Singh PWM

Singh PWM is a flat-fee fiduciary financial planning firm built to simplify the complexities of your financial life. Led by Raman Singh, CFP®, Your Personalized CFO, the firm helps pre-retirees and retirees make confident financial decisions through transparent, conflict-free guidance—without the hidden costs or conflicts of percentage-based or commission-driven models. 

Clients often come to me asking: Are we on track to retire comfortably and maintain our lifestyle? What’s the best way to draw income from our investments without running out of money? Should we consider annuities or other guaranteed income strategies?  Are we missing tax deductions or credits that could lower our liability? Are we maximizing our income and resources for tax efficiency?

Singh PWM serves individuals and families—typically in their 50s and 60s—with $2 million or more in investable assets who want to reduce complexity and gain peace of mind knowing every part of their financial life is working together. Clients receive comprehensive, integrated planning that aligns investment management, retirement income strategy, tax optimization, and estate coordination into one cohesive approach.

Fees are simple and transparent: most clients choose between an annual retainer of $10,000 for ongoing comprehensive planning or a one-time $5,000 flat fee for a complete financial plan with five months of follow-up support. Hourly planning is available at $300 per hour.

What makes Singh PWM different is the flat-fee fiduciary model and proactive, high-touch guidance—helping you navigate market volatility, minimize taxes, and ensure your retirement plan is built to handle the unexpected.