Aaron Randak, CFP® professional and Enrolled Agent, founder of Golden Acre Wealth Management
Aaron Randak, CFP®, EAFounder · Scottsdale, Arizona
Services/No. 02
Included in the advisory fee

A retirement paycheck that outlasts you

Social Security, withdrawals, Roth conversions, RMDs, and Medicare — coordinated into one tax-aware income plan by a CFP® professional and Enrolled Agent.

Book a free intro call → See the fee schedule

Fee-only — no commissions or product sales. Your accounts are opened in your own name at an independent custodian, Charles Schwab or Altruist; Golden Acre never holds your money. CFP® professional and IRS Enrolled Agent. Arizona-registered, CRD #337930.

Aaron Randak, CFP® professional and Enrolled Agent, founder of Golden Acre Wealth Management
Aaron Randak, CFP®, EAFounder · Scottsdale, Arizona

Retirement is a tax problem before it's an investment problem.

For thirty years the job was simple: save, invest, repeat. Then retirement flips the question. Now it's which account do I draw from first, when do I claim Social Security, and how do I keep taxes and Medicare surcharges from quietly taking a bigger cut than the market ever did?

Those decisions interact — a withdrawal changes your bracket, your bracket changes your conversion window, your income changes your Medicare premium. We plan them together, because that's the only way they work.

What You Get
Six decisions, one coordinated plan
No. 1
Social Security claiming strategy
Claiming at 62 versus 70 can swing lifetime benefits by six figures for a couple. We model your break-evens, survivor benefits, and tax interactions before you file.
No. 2
Withdrawal sequencing
Taxable, traditional, and Roth accounts are taxed three different ways. The order you spend them changes how long the money lasts — we set the order, then revisit it every year.
No. 3
Roth conversions in the gap years
The years between retiring and RMDs are often your lowest brackets ever. We fill them deliberately with conversions that shrink future required distributions.
No. 4
RMD planning and QCDs
Required minimum distributions are a schedule, not a strategy. We plan around them — including qualified charitable distributions that satisfy the RMD without the tax.
No. 5
Medicare & IRMAA management
One dollar over an IRMAA threshold can raise a couple's Medicare premiums by thousands. Your income plan is built with those cliffs mapped in advance.
No. 6
Pension & annuity coordination
Lump sum or lifetime income? Single or joint life? We run the math on the options you already have before anyone tries to sell you a new one.

One fee covers the whole relationship

Retirement planning is one of five services included in the advisory fee. The others come with it — not as add-ons.

No. 01
Investment Management
Tax-aware portfolios managed around your withdrawal plan.
No. 03
Tax Planning
Year-round strategy from an Enrolled Agent, built into every decision.
No. 04
Estate & Legacy
Beneficiaries, titling, and coordination with your attorney.
No. 05
Inheritance
Inherited IRA rules, step-up basis, and a calm plan for windfalls.

A $1M portfolio pays $11,875 a year — an effective 1.19% blended rate. Tiers run 1.50% down to 0.75%, so your effective rate falls as the portfolio grows. Tax return preparation is quoted separately as a flat fee. See the full fee schedule →

Common Questions
Fair questions, straight answers
When should I start retirement income planning?
Ideally 5–10 years before you retire. That's when the biggest levers — Roth conversion windows, Social Security timing, and asset location — are still fully open. But it's never too late: even in retirement, withdrawal order and RMD planning can meaningfully change your after-tax income.
Does Arizona tax my retirement income?
Arizona has a flat 2.5% income tax and does not tax Social Security benefits, which changes the math on conversions and withdrawals compared with higher-tax states. We build the plan around Arizona's rules — and around federal thresholds like IRMAA that follow you anywhere.
Do I need a certain amount saved to work with you?
No — there's no account minimum. Retirement planning is included in the advisory fee for managed clients, and if you're not ready for full management, a one-time flat-fee plan or hourly engagement can answer the same questions.
What about Roth conversions — are they always a good idea?
No. Conversions are powerful in the right years and counterproductive in the wrong ones — they can trigger IRMAA surcharges, tax more of your Social Security, or fill brackets you'll never see again. That's exactly why the analysis is done by the person who also sees your tax return.
Will you manage my investments too?
Yes — that's the point of one relationship. The portfolio is managed to fund the income plan: cash reserves for near-term spending, tax-aware placement of the rest, and rebalancing that respects your bracket. One fee covers both.
Next Step

Find out what your retirement actually pays

A relaxed 30-minute call with Aaron. No pressure, no pitch — bring your questions.

Book a free intro call →

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Golden Acre Wealth Management LLC 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. Examples on this page are illustrative; outcomes depend on individual circumstances, and tax rules are subject to change. 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.