Overwhelmed by Financial Decisions?    

Let Your Personalized CFO Simplify Your Path

Financial advisor in Scottsdale and Phoenix 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.

Are These Questions Keeping You Up At Night?

  • Is my financial plan built to handle the unexpected?

  • Are we on track to retire comfortably?

  • How do we minimize taxes while building wealth?

  • Are we taking the right amount of risk with our investments?

  • Are we doing the best thing for our children’s future?

  • What steps should I take to ensure my family is financially secure if something happens to me?

  • Am I missing out on opportunities to reduce my tax liability?

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

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Serving Families Since:            

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

2012                          

CFP® Since:                

2016              

Clients Served:                         

1,000+    

and counting

In the Press:

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  • "We have $1 million in high-yield savings and CDs set aside to buy a house. Should we move our money if the Fed cuts rates?"

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  • "I started working with a financial planner this year and I've already saved and invested more than I ever had before"

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  • "Financial advisors get flexible with fees — with or without AUM charges"

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Simplifying Your Financial Plan

  • Cash Flow Planning

    Optimize cash flow to ensure every dollar works toward financial goals

  • Investment Planning

    Design personalized tailored investment strategies to grow and protect wealth.

  • Tax Planning

    Minimize tax liabilities and keep more of what is earned

  • Insurance planning

    Secure the future with understanding your risk management needs.

  • Employer Stock & Benefits Planning

    Maximize the value of employer stock and benefits to enhance the financial plan

  • Small Business Planning

    Empower small business owners with strategies to build, grow, and protect their enterprises

  • Estate Planning

    Educate you on thoughtful estate plans to preserve legacies and protect loved ones.

  • Major Life Events Planning

    Guide through life’s big transitions with customized financial strategies for every milestone.

Schedule Your Intro Call

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.”

Schedule Your Intro Call

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.

Don’t feel ready to work with an advisor?

Break down your financial problems into Financial Vitals

Your Financial Vitals Bloodwork Report

A Financial Vitals Snapshot is your Financial “Bloodwork” Report that shows you exactly where you are, where you're going, and the vitals you should be working on improving.

By reviewing the Top 10 Financial elements of your report, you can see your current status of your financial vitals and future direction to make improvements as necessary.

With over 12 years of industry experience, a selection of 10 hand-picked key metrics can determine your financial health, highlighting the areas you should focus on improving.

Flat-fee, fiduciary financial advisor serving Scottsdale and Phoenix, specializing in investment management, retirement planning, and comprehensive financial planning

Here’s how the Financial Vitals Report helps you

  • Prioritized Goals

    Prioritize your goals by identifying what’s truly important, so you stay laser-focused on your vision and avoid wasting time on distractions

  • Actionable Next Steps

    Turn your goals into reality by creating a solid plan with clear, repeatable steps that keep you moving forward consistently and efficiently

  • Financial Vitals

    Your financial vitals are the key numbers and metrics that keep your financial plan on track—knowing them ensures you're always aware of your financial health and ready to make smarter decisions

  • Current Financial Status

    Your current financial status tracks your net worth progress, keeping you updated and aware so you can make informed decisions and stay on top of your financial goals.

Get Your Financial Vitals Report

Get sample experience of how Your Personalized CFO can help

Here are some questions we help answer:

Estate Status

Helps determine how prepared you are to answer end-of-life financial questions.

Estate status (Es) is calculated by dividing the current amount of estate planning you've completed and had reviewed by the amount of estate planning you still need.
Current Estate Planning
Recommended Estate Planning

Liquid Term

Estimates the number of years you could live on cash or cash-like assets outside of retirement plans. Also indicates the amount of after-tax money you could access if needed.

Liquid term (Lt) is calculated by dividing your total liquid assets by your estimated annual living expenses.
Total Liquid Assets
Annual Living Expenses

Qualified Term

Estimates the number of years you could live on the assets you have within qualified plans assuming withdrawals are for qualified purposes (ignoring inflation, taxes, and fees).

Qualified term (Qt) is calculated by dividing your total retirement accounts by your estimated annual living expenses.
Total Retirement Accounts
Annual Living Expenses

Business Term

Estimates the number of years you could live on your current business equity (ignoring inflation, taxes and fees). It also indicates how much of your wealth is concentrated in the business.

Business term (Bt) is calculated by dividing your total business equity by your annual living expenses.
Total Business Equity
Annual Living Expenses

Serving Scottsdale and Phoenix, our flat fee only fiduciary financial advisory firm offers expert investment management, retirement planning, and personalized financial planning services

A Financial Snapshot is your Financial “Bloodwork” Report that allows us to get to know you and provide some general feedback on your situation at no cost to you!

Valued at $1,000

4 Steps and 10 Minutes Of Your Time

Step 1: Click the “Get Your Free Financial Fitness Bloodwork Report” Link Below

Step 2: Follow the instructions to answer questions to generate your Financial Vitals Bloodwork Report

Step 3: Receive a Personalized Video on findings & recommendations

Step 4: Option to book a Free 30-minute follow-up meeting with your questions

Hi, I’m Raman, and my story starts in India, where life wasn’t easy. When I was just 12 years old, my parents made a difficult decision to send me to Texas to live with my grandparents. They wanted me to have a chance at a better future, but it wasn’t simple. I found myself in a small apartment, sharing space with eight family members, where money was tight, and every dollar mattered.

Those early days taught me something important: no matter how little you have, planning for the future makes all the difference.

As I grew up, I worked hard to make sure I wasn’t a burden to my family. I held three jobs while putting myself through college, studying Finance at the University of Houston. A mentor, Mike Cook, gave me a life-changing opportunity to intern at Morgan Stanley. That was the start of a 13-year journey where I worked at firms like Fidelity and Facet Wealth, eventually earning my Certified Financial Planner™ designation in 2016.

But along the way, I saw things I couldn’t ignore. Too many financial advisors were focused on selling commission-based products or charging high fees without really helping people understand their money. I saw how confusing and unfair the system could be for regular people—people like the ones I grew up with, who just wanted someone to guide them, honestly and transparently.

So in 2023, I started my own firm, built on the values I hold close. As a flat fee-only fiduciary, I don’t sell products or take commissions. I don’t charge a percentage of your investments. Instead, I charge a flat fee and focus on what truly matters—helping you plan, teaching you along the way, and being there to support you through life’s changes.

Whether you’re buying your first car, saving for your child’s education, or preparing for retirement, I’ll be your partner in making those dreams a reality.

I’m a husband, soon-to-be father, and someone who feels deeply grateful for the chance to use my experience to help others. My mission is simple: to do what’s right and to help you build the future you deserve.

Raman Singh

Certified Financial Planner™

Your Personalized CFO

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

     Services & Fees      

        Holistic Planning           

$3,600 Per Year

✓ Initial Holistic Plan Snapshot

✓ Consumer Debt & Student Loan Planning

✓ Unlimited Access to Holistic Planning Platform

✓ Proactive Educational Resources, Webinars Access, Newsletters, Fitness Challenges

✓ Semi-Annual Financial Plan Snapshot Updates

✓ Quarterly Virtual Planning Meetings

✓ Risk Identification Planning

✓ Personalized Financial Plan

✓ Investment Management Services**

✓ Employer Benefits Analysis

✓ Investments Review & Recommendations for Self-managed Investors

✓ Insurance Needs Analysis

✓ Education Planning

✓ On Demand Support for Major Life Changes and Events

✓ Tax Planning Strategies

✓ Flat Fee-only Fiduciary Advice

  1. Tax Planning Strategies for Personal Taxes Only which includes Employer Stock Planning. For Business Taxes and Business Tax Planning, there will be a surcharge and potentially outsourcing of work.

  2. Investment Management Services for any portfolios under $1,000,000 for Holistic Planning included in the fee.

  3. Tax Preparation Services Available for additional cost

  4. Estate Planning Documents Preparation Services Available for additional cost

Flat Investment Management Fee

$3,600 Per Year

Assets up to $1,000,000

——————————————————————————

$6,000 Per Year

Assets From $1,000,000 - $1,999,999

——————————————————————————

$8,000 Per Year

Assets From $2,000,0000 - $4,999,999

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$12,000 Per Year

Assets From $5,000,000+

——————————————————————————

✓ Initial Holistic Plan Snapshot

✓ Unlimited Access to Holistic Planning Platform

✓ Semi-Annual Virtual Planning Meetings

✓ Risk Identification Planning

✓ Personalized Financial Plan

✓ Investment Management Services

✓ Insurance Needs Analysis

✓ On Demand Support for Major Life Changes and Events

✓ Tax Planning Strategies

✓ Flat Fee-only Fiduciary Advice

Hourly Project Rate @ $250 Per Hour          

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

So are you ready for a Personalized CFO in your life?

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