Raymond Singh is the Founder of Innovative Retirement Solutions, PLLC and a Registered Financial Adviser with Cetera Financial Services, an independent registered broker-dealer and member FINRA/SIPC. Securities and insurance products are offered through the firm.

For decades, Raymond has helped individuals, families, and business owners navigate retirement and wealth planning with greater clarity, confidence, and purpose. He believes financial planning is deeply personal — not just about investments or numbers, but about creating the life clients want to live, protecting the people they care about most, and building a lasting legacy.

Raymond holds FINRA Series 7, 24, and 65 licenses, along with an Arizona State Insurance License. He has also earned the Accredited Wealth Management Advisor (AWMA®) and Registered Financial Consultant (RFC®) designations, reflecting his commitment to continuing education, integrity, and thoughtful financial guidance.

His focus is helping clients develop tax-efficient retirement and wealth strategies designed to create dependable income, reduce unnecessary tax exposure, and position assets for long-term sustainability. Raymond frequently collaborates with CPAs and attorneys to help ensure each client’s retirement, business, tax, and estate planning strategies work together cohesively and efficiently.

Raymond especially enjoys working with business owners who want to align their personal financial goals with their business strategies. Whether preparing for a future business transition, improving retirement plan structures, or preserving more of what they have worked hard to build, his goal is to provide practical solutions focused on long-term outcomes. What Raymond values most are the relationships he builds with clients.