Fee-only financial advisor · Scottsdale, AZ

A Scottsdale financial advisor for Arizona retirements.

Aaron Randak, a CFP® professional and Enrolled Agent, plans your investments, retirement income and taxes together, here in Scottsdale. Fee-only, so you’re the only one who pays us.

  • Fee-only fiduciary
  • Aaron Randak, CFP®, EA
  • Income, tax and estate decisions, together
Planning for Arizona

Retiring in Arizona changes the math.

Four Arizona rules we build into every plan, alongside the federal ones that still apply.

$0

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.

2.5%

Flat state income tax

It applies to IRA withdrawals, Roth conversions and most pensions. We count it in every conversion and withdrawal decision.

25%

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.

None

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.

Palm trees and mountains at sunset over a Scottsdale golf course

Scottsdale-based. Valley-wide.

Golden Acre works with households across Scottsdale, Paradise Valley, Fountain Hills, Carefree, Cave Creek and the Phoenix area, and beyond.

Aaron Randak, CFP® professional and Enrolled Agent
Aaron Randak, CFP®, EA
One advisor

The person you meet runs your plan.

Aaron sets the allocation, places the trades and answers the phone. As a CFP® professional and an Enrolled Agent, he plans your investments and your taxes together. More about Aaron

Arizona guides: Roth conversions, RMDs and QCDs, inherited IRAs

One fee for all five services.

A blended percentage of the assets Aaron manages. Each rate applies only to the dollars in its tier.

1.50%First $250,000
1.25%$250,000 to $500,000
1.00%$500,000 to $2 million
0.75%Above $2 million

Billed quarterly in advance, negotiable, no account minimum. Tax return preparation is a separate flat fee. Fund expenses and any trading costs are separate and are not paid to us.

See the full fee schedule What fee-only means Check our public record (IAPD), CRD #337930
How it starts

Three steps, no pressure.

  1. 1

    A free 30-minute call

    You talk, Aaron listens, and he tells you whether Golden Acre is a fit.

  2. 2

    A written plan

    Income, taxes and investments in one plan. You get our Form ADV brochure and a written scope of work to read on your own time.

  3. 3

    Aaron runs it

    He manages the portfolio and keeps the plan current as your life and the tax rules change.

Common questions

Before you book

How much does Golden Acre charge?
A blended percentage of the assets Aaron manages: 1.50% on the first $250,000, 1.25% to $500,000, 1.00% to $2 million and 0.75% above that. It covers all five services, investment management included. Tax return preparation is a separate flat fee.
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. Free, and nothing to buy.
Do you work with clients outside Scottsdale?
Yes. Golden Acre is based in Scottsdale and works with clients wherever they live.
Do you earn commissions?
No. Golden Acre is fee-only: clients are the only ones who pay us. We sell no products, earn no commissions and take no referral fees.
Is there an account minimum?
No. Golden Acre Wealth Management has no minimum asset requirement. The fee schedule and services are designed for households with $250,000 or more in investable assets, whose retirement income, tax and estate decisions are complex enough to benefit from planning them together. If a full engagement isn’t the right fit, Aaron will say so on the first call.
Scottsdale, AZ

Start with a 30-minute call.

Thirty minutes with Aaron. Free.

Book a free call Take the 60-second quiz
or call (480) 916-9554