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 in Phoenix, AZ, holding Series 63 and Series 65 licenses with two years of industry experience. Prior to his current role, he worked at Charles Schwab and Bank of America. Outside of advising, he owns a tax preparation business and provides DJ services. Iridescent Capital Management is a fee-only registered investment adviser serving a small client roster that includes high-net-worth individuals, pension and profit-sharing plans, charitable organizations, and businesses. The firm combines modern portfolio theory with fundamental analysis, focusing on low-cost passive funds and ETFs, and offers retirement plan consulting alongside comprehensive financial planning.

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.

Ryan Betts is the sole advisor at Betts LLC in Phoenix, AZ, holding a Series 65 designation with eight years of industry experience. He has worked at Larry B. Betts, CPA and operated Ryan Betts PC, accumulating over 15 years in related fields. Betts LLC provides advisory services primarily through referrals to third-party money managers such as Rockefeller Capital Management. The firm serves individuals, high-net-worth clients, and business entities, focusing on long-term investment strategies aligned with client objectives and risk tolerance while not directly managing client assets.

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.

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.

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.

John McBride is the sole advisor at Stewardship Wealth Advisors in Phoenix, AZ, holding Series 63, 65, and 66 licenses with 19 years of industry experience. He has operated as a sole proprietor since 2003 and has longstanding involvement with Stewardship Wealth Advisors and its related entities. McBride also provides life and disability insurance to his clients through Stewardship for Life, Inc., a business he owns. 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 employs a Modern Portfolio Theory-based investment process, manages accounts on a discretionary basis, and provides client education through seminars and workshops.

Joel Beyer is a financial advisor at 21:5 Advisors, LLC with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms, including Heritage Wealth Management and RFG Advisory. Beyer has been self-employed since 1989 and founded 21:5 Advisors in 2024. 21:5 Advisors provides investment management, comprehensive financial planning, and facilitates estate-planning document preparation through third-party technology platforms. The firm serves individuals, high-net-worth clients, charitable organizations, and businesses, employing a mix of passive and active investment strategies guided by modern portfolio theory and emphasizing integrated operational and cybersecurity planning.

Joyce Rolfes is the president of Five Peaks Financial Consulting, Inc. in Phoenix, AZ, with 32 years of industry experience. She holds Series 63 and Series 65 designations and has professional experience spanning roles at United Planners Financial Services and co-trustee positions for family trusts. She has served as a committee member of the Desert Botanical Garden, a nonprofit organization, since 2010. Five Peaks Financial Consulting provides personalized financial planning and investment advisory services primarily to high-net-worth individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm focuses on comprehensive financial planning, manager selection, pension consulting, and insurance placement, typically operating in a non-discretionary capacity while utilizing fundamental and quantitative analysis alongside psychometric risk assessments.

Amitabh Godha is a financial advisor at Unstoppable Asset, holding a Series 65 designation with experience since 2010 across various roles at Vistaar Capital LLC, Hill Fort Capital Partners Ltd, and Unstoppable Asset LLC. He is based in Phoenix, AZ. Unstoppable Asset provides automated investment management through a proprietary digital platform primarily serving individual retail clients with Roth IRAs focused on teenagers, young adults, and minors. The firm uses a low-cost, passive investment approach emphasizing equity-heavy ETF and mutual fund portfolios tailored by age-appropriate models with automated rebalancing.

James Kennon is the sole advisor at Kennon Wealth Management, LLC in Goodyear, AZ, with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Monticello Investment Services, Inc. and Northwestern Mutual Investment Management before founding his current firm. In addition to his advisory role, he owns and operates the Jim Kennon Financial Network as an insurance agent. Kennon Wealth Management serves individual clients by assisting them with the selection and oversight of third-party money managers rather than directly managing client portfolios. The firm provides ongoing monitoring and coordination while the managing member maintains an active insurance practice alongside his advisory work.

Duane Eckelberg is the principal of Eckelberg Financial, Inc. in Phoenix, AZ, with 17 years of experience in financial advisory services. He holds a Series 65 designation and previously worked at Cetera for 10 years. In addition to his advisory role, he has served as president of Eckelberg & Wienshienk, PC, a certified public accounting firm, since 1996. Eckelberg Financial provides customized financial planning and advisory services to individuals, trusts, estates, and charitable organizations. The firm delivers advice on an hourly basis without managing client assets or accepting custody, focusing on fundamental analysis and a long-term investment approach tailored to each client’s objectives and risk tolerance.

Carlos Alvarado is the principal of Alvarado & Associates, LLC, an independent advisory firm based in Glendale, AZ. He holds a Series 65 designation and has eight years of industry experience. Prior to founding his firm, he worked with Althia Capital Advisors and currently holds a financial analyst role at Jacobs Solutions. Additionally, he is associated with Caudal Capital in Panama, where he holds a license to provide investment advisory services. Alvarado & Associates offers discretionary portfolio management to individuals and families, including high-net-worth clients, focusing on diversified portfolios that emphasize income generation, risk management, and long-term capital stewardship. The firm manages client accounts on a discretionary basis, conducting regular reviews and utilizing Interactive Brokers for execution and global access.

My name is Alex and I provide fee-only ongoing-subscription and flat-fee project based financial planning and advisory services to mid-career professionals & retirement plan consulting services to business owners and plan sponsors. As your financial advocate, we help you navigate the increasing complexity of the financial markets and regulations with a customized strategy, tracking your progress and making adjustments as your needs and goals change. I have 21+ years of experience in the financial industry and held roles in trading, financial product distribution, private banking, and wealth management. I graduated with a business degree from the Eller College of Management at The University of Arizona and also am a CERTIFIED FINANCIAL PLANNER™ certificant and Certified Investment Management Analyst® designee. My office is located in downtown Phoenix, AZ and I work with clients in-person and remotely across the United States.

James Robinson is the sole advisor at Robinson Stocks, LLC in Phoenix, AZ, holding a Series 65 designation with three years of industry experience. He has been associated with Avocat Group Arizona since 1992 and operates Robinson Stocks since 2022. In addition to his advisory role, Robinson is also a licensed real estate broker. Robinson Stocks, LLC is a registered investment adviser that provides discretionary portfolio management primarily focused on equities and non-U.S. securities. The firm serves mainly high-net-worth and qualified clients, employing a combined fundamental and quantitative approach with a long-term trading orientation.

Charles Herman Jr. is a ChFC® credentialed financial advisor with five years of industry experience, currently practicing at Authentic Financial Planning in Peoria, AZ. His background includes roles in financial planning, tax preparation, mortgage brokerage, insurance, and real estate sales. Outside of advisory services, he is involved in tax preparation and accounting through his business, The Money Agency, and operates a mortgage lending firm. Authentic Financial Planning serves individuals, families, business owners, and corporations with ongoing financial planning and investment management through tiered packages and project-based services. The firm offers a multi-meeting initial planning process, regular reviews, and a mix of billing options, supported by affiliated businesses in insurance, tax, real estate, and mortgage services disclosed as separate lines of business.

Jonmark Richardson is a financial advisor with Valhalla Advisors LLC in Glendale, AZ, holding Series 63 and Series 65 licenses and six years of industry experience. He is also the owner of Financial Partners of America LLC, a licensed insurance agency. Jonmark has been associated with Financial Partners of America LLC since 2011 and founded Valhalla Advisors LLC in 2020. Valhalla Advisors serves individual and high-net-worth clients as well as corporations, providing discretionary portfolio management alongside financial and estate planning. The firm’s investment approach involves long-term trading based on cyclical, fundamental, and technical analysis and includes the use of derivatives and structured products tailored to each client.

Shawna Moore is the principal of Moore Wealth Partners, LLC in Glendale, AZ, with 10 years of industry experience. She holds the Series 63, 65, and 66 designations and has worked at several firms including Foundations Investment Advisors and McKinney Financial Group. In addition to her advisory role, she operates an insurance practice offering life, annuities, and long-term care products. Moore Wealth Partners provides discretionary asset management, financial planning, and consulting primarily to individuals, high-net-worth clients, and qualified retirement plans. The firm employs a model-based investment approach executed by sub-advisors and third-party managers, with ongoing performance monitoring and regular plan reviews.

Patrick Church is the sole advisor at Church Capital, an independent investment advisory firm based in Buckeye, AZ. He holds Series 63 and Series 65 designations and has 17 years of industry experience, including prior roles at LPL Financial and Pacific West Financial Consultants Inc. Church Capital serves individual and high-net-worth clients, as well as a limited number of pension and profit-sharing plans. The firm provides discretionary portfolio management primarily using equities and ETFs, employs technical analysis and both long- and short-term trading, and acts as an ERISA 3(38) fiduciary offering retirement plan model management and consulting.