I watched my family work incredibly hard their whole lives -- and I never wanted anyone else to reach the end of theirs wondering if they did enough with what they had. That's the reason I became a financial advisor. Not because I loved spreadsheets -- though I do -- but because money is the thing that funds the life you're trying to build, and most people deserve someone in their corner who actually treats it that way. I moved to the U.S. from India as a kid and started working at 13. Money was never theoretical in our house. It was decisions with real consequences, and I learned early that the difference between a good outcome and a bad one often came down to information, timing, and who you had helping you. I've spent 14+ years in financial services. Long enough to understand how the industry works -- and long enough to be frustrated by it. Clients getting sold products they didn't need. Advisors earning more when clients invested more, regardless of whether it made sense. Tax, investments, and estate planning treated like separate problems instead of one integrated picture. Singh PWM exists because I refused to operate that way. No commissions. No AUM fees on assets I don't manage. No incentive to recommend anything other than what's right for you. Just transparent flat fees and a clear scope of work -- so you always know what you're paying for and why. I hold two credentials that matter for the kind of work I do: CFP® since 2016 and Enrolled Agent since 2026. The CFP® covers the planning side. The EA means I'm federally authorized to represent clients before the IRS and work through tax strategy directly -- not hand it off to someone else. Together, they let me build retirement plans where tax decisions, investment structure, and income planning actually work together. My wife Stefania runs client services. We live in Phoenix with our son Luke and three dogs. This is a small firm by design -- because the kind of advice I give requires knowing you, not managing a book of 500 accounts. If you're serious about getting your financial life in order before retirement, I'd like to talk. CFP® Since 2016 | EA Since 2026

Hayden Ess is a financial advisor at Iridescent Capital Management with two years of industry experience. He holds Series 65 and Series 63 registrations. Prior to joining Iridescent Capital Management, he has worked with firms including Charles Schwab and Bank of America. Outside of advising, he owns a tax preparation business and works as a wedding DJ. Iridescent Capital Management is a solo, fee-only registered investment adviser serving a small client roster that includes high-net-worth individuals, pension/profit-sharing plans, charitable organizations, and businesses. The firm provides portfolio management, financial planning, and retirement-plan consulting, applying a modern portfolio theory approach with an emphasis on low-cost passive funds, tailored client restrictions, and integration of planning and investment oversight.

I started in the advice business in 2012 as an intern at First Allied Securities. Lucky for me, I got to see the inside of a lot of classic wealth management firms - how the sausage was made. Fast forward to 2016, I've worked a few years in the industry, but I'm not happy with my trajectory; I want to write my own story. A couple of industry guys create a platform called XY Planning Network, seemingly tailor-made for me & my dreams. I want to serve the next generation of clients in a fair & transparent way, and I'd like to do it on my own terms. XYPN's little push, their "Yes, you can do this" at the September 2016 conference in San Diego, was the catalyst for launching my firm, Montebello Avenue Limited Company, which went live in February 2017. Today, my firm serves 50+ clients locally & throughout the country. I couldn't be more proud of our clientele or more hopeful about the future of the firm. Some more personal quick-hits: BS, Computational Mathematical Sciences, Arizona State University CERTIFIED FINANCIAL PLANNER™ Published in the New York Times, Wall Street Journal, Barron's, and the Alpha Architect blog Mississippi native Youngest of 4 siblings I love basketball, baseball, sushi, and my dog's underbite Married on 10/10/2020 to the love of my life

I work with people who are within about five years of retirement, or already moving into it, in an ongoing advisory relationship that runs through the transition and past it. You've saved for decades and the balances are real. What changes as retirement gets closer is the questions: how much you can comfortably spend, when you can stop working, which accounts to draw from first, when to claim Social Security, and how to cover health insurance before Medicare. I'm a CPA and a CFP® professional, and I prepare my clients' tax returns myself. The plan and the filing come from the same desk, so a Roth conversion, a withdrawal order, or an equity sale gets modeled against the return it will land on before anyone acts on it. Based in Phoenix, Arizona, working with clients across the country. Fee-only, no commissions.

Hi, I’m Ekenna Anya-Gafu, CFP, AAMS, AIF and the founder of Pacific Canyon Investments. I started this firm because growing up, I saw too many people make the wrong financial decisions, not because they didn’t care, but because no one ever showed them how. I decided to change that. After years in the industry helping build a firm from $200K to over $483M in assets, I launched PCI to bring honest, strategic, and empowering financial guidance to people from all walks of life. Whether you’re managing an IPO, a new or experienced healthcare worker, or want a better plan, I’m here to help.

Chase Floyd is the principal of The Financial Chase LLC and holds Series 63 and Series 65 licenses, with nine years of industry experience. He previously operated Floyd Financial Services LLC since 2015. The Financial Chase LLC is a registered investment adviser that provides discretionary investment management and financial planning services to individual and business clients. The firm employs a long-term, fundamentally driven investment approach centered on strategic asset allocation using diversified mutual funds and ETFs, with portfolios managed on a discretionary basis.

Jeffrey Lumin is a CFA® charterholder and the sole advisor at Transcend Advisor, Inc. He has nine years of experience at Transcend and five years as a self-employed professional prior to that. The firm provides discretionary investment management, financial planning, and consulting services to a range of clients including individuals, high net worth clients, family trusts, and charitable organizations. Transcend follows a long-term, value-oriented investment approach based on classic securities valuation principles, emphasizing dividend-yielding assets and diversified portfolios across multiple asset classes.

Addison Taylor is a CFP® with four years of industry experience, currently serving as the sole advisor at Build Wealth Partners in Gilbert, AZ. Previously, Addison worked at Vanguard and has held various roles in business and community organizations, including a position at Tempe Community Action Agency Inc and involvement with Caldwell County BBQ LLC. Build Wealth Partners provides integrated wealth management and business consulting to individuals, high-net-worth clients, and businesses. The firm offers comprehensive financial planning and investment management, employing a combination of passive and active investment vehicles guided by modern portfolio principles.

David Ingle is a financial advisor at Vibrant Wealth with 12 years of industry experience. He holds a Series 66 designation and has worked at Barrett Financial LLC and Vibrant Wealth Advisors LLC. Outside of his advisory role, he is also an independent insurance agent, dedicating a significant portion of his time to this activity. Vibrant Wealth is an independent advisory firm offering discretionary asset management, financial planning, and a subscription-based financial coaching platform. The firm serves individuals, small businesses, trusts, estates, pooled vehicles, and charities, tailoring its investment approach to client objectives through fundamental and technical analysis, asset allocation, and risk management.

David Musser is a CFP® with 17 years of industry experience and the principal advisor at Musser Financial Planning, LLC since 2018. He previously worked at Financial Engines from 2016 to 2018. Musser is also a licensed insurance agent and occasionally offers commissionable insurance products to clients. Musser Financial Planning, LLC advises individual and high-net-worth clients on investment management and comprehensive financial planning, including taxes, retirement, insurance, education, and estate reviews. The firm employs long-term trading, fundamental analysis, modern portfolio theory, and quantitative methods to construct portfolios and incorporates both asset-based and fixed or hourly planning fee structures.

Nicholas Green is the managing partner of FMT Investment Advisory, operating under Green Partners, LLC, with 21 years of experience in the financial advisory industry. He holds Series 63 and Series 65 designations and has led his independent firm since 2005. Based in Phoenix, AZ, he serves a diverse client base including individuals, high-net-worth clients, and business entities. FMT Investment Advisory is a fee-only registered investment adviser providing discretionary portfolio management, investment planning, and supervisory services. The firm manages approximately $24.4 million across about 43 clients, employing a combination of fundamental and technical analysis with a range of investable instruments including options and derivatives, and offers advisory services to corporate clients such as pension consulting.

Benjamin Coats is the sole advisor at Coats Wealth Management in Gilbert, AZ. He holds a Series 65 designation and has prior work experience at Granite Lake Partners, Ascend Software, and Happy Paws Veterinary Partners. Coats Wealth Management is a registered investment adviser offering discretionary portfolio management, financial planning, and investment consulting to individuals, families, small business owners, professionals, and institutional clients. The firm employs a fundamental analysis approach with diversified asset allocation and provides client oversight through regular reviews and quarterly performance reports.

Richard Goldman is a financial advisor with Conscient Capital, LLC in Phoenix, AZ. He holds Series 63 and Series 65 credentials and has 18 years of industry experience. He has worked with Mutual Securities, Inc. since 2009 and Interwealth Management Advisors, LLC since 2007. He is also involved with Richard Goldman Asset Management, an SEC-registered investment adviser. Conscient Capital is an independent, single-advisor firm that provides portfolio management and financial planning services to individuals, trusts, charitable organizations, and businesses. The firm focuses on total return with portfolios built around equities and ETFs, emphasizing capital preservation and income through fundamental research and hedging strategies.

Sergey Zaytsev is the sole advisor at zQuant Advisory, LLC, an independent firm based in Scottsdale, AZ. He holds a Series 65 designation and has four years of industry experience. Outside of his advisory role, he owns small computer software companies and is occasionally involved in computer consulting and product development. zQuant Advisory provides portfolio management, financial planning, and pension consulting to individual and high-net-worth clients. The firm employs a combination of quantitative, cyclical, and fundamental analysis, applying modern portfolio theory to construct portfolios tailored to each client’s risk profile and investment goals.

Zakriah Gardezy is a CFP® with nine years of industry experience, currently serving as the sole advisor at Wealthstone Private Wealth Management, LLC. He previously worked at Morgan Stanley and Wells Fargo in various capacities between 2016 and 2024. Wealthstone Private Wealth Management provides portfolio management, financial planning, and retirement plan consulting to individuals, high-net-worth clients, trusts, corporations, and employer-sponsored retirement plans. The firm uses a comprehensive investment approach that includes fundamental, technical, quantitative, and sector analysis, and it offers a monthly subscription service aimed at young professionals and DIY investors.

I’m Beau Kemp, founder of Bugle Valley Retirement Income Planning. My career has been focused on helping people make thoughtful financial decisions, and I’ve developed a particular passion for helping clients navigate the transition from saving for retirement to actually living from their wealth. I believe retirement planning should be about more than simply determining whether you have “enough.” It should give you confidence in where you are, where you’re going, and how your financial decisions work together. Bugle Valley is a fee-only, flat-fee financial planning firm focused exclusively on retirement. I primarily work with people who are approaching or entering retirement and want a comprehensive plan for turning their assets into sustainable income. We look at the big picture, including investment strategy, taxes, Social Security, Medicare, withdrawal strategies, risk, and legacy considerations, to help clients make informed decisions throughout retirement. Outside of financial planning, I enjoy spending time outdoors, staying active, and most importantly, spending time with my family. Those experiences have shaped how I think about retirement planning: money is a tool that should ultimately support the life you want to live. My goal is to help clients navigate that transition with a clear plan and confidence in the path ahead.

Alan Norris is a CFP® professional with 23 years of industry experience. He has led Norris Wealth Management, LLC since 2011. The firm advises sponsors and participants of qualified retirement plans, providing financial planning and investment advisory services to individuals and certain business entities. Norris Wealth Management accepts specified fiduciary roles, offers pension consulting and participant education, and typically implements strategies through third-party money managers and institutional funds with ongoing monitoring and reviews.

I’m Paulo Lopes, an attorney-turned CERTIFIED FINANCIAL PLANNER® professional and the founder of Woodmont Financial Partners. Most people I work with are DIY investors, high earners, and business owners who want a clear plan and an objective second set of eyes, without commissions or an asset-based fee. You should not have to hand over your investments to get good advice. My work is tax-aware and practical. We focus on the decisions that move the needle, including multi-year tax planning, withholding and estimated tax decisions, Roth conversion strategy, retirement and Social Security planning, stock options, RSUs, and other equity compensation planning, and estate planning coordination (beneficiaries, trusts, and POAs, plus the questions to take to your attorney). On the investment side, I help clients build a long-term allocation, improve tax efficiency, and set a rebalancing approach they can actually follow. I also help clients think through small business and real estate decisions where taxes and cash flow matter. We start with a short intro call. If we decide to work together, I will outline the scope, deliverables, and next steps in plain English. Meetings are virtual, with in-person options when it makes sense. I’m based in Arizona and work with clients nationwide.

You have equity vesting, income growing, and decisions that keep getting more complex. Most people in that position are doing everything right and still feel like the pieces aren't adding up. Not because they're failing. Because the decisions were never coordinated. Hey, I'm Anthony. I'm a CFP®, a dad of three, and the founder of Dynamic Financial Planning based in Scottsdale, AZ. I built the firm around one belief that building meaningful wealth isn't about making more. It's about making everything work together to support the life you want. That means coordinating your equity compensation to work for your life while improving tax efficiency, investing for long-term growth, and having advice that's aligned with your best interests. Not driven by product sales. I work with tech professionals navigating RSUs, ESPPs, and complex compensation packages, and with thoughtful wealth builders who are ready to build a structure that actually holds. Fee-only. Fiduciary. No commissions. No conflicts. No asset minimums. Book Your Complimentary 30-minute call: dynamic-fp.com/schedule Email: [email protected] Virtual planning nationwide: New York San Francisco Los Angeles Santa Monica San Diego Las Vegas Austin Houston Dallas Miami Chicago Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming In-person planning: Scottsdale Phoenix Gilbert Chandler Mesa Cave Creek Peoria Glendale

John Mcbride is the principal of Stewardship Wealth Advisors in Phoenix, AZ, with 18 years of industry experience. He holds the Series 63, 65, and 66 licenses and has been associated with Stewardship Wealth Advisors since 2015. Outside of his advisory work, he owns Stewardship for Life, Inc., where he provides life and disability insurance to clients. Stewardship Wealth Advisors serves individual investors, high-net-worth clients, and charitable organizations, offering fee-based financial planning, discretionary portfolio management, and retirement-plan advisory services. The firm follows an investment process based on Modern Portfolio Theory, manages portfolios with discretionary authority, and conducts educational seminars and workshops for clients.