
Helping families with tax-efficient retirement planning
and investment management as a flat-fee fiduciary
Are you asking these questions?
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Is our retirement plan built to handle the unexpected?
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Are we on track to retire comfortably and maintain our lifestyle?
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What’s the best way to draw income from my investments without running out of money?
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Should I consider annuities or other guaranteed income strategies in my retirement plan?
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What’s the best way to transition ownership of my business to my children or employees?
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What’s the best strategy for delaying or minimizing taxes on my retirement withdrawals?
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Are we missing out on tax deductions or credits that could lower our overall tax liability?
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Are we maximizing our income & resources for tax efficiency?
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Should I withdraw from taxable accounts first to keep my tax bracket lower in retirement?
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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
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?
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!
I didn’t grow up thinking I’d become a financial planner.
I was born in India, and when I was 12, my parents made the incredibly tough decision to send me to Texas to live with my grandparents, hoping I’d have a shot at a better future.
That experience taught me a lot, especially about the importance of planning ahead and being intentional with your finances, no matter where you're starting from.
I worked three jobs to put myself through college, studied Finance at the University of Houston, and eventually landed an opportunity at Morgan Stanley thanks to a mentor who believed in me. That kicked off a 13-year career at places like Fidelity and Facet Wealth. I became a CFP® in 2016 because I wanted to give people the kind of honest, transparent guidance I wish my own family had growing up.
But the more time I spent in the industry, the more I realized how broken it was. Too many advisors were pushing products or charging hefty fees without actually solving the real problems people face—like how to turn their savings into reliable income, reduce their taxes, or make sure their family’s taken care of.
So in 2023, I started Singh PWM. A flat-fee, fiduciary firm built on one simple belief: financial advice should be clear, conflict-free, and actually helpful.
Today, I work with retirees and pre-retirees figuring out their next chapter, and business owners trying to juggle personal and professional finances. Whether it’s building a retirement income plan, cutting taxes, or getting your estate in order, I’m here to be your guide.
I’m also a husband, a new dad to my son Luke, and someone who still believes that doing the right thing matters.
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 RightCapital
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 be 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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