Raman Your CFO

09/10/2025

When we tend to follow a trend or take advice from professional influencers, it’s easy to forget there are real-world repercussions.

Not every “hack,” hot tip, or trendy strategy works the same way for everyone. What looks good in a short video or polished post may not fit your circumstances, your goals, or the risks you’re willing to take.

Trends come and go. But when it comes to your money, your career, or your business, decisions deserve context, analysis, and a plan that’s tailored to you with an appropriate expertise.

Pause. Question. Understand the impact before you act.

Because while influence is free, the consequences aren’t.

09/01/2025

Running a business is kind of like being a parent…

• No one gives you the full manual.

• There are sleepless nights.

• And you’re constantly making decisions with the hope that the future “adult version” will thank you for it.

Last night’s meeting looked a little different — my junior partner insisted on sitting in. Now He may not say much yet, but those eyes are definitely asking: “Dad, are you sure this is tax-efficient?”

At the end of the day, business ownership and parenting have one thing in common: it’s about showing up for your people. Whether it’s my family, my clients, or my community, my role is to protect, guide, and build for the long-term.

Also… let’s be honest. Nobody wears a vest better than this guy. 😉

Your Personalized CFO

09/01/2025

Running a business is kind of like being a parent…

• No one gives you the full manual.

• There are sleepless nights.

• And you’re constantly making decisions with the hope that the future “adult version” will thank you for it.

Last night’s meeting looked a little different — my junior partner insisted on sitting in. Now He may not say much yet, but those eyes are definitely asking: “Dad, are you sure this is tax-efficient?”

At the end of the day, business ownership and parenting have one thing in common: it’s about showing up for your people. Whether it’s my family, my clients, or my community, my role is to protect, guide, and build for the long-term.

Also… let’s be honest. Nobody wears a vest better than this guy. 😉

Your Personalized CFO
www.singhpwm.com
Confidence, Clarity, Care

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08/18/2024

They are the default choice for millions of retirement savers who are automatically enrolled in 401(k) plans. But some investors are moving out of them.

08/18/2024

Many investors are moving out of target date funds and replacing them with low cost index fund portfolios. A great article written by The Wall Street Journal and I was also able to share my insights on how I am helping my clients rebalance out of the target date funds -

They are the default choice for millions of retirement savers who are automatically enrolled in 401(k) plans. But some investors are moving out of them.

08/18/2024

https://www.gobankingrates.com/money/financial-planning/financial-advisor-costliest-mistakes-middle-class-boomers-make/

Baby boomers are fast approaching retirement, with many already retired and enjoying their golden years. But there are some costly mistakes that could turn a dream retirement into a nightmare in a hurry for middle-class boomers. The median estimated retirement fund for baby boomers is just $202,000,...