the way, I saw how the financial industry often failed the very people who needed help the most—retirees, pre-retirees, and small business owners. Too many advisors were focused on selling commission-based products or charging high fees without truly guiding their clients through critical decisions like retirement planning, tax strategies, and estate planning.

So in 2023, I started my own firm, built on transparency, integrity, and real financial planning. As a flat-fee fiduciary, I don’t sell products or take commissions—I provide clear, unbiased advice to help my clients retire confidently, reduce taxes, and protect their legacy.

Today, I work with retirees navigating their financial future, pre-retirees optimizing their retirement plans, and small business owners balancing their personal and business finances. Whether you're transitioning into retirement, creating a tax-efficient withdrawal strategy, or ensuring your estate is set up for your loved ones, I’m here to help.

I’m a husband, father to my newborn son Luke, and someone who believes in honest, practical financial advice. My mission is simple: help you retire with confidence, minimize taxes, and secure the future you’ve worked so hard to build.

Raman Singh

Certified Financial Planner™

Your Personalized CFO

"Serving others is the purest and most fulfilling form of satisfaction in life."

     Services & Fees      

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     Services & Fees       *

           Flat Annual Fee         

$8,000 Per Year

Services offered within this annual fee

Initial Holistic Plan Snapshot

  • A comprehensive financial assessment tailored to individual and business needs

  • Detailed cash flow analysis, investment review, and tax-efficient strategies

Unlimited Access to Holistic Planning Platform

  • 24/7 access to a personalized financial dashboard via eMoney

  • Real-time tracking of net worth, investments, and projected cash flow

Quarterly Virtual Planning Meetings

  • Regular check-ins to adjust strategies as financial markets, tax laws, and life situations change

  • In-depth discussions on retirement income planning, portfolio rebalancing, and tax-efficient withdrawals

Risk Identification Planning

  • Assessment of potential financial risks and protection strategies

  • Review of insurance coverage, emergency funds, and liability exposures

Personalized Financial Plan

  • Customized, actionable plan addressing short-term, mid-term, and long-term financial goals

  • Investment, retirement, and tax planning tailored to pre-retirees, retirees, and small business owners

Investment Management Services

  • Strategic, tax-efficient portfolio management with a focus on risk tolerance and long-term growth

  • Low-cost ETF model with tax-loss harvesting and individualized investment strategies

  • Portfolios held with Charles Schwab for security and transparency

Insurance Needs Analysis

  • Review of existing life, disability, and long-term care insurance policies

  • Guidance on appropriate coverage levels and cost-effective options

On-Demand Support for Major Life Changes and Events

  • Assistance with buying/selling a home, business transitions, inheritance planning, and more

  • Proactive planning for personal and professional financial milestones

Tax Planning Strategies

  • Roth conversion planning and tax-efficient withdrawal strategies

  • Coordination of business and personal tax-saving opportunities

  • Collaboration with a separately owned tax preparation firm for seamless filing

Flat Fee-Only Fiduciary Advice

  • No asset-based fees, no commissions, and no hidden costs

  • A transparent, unbiased approach to financial planning and wealth management

  • Flat Annual Fee: $8,000 per year – ensuring high-touch, comprehensive service without conflicts of interest.

Don’t want to hire on an annual retainer?

Project Rate @ $250 Per Hour 

No Commissions, No % of Assets Under Management, No Referral Fees, No Kick Backs

Providing fiduciary financial planning, retirement strategies, and investment management with a flat fee only structure for clients in Scottsdale and Phoenix and Marana and Tucson

Ready for a Personalized CFO in your life?

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