Golden Acre Wealth Management

Aaron Randak, a CFP® professional and Enrolled Agent, plans each client’s investments, retirement income and taxes together. If you are within a few years of retiring, or you have just inherited money and are not sure what to do with it, you are probably weighing decisions that are hard to reverse. When to claim Social Security. Whether to convert to a Roth before required distributions start. Which account to spend down first. What the rules are on an inherited IRA and how much time you actually have. Those questions are all tax questions before they are investment questions. As an Enrolled Agent, Aaron is licensed to represent clients before the IRS, and he prepares tax returns. So when a Roth conversion or a withdrawal sequence is decided in October, he is the one filing it in April. There is no handoff between the advice and the paperwork. Most clients come to Aaron at one of two points. They are five to fifteen years from retirement and want a straight answer on whether the plan works, what it costs in taxes, and what has to change. Or a parent has died, and there is now an inherited retirement account with distribution rules attached, a house to deal with, and a stack of paperwork that arrived at a difficult time. Some of it can wait. Some of it has deadlines with real money attached. The first step is sorting out which is which. Golden Acre Wealth Management is fee-only and independent. Aaron is paid by his clients and nowhere else. He does not sell insurance, does not earn commissions, and serves as a fiduciary at all times. He works alongside your estate attorney rather than in place of one; he is not an attorney and does not draft documents. There are no account minimums, by design: the people with the most complicated tax situations are not always the ones with the largest portfolios. If you reach out, you and Aaron spend about thirty minutes on a call. You explain what is going on and what is worrying you. He tells you what he sees, what he would look at first, and whether he is the right person for it. There is no cost and no obligation, and if your situation calls for someone else, he will say so and point you in that direction. Aaron grew up on a farm in rural Iowa and studied Finance and Financial Counseling and Planning at Iowa State. He now lives and works in Scottsdale, Arizona.