Fee-only financial advisor in Phoenix.
Retirement income, investments and taxes, planned together. No commissions.
Golden Acre Wealth Management is a fee-only fiduciary financial planning firm in Scottsdale, Arizona, for people nearing or in retirement.
Clients in Phoenix, Scottsdale, Tempe, Chandler, Gilbert, Mesa and the rest of Arizona. Below are five questions to ask before hiring an advisor, with our answers.
How are you paid?
By you, through an advisory fee. Golden Acre is fee-only and a fiduciary, and it sells no products. No commissions and no referral fees. As a fiduciary, it is required to put your interests first. What fee-only means.
What do you actually do for me?
Five services under one fee. Tax strategy is included; tax return preparation is a separate flat fee.
- Investment management, run with your taxes in mind.
- Retirement planning: Social Security, withdrawals, Roth conversions and RMDs.
- Tax planning, year-round.
- Estate & Legacy Planning, coordinated alongside your own attorney. No document drafting.
- Inheritance planning, including inherited IRAs.
Who will I work with?
Aaron Randak, a CFP® professional and Enrolled Agent, plans each client’s investments, retirement income and taxes together.
CFP® professional. Enrolled Agent, admitted to practice before the IRS. B.S. Finance and B.S. Financial Counseling & Planning, Iowa State University.
He grew up on a farm in Iowa and founded Golden Acre in Scottsdale. He manages the portfolio himself and keeps the plan current as your life and the tax rules change. More about Aaron.
What does it cost?
A blended percentage of the assets Aaron manages. Each rate applies only to the dollars in its tier.
Billed quarterly in advance, negotiable, no account minimum. The fee covers all five services; tax return preparation is a separate flat fee. Fund expenses and any trading costs are separate and are not paid to us. Full fee schedule.
What happens on the first call?
Thirty minutes with Aaron. You talk through your situation, and he tells you whether Golden Acre is a fit. It is free, with nothing to sign and nothing to buy.
If you go ahead, you get a written plan, our Form ADV brochure and a written scope of work to read on your own time.
Arizona tax rules we plan around.
Arizona tax on Social Security
The state doesn’t tax your benefit, so the planning is about the federal side: how much of it becomes taxable, and when you claim.
Flat state income tax
It applies to IRA withdrawals, Roth conversions and most pensions. We count it in every conversion and withdrawal decision.
Of long-term gains subtracted
For assets acquired after 2011, Arizona subtracts 25% of the net long-term gain. One more reason to choose which shares you sell, and when.
Arizona estate or inheritance tax
Estate planning here centers on beneficiaries, titling and the federal rules, coordinated with your attorney.
Arizona law for the 2026 tax year. Federal taxes still apply, and your situation decides which rules matter.
Other questions
Do you work with clients outside Phoenix?
Is there an account minimum?
Is Golden Acre a registered firm?
Start with a free 30-minute call.
Thirty minutes with Aaron. Free, and nothing to buy.