Raman Singh, CFP®
Retirement & Tax Strategist for Age 50+ | Flat-Fee Fiduciary | CFP® Since 2016
Wealthtender Community Connect helps people discover the best financial advisors for their individual needs through their favorite blogs and podcasts.
Click Here to Learn More
Serving Clients Nationwide
Retirement & Tax Strategist for Age 50+ | Flat-Fee Fiduciary | CFP® Since 2016
Areas of Focus
- Estate Planning
- Investment Management
- Owning a Business
- Retirement Planning
- Tax-Smart Distribution Planning
- Taxes
About Raman Singh, CFP®
Hi, I’m Raman 👋I am Your Personalized CFO and a CERTIFIED FINANCIAL PLANNER™.
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.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
Affiliations
-
CFP Board
- Fee Only Network
- Flat Fee Advisors
- Garrett Planning Network
- National Association of Personal Financial Advisors
- XY Planning Network
- Fee Only Network
Primary Location
3829 N 4th ST Phoenix, AZ 85012
Additional Locations
📍 Marana, AZ
📍 Tucson, AZ
📍 Scottsdale, AZ
📍 Surprise, AZ
📍 Tempe
Video
Meeting Options
- Video Conference
Compensation Methods
- Fee Only
- Flat Fee
- Offers Advice-Only Services
- One-time Financial Plan
What to expect in the first meeting
During your first meeting, we’ll get to know each other and determine if working together makes sense, while I also walk you through how the financial planning industry really works so you can clearly see the differences between advisors. My goal is that, regardless of whether we move forward, you leave the conversation with more clarity, knowledge, and confidence than you had before.Offers Investment Management
Yes
Offers Tax Preparation
Yes
About Singh PWM
What can I expect during our introductory session?I offer a free initial consultation designed to keep things simple and transparent. In this call, we’ll get to know each other and determine if working together makes sense, while I also walk you through how the financial planning industry really works so you can clearly see the differences between advisors. My goal is that, regardless of whether we move forward, you leave the conversation with more clarity, knowledge, and confidence than you had before.
What kinds of clients benefit most from your services and approach?
The clients who benefit most from my services and approach are pre-retirees and retirees, typically in their 50s and 60s, who have accumulated $2 million or more in investable assets and want to simplify the complexity of their financial lives. They’re looking for comprehensive guidance that combines investment management, tax planning, retirement income strategies, and legacy planning to reduce risk and create a confident retirement. These clients value a flat-fee fiduciary relationship that puts their interests first, removes the noise and confusion of the financial industry, and helps them enjoy peace of mind knowing everything is taken care of.
How are your fees structured, and what can I expect to pay?
At Singh PWM, my fees are flat and transparent—never percentage-based and never commission-driven. Most clients choose between an annual retainer of $10,000 for ongoing, comprehensive planning that includes investment management and tax planning, or a one-time flat fee of $5,000 for a complete financial plan delivered over 12 weeks and support for a 5 month period to answer any follow up questions and amendments. For those with targeted needs, I also offer hourly planning at $300 per hour. For clients seeking a fully integrated experience, I provide tax preparation services and estate planning documentation prep included in the annual retainer to ensure every piece of their financial life is coordinated.
What key differentiators set your firm apart from other advisory firms?
Singh PWM is set apart by its flat-fee fiduciary model, which eliminates hidden costs and conflicts of interest found in percentage-based or commission-driven firms. The firm delivers comprehensive planning that goes beyond investments and retirement income to include cash flow monitoring, proactive tax planning, tax preparation, and estate planning documentation prep, ensuring every part of a client’s financial life works in harmony. Clients work directly with a Personalized CFO, receiving proactive, high-touch guidance that simplifies complexity and builds confidence in every financial decision.
What minimum asset level, if any, is required to become a client?
There is no asset minimum for clients who engage on a project basis or through a one-time flat-fee plan, making these services accessible regardless of portfolio size. For clients seeking an annual retainer relationship with investment management and proactive, ongoing planning, those with over $1 million in investable assets are typically the best fit, as the full scope of services—investment management, cash flow monitoring, proactive tax planning, tax preparation, and estate planning—delivers the greatest value at that level of complexity.
Who is a typical Singh PWM Client?
A typical Singh PWM client is over age 50, approaching or in retirement, and looking for tax-efficient strategies to reduce IRS burdens through Roth conversions, tax-smart withdrawals, and proactive planning. They often have complex finances—ranging from stock options and multiple accounts to rental properties, business entities, and estate needs—and want coordinated retirement, investment, and tax planning without the costly 1% AUM model.
Education
Rice University, CFP® Graduate Certificate Program, Financial Planning and Services | University of Houston-Downtown, Bachelor of Business Administration (BBA), Banking, Corporate, Finance, and Securities Law
Hobbies and Interests
- Animals
- Camping
- Cooking
- Family
- Football
- Hiking
- Pickleball
- Reading
- Traveling
- Volunteering
SEC Lookup
View DisclosureWho We Serve
- Attorneys
- Business Owners
- Foreign-Born Individuals
- Gen X
- Gen Y / Millennials
- Intergenerational Families
- Living in Retirement
- Parents
- Physicians
- Remote Workers
- Technology Professionals
- Therapists
- Widow
Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
We Want Your Voice to be Heard
Wealthtender exists to help people discover trusted and authentic financial professionals and educators who may be a good fit based on their unique needs and circumstances.
Your honest reviews help people decide which financial professionals and educators may be best suited to their individual needs.
The majority of people trust reviews as much as personal recommendations, so what you write in your review should reflect your own opinion and experience.
Tips for Writing a Helpful Review
Be descriptive. Instead of just saying what you like or dislike, share why. What have you enjoyed most or least about your experience with the provider? Have they helped you overcome a difficult financial challenge or strengthened your knowledge about particular money matters? The more details, the better!
Be honest. Your rating and review should reflect your actual experience.
Stay relevant. Ensure your review is helpful to others by avoiding off-topic discussions or personal opinions not relevant to your direct experience.
Make your review easy to read. Reviews should be readable to others. Use proper grammar, avoid excessive capitalization or punctuation, and be sure to check your spelling.
Be yourself. Don’t post as, or pretend to be, someone else, and do not say you’re associated with a person or organization with which you are not.
Be nice. Don’t write abusive, hateful, threatening, or harassing content. Avoid personal threats, hate speech, obscenities, or inflammatory language.
Respect the privacy of others. Don’t post information that can be used to identify another individual or compromise their privacy.
Report abuse. Thank you for helping us ensure reviews on Wealthtender are helpful to everyone. If you suspect possible violations of our guidelines or believe a review is inappropriate, please email support@wealthtender.com with a link to the provider’s profile, indicating the review in question and the reason you believe it violates our guidelines.
➡️ Are you reviewing a financial advisor? Learn more about Certified Advisor Reviews.
Disclaimers
Wealthtender reserves the right to remove reviews that violate its guidelines and/or regulations issued by the Federal Trade Commission, Securities and Exchange Commission, FINRA, and other regulatory agencies. Further, financial advisors are subject to individual firm policies and rules prescribed by federal and state regulators that may result in reviews being removed, not published, or potentially modified upon the documented request submitted by an advisor, compliance officer, or other firm professional to maintain compliance with federal and state regulations.
If you submit a review on Wealthtender, the Federal Trade Commission has issued guidance to ensure you always maintain the right and ability to request reviews be removed from any online review website, including Wealthtender. To request the removal of a review you submitted on Wealthtender, please send an email to support@wealthtender.com using the same email address you utilized when submitting the review. Please include in your email a link to the profile on Wealthtender where your review is published.
In addition to your review being published on Wealthtender, you acknowledge your review may also be published by your financial advisor on their website, social media accounts, and/or profile pages on other directory websites.
The reviews posted on Wealthtender are individual and subjective opinions. The opinions expressed in reviews are those of the reviewer and not of Wealthtender, Inc. Wealthtender does not endorse any of the opinions expressed by reviewers.
Please refer to the Wealthtender terms of service and privacy policy for additional information.
If you have questions or if we can assist with anything at all, please contact us by email at support@wealthtender.com or call us at (512) 540 – 3811.
Thank you for visiting Wealthtender and giving us the opportunity to serve you.
© 2024 Wealthtender, Inc.
-
Finding Your Safe Withdrawal Rate in Retirement
-
Should I Consider an Annuity to Guarantee Retirement Income?
-
I’m a Financial Advisor: 7 Costliest Mistakes Middle-Class Boomers Make
-
The Silent Wealth Killer: How Inflation and Taxes Team Up Against Your Retirement Income
-
Can ChatGPT Be Your Retirement Planner?
-
“Flat-Fee Advisors Don’t Have Skin in the Game?” Let’s Talk About That
-
5 Reasons You Should Consider Firing Your Financial Advisor
-
Retirement Planning Without Taxes: Why It Costs So Much (and How to Fix It)
