Raman Singh, CFP®, EA

Hi, I'm Raman Singh, CFP®, EA. I've been a CFP Since 2016, and I serve as your Personalized CFO.

I work with pre-retirees and retirees who have built $1.5M to $5M and now face the harder question: how do you turn that into income, keep taxes from eating it, and stop second-guessing every decision?

Most advisors hand your tax return to someone else. I don't. Holding both the CFP® and the Enrolled Agent credential means your retirement withdrawals, Roth conversions, Social Security timing, and IRMAA brackets all get modeled in one place, by one person, against your actual return. That is where the money is, and it is where most plans fall apart.

I am flat-fee only. No commissions, no product sales, no percentage of your portfolio. You pay a stated fee and I have no financial reason to steer you anywhere.

I cap my practice at 50 households. That is not a marketing line. It is what allows me to know your situation well enough to call you when something changes, rather than waiting for an annual review.

What we work on together: organizing the moving parts, building a withdrawal and tax strategy that holds up over decades, deciding when to claim Social Security, right-sizing investment risk for someone who no longer needs to swing for the fences, and making sure what you leave behind goes where you intend it to.

Outside the practice, I live in Peoria with my wife, our three dogs, and our son. I also run a bookkeeping firm and teach CFP® and Series 7 candidates, which keeps me close to the mechanics rather than the theory.

If you want to know exactly what you are paying and exactly what you are getting, let's talk.

Raman Singh, CFP®, EA

Your Personalized CFO

www.singhpwm.com

(480) 420-4824

raman@singhpwm.com