FAQ
Fee-Only Fiduciary, Scottsdale AZ
Fair questions, straight answers.
How we're paid, what the credentials mean, and how to know if we're a fit. Everything people actually ask before working with an advisor.
Aaron Randak, CFP®, EA
Fee-Only Fiduciary
No Account Minimum
AZ State-Registered RIA · CRD #337930
The Basics
What is a fee-only financial advisor?
A fee-only financial advisor is paid only by the client, with no commissions, product sales or referral fees. Golden Acre Wealth Management is fee-only, so all of its compensation comes directly from you. That removes commission conflicts; the conflicts that remain, such as the asset-based fee, are disclosed in Form ADV Part 2A.
What is a fiduciary financial advisor?
A fiduciary financial advisor is legally and ethically required to act in your best interest at all times. Golden Acre Wealth Management acts as a fiduciary in every client engagement.
What is a CFP® professional?
A CFP® professional has met CFP Board's education, examination, experience and ethics requirements, the recognized standard for financial planning. The certification covers investments, retirement, insurance, tax, and estate strategy, and carries a fiduciary obligation. Aaron Randak of Golden Acre Wealth Management is a CFP® professional and an Enrolled Agent, admitted to practice before the IRS.
What is an Enrolled Agent (EA)?
An Enrolled Agent is a federally authorized tax practitioner, admitted to practice before the IRS. EAs pass a comprehensive IRS examination on federal tax law and can represent clients directly before the IRS in audits, collections, and appeals. Aaron Randak, CFP®, EA, holds both credentials, so tax work is built into every Golden Acre financial plan.
Is Golden Acre Wealth Management a registered firm?
Yes. Golden Acre LLC dba Golden Acre Wealth Management is a Registered Investment Adviser registered with the Arizona Corporation Commission (CRD #337930). Our Form ADV and full disclosures are available upon request. Registration does not imply a certain level of skill or training.
Who holds my money?
Golden Acre Wealth Management does not hold your money. Your accounts are opened in your own name at Charles Schwab or Altruist, both independent qualified custodians, and your statements come directly from the custodian, not from us. Your advisory agreement gives Aaron authority to manage and trade the accounts; it does not allow him to move your money to a third party. If you ever ended the relationship, the accounts and the assets would stay exactly where they are.
Services & Fees
What services does Golden Acre offer?
Golden Acre Wealth Management offers five services, all included in one advisory fee:
One-time plans, hourly advice, and standalone tax preparation are also available for those not ready for full management.
- Investment Management — discretionary portfolio management tailored to your goals, timeline, and tax situation.
- Retirement Planning — Social Security timing, withdrawal sequencing, Roth conversions, and a retirement income plan.
- Tax Planning — year-round strategy from an Enrolled Agent; return preparation quoted separately as a flat fee.
- Estate & Legacy Planning — beneficiary and titling reviews, legacy strategy, and coordination with your attorney.
- Inheritance & Windfall Planning — inherited IRA rules, step-up in basis, and a calm plan for the proceeds.
One-time plans, hourly advice, and standalone tax preparation are also available for those not ready for full management.
Can you handle both my investments and my taxes?
Yes. Aaron Randak, CFP®, EA, manages your investments and your taxes together, in the same plan. He is a CFP® professional and an Enrolled Agent, admitted to practice before the IRS. Roth conversions, bracket management, equity compensation decisions, and tax return prep all happen under one roof.
How much does Golden Acre charge?
Golden Acre Wealth Management charges one blended advisory fee: 1.50% on the first $250,000, 1.25% on the next $250,000, 1.00% up to $2 million and 0.75% above that, billed quarterly in advance. It covers investment management and all five planning services. Tax return preparation is a separate flat fee. The fee is negotiable, and there is no account minimum. Flat-fee planning and hourly engagements are also available. All fees are disclosed in Form ADV Part 2A. See the full fee schedule →
Do you have a minimum asset requirement?
Golden Acre Wealth Management has no minimum asset requirement. We believe good financial advice shouldn't only be available to people who already have millions invested. We offer AUM-based management, flat-fee planning and hourly coaching to fit different needs and stages of life. All fees are negotiable.
Who We Work With
Who are your typical clients?
Golden Acre Wealth Management works most often with five groups, though advice here starts with your situation:
Browse them all at Who We Serve. Business owners and other situations are welcome too. If the fit is right, the category doesn't matter.
- Pre-Retirees — five to ten years out, answering whether the date you have in mind works.
- Retirees — a paycheck from the portfolio, RMDs, Medicare, and the surviving-spouse plan.
- Inheritors — inherited IRAs, the ten-year clock, and knowing what's actually urgent.
- Sudden Wealth — a business sale, IPO, settlement, or windfall, planned before and after the money lands.
- Tech & Corporate Professionals — RSUs, ISOs, ESPP, and a net worth concentrated in one employer.
Browse them all at Who We Serve. Business owners and other situations are welcome too. If the fit is right, the category doesn't matter.
Do you work with clients outside of Arizona?
Yes. Golden Acre Wealth Management is based in Scottsdale, Arizona, and works with clients across the United States. Every meeting can happen by video, so you get the same personal service wherever you live. State registration rules determine where we can take on new clients, so ask and we'll confirm for your state.
Are you available for evening or weekend meetings?
Yes. Golden Acre Wealth Management offers evening and weekend appointments. Most people work standard business hours, we get it, so your financial planning can fit your schedule.
Getting Started
How do I get started?
Book a free 30-minute introductory call with Aaron Randak, CFP®, EA. No paperwork, no prep required. We'll talk through your situation, your goals, and whether Golden Acre is the right fit — before anything is signed or committed. Schedule directly here, or start with the 60-second fit quiz.
What should I bring to the first call?
Nothing. The intro call with Aaron is a conversation: no documents, no prep work, no homework. Come with questions. Come with concerns. We'll take it from there and tell you what, if anything, we'd need to move forward.
Still have questions?
Let's just talk.
A 30-minute call costs nothing. No pitch, no pressure — just a real conversation about your situation.
Book a free call →Or email aaronrandak@goldenacrewealth.com
Golden Acre LLC dba Golden Acre Wealth Management is an investment adviser registered with the Arizona Corporation Commission (CRD #337930). Registration does not imply a certain level of skill or training. All fees are negotiable and are described fully in the firm's Form ADV Part 2A, available upon request or at adviserinfo.sec.gov. This page is for informational purposes only and does not constitute investment, tax, or legal advice. Past performance is not indicative of future results. CFP® and CERTIFIED FINANCIAL PLANNER® are certification marks owned by the Certified Financial Planner Board of Standards, Inc., awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.