Retirees or Seniors
Decide which account each dollar comes from before you spend it. Withdrawal order can change your tax bill and your Medicare premiums.
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Aaron Randak
Founder & Wealth Advisor
CFP®, Enrolled Agent
Golden Acre Wealth ManagementScottsdale, AZ 85260
Broker Affiliation: None/NA
Languages: English
My Approach
Financial planning isn't one-size-fits-all. I specialize in helping individuals and families navigate the complex financial crossroads of life, focusing heavily on these unique groups and the major moments that define their journeys.
The Clients I Serve
Pre-Retiree
Run your retirement numbers five to ten years out. That leaves time to adjust savings, Social Security timing and where income comes from.
Major Milestones I Specialize In
Death in the Family
Give yourself time. Few money decisions after a death have to happen right away, but a handful carry deadlines worth knowing.
Retirement Planning
Write down what a normal year of retirement costs you. Social Security, withdrawals and investments all start from that number.
Sudden Wealth or Inheritance
Put new money somewhere simple and liquid, then pause. Most windfall decisions can wait a few months; tax deadlines cannot.
Our 7 Steps to Financial Planning
Certified Financial Planners have a proven blueprint for success—but your planner builds it entirely around you.
Summarized from the CFP® Board's Practice Standards. cfp.net
My Process
Aaron Randak, a CFP® professional and Enrolled Agent, plans each client’s investments, retirement income and taxes together. Every relationship starts with a free 30-minute call about your situation and whether Golden Acre is the right fit. From there, Aaron builds one plan that covers retirement income and Social Security timing, withdrawal order, tax planning, investment management, estate and legacy coordination, and what to do with an inheritance. The plan is reviewed on a regular schedule and updated as life changes. Because Aaron is an Enrolled Agent, tax planning is built into each recommendation. Tax return preparation is available for a separate flat fee. One advisory fee covers all five services, and there is no account minimum. Estate and legacy planning is coordinated with each client’s own attorney; Aaron is not an attorney and does not draft legal documents.
Disclosures
This material is provided for informational purposes only and does not constitute investment, tax, or legal advice. It is not a recommendation or solicitation to buy or sell any security, insurance product, or investment strategy. Past performance does not guarantee future results. All investing involves risk, including the possible loss of principal. Tax and legal matters are outside the scope of this engagement; consult your attorney, accountant, and other qualified professionals before making financial decisions. Additional information about this financial professional, including registration status and disciplinary history, is available through FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure website.