Prime Wealth Advisors
Retirement Planning in Sun City West, AZ
Your one-stop retirement shop for coordinated financial, tax, and estate planning in the West Valley.
Prime Wealth Advisors is a retirement planning firm located at 13843 W. Meeker Blvd, Suite 105, Sun City West, AZ 85375. The firm serves retirees and pre-retirees across Sun City West, Sun City, Surprise, Peoria, Glendale, and the surrounding West Valley.
Prime Wealth Advisors was built around a simple but important belief: your personal finances should be personal. Retirement planning should not feel fragmented, generic, or disconnected. Your income strategy, investment plan, tax picture, IRA decisions, Roth conversion opportunities, estate plan, beneficiary designations, long-term care concerns, and legacy goals should work together. If you need money management help in Sun City, Surprise, Sun City West or the surrounding areas... Prime Wealth Advisors has you covered. How?
Prime Wealth Advisors brings three key professionals together under one roof: Orion Willis, ChFC® CLU®, CEO and Founder of Prime Wealth Advisors; Cliff S. Farmer, Senior Tax Manager and owner of Prime Wealth Accounting; and Dennis Caufield, an estate and elder law attorney. Together, they help clients coordinate retirement income, wealth management, tax planning, estate planning, elder law considerations, RMD planning, IRA planning, Roth conversion planning, annuities, investments, insurance, charitable giving, and legacy planning.
With more than 80 years of combined professional experience under one roof, Prime Wealth Advisors offers clients access to a deeply coordinated planning model. Instead of sending clients from one office to another, the firm helps bring financial planning, tax planning, and estate planning conversations together in one place.
For many retirees, that coordination is the difference between having separate financial pieces and having an actual retirement plan.
What Makes Prime Wealth Advisors Different?
Many firms focus on only one part of retirement. Some firms manage investments. Some prepare taxes. Some draft estate documents. Prime Wealth Advisors was designed to connect those disciplines so clients can make retirement decisions with a broader view of the consequences.
That matters because retirement decisions rarely stand alone. A portfolio withdrawal can affect taxes. A Roth conversion can affect Medicare premiums. An IRA rollover can affect beneficiary planning. An annuity decision can affect retirement income. A trust or estate plan can affect how assets move to heirs. A charitable giving strategy can affect taxable income. A long-term care concern can affect both financial and legal planning.
Prime Wealth Advisors helps clients look at those issues together instead of treating them as separate problems.
Financial Planning, Tax Planning, and Estate Planning Under One Roof
Prime Wealth Advisors is structured around coordination. Orion Willis leads retirement income, wealth management, investment, annuity, insurance, IRA, and 401(k) rollover planning. Cliff S. Farmer leads Prime Wealth Accounting and brings tax expertise into the planning process. Dennis Caufield brings estate law and elder law expertise into the same client conversation.
This structure helps clients address retirement from multiple angles at once: how money is invested, how income is generated, how taxes may be affected, how assets are protected, how beneficiaries are named, how estate documents align with financial goals, and how long-term care issues may be considered.
Clients do not have to act as the messenger between their advisor, tax professional, and estate planning attorney. At Prime Wealth Advisors, those disciplines are part of the same planning environment.
Annuity Planning and Guaranteed Income Strategies
Prime Wealth Advisors helps retirees and pre-retirees evaluate annuities as part of a broader retirement income strategy. Annuities are not treated as stand-alone products. They are reviewed in the context of the client’s retirement income needs, tax picture, investment strategy, risk tolerance, estate plan, liquidity needs, Social Security timing, RMD planning, and long-term financial goals.
For some retirees, annuities may help create a more predictable stream of income in retirement. For others, they may not be the right fit. Prime Wealth Advisors helps clients understand the role annuities can play, including potential benefits, limitations, costs, surrender periods, liquidity restrictions, tax considerations, and how guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
The firm’s annuity planning conversations may include fixed annuities, fixed indexed annuities, retirement income riders, lifetime income strategies, principal protection features available through fixed insurance products, and how annuity income may coordinate with Social Security, pensions, IRAs, 401(k)s, RMDs, Roth conversion planning, tax-efficient withdrawal strategies, and estate planning.
Prime Wealth Advisors does not position annuities as a one-size-fits-all solution. The firm evaluates them as one possible tool within a coordinated retirement plan. The goal is to help clients determine whether an annuity can support income stability, reduce certain retirement income risks, and fit appropriately with the rest of the client’s financial, tax, and estate planning picture.
Important clarification: any references to guarantees, principal protection, or lifetime income apply only to fixed insurance products and are subject to the claims-paying ability of the issuing insurance company. They do not apply to securities or investment products.
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Retirement Income Planning
Retirement income planning is about more than deciding how much money to withdraw. It is about creating a strategy for turning savings, investments, Social Security, pensions, annuities, IRAs, and other assets into income that can support retirement over time.
Prime Wealth Advisors helps retirees and pre-retirees evaluate how income may be generated, how withdrawals should be coordinated, how market risk may be managed, how taxes may affect income, and how different income sources work together. The goal is to help clients move from a collection of accounts to a coordinated income plan.
IRA, Roth IRA, and 401(k) Rollover Planning
IRAs and 401(k)s are often among the largest retirement assets a person owns. Decisions about traditional IRAs, Roth IRAs, inherited IRAs, SEP IRAs, SIMPLE IRAs, and 401(k) rollovers can affect taxes, income, beneficiaries, estate planning, and long-term retirement flexibility.
Prime Wealth Advisors helps clients evaluate IRA and retirement account decisions within the larger retirement picture. That may include traditional IRA planning, Roth IRA planning, 401(k) rollover considerations, inherited IRA planning, beneficiary designations, IRA legacy planning, charitable giving strategies, and tax-efficient withdrawal planning.
The goal is not simply to own retirement accounts. The goal is to understand how those accounts should be used, when they should be accessed, how they may be taxed, and how they may transfer to the next generation.
Roth Conversion Planning
Roth conversion planning can be an important part of retirement tax strategy. A Roth conversion generally moves money from a traditional pre-tax retirement account into a Roth IRA or Roth account. The converted amount is generally taxable in the year of the conversion, but qualified Roth distributions may be tax-free later.
Roth conversions are not right for everyone. They need to be evaluated carefully because converting too much in one year can increase taxable income, affect Medicare premiums, and create avoidable tax pressure. But when coordinated properly, Roth conversion planning may help create more tax flexibility in retirement, reduce future RMD pressure, and improve legacy planning options for beneficiaries.
At Prime Wealth Advisors, Roth conversion planning is reviewed alongside retirement income needs, investment strategy, tax planning, Medicare income considerations, charitable giving goals, estate planning, and long-term legacy objectives.
Required Minimum Distribution Planning
Required Minimum Distributions, or RMDs, are the minimum amounts the IRS generally requires account owners to withdraw annually from certain retirement accounts once they reach the required age. RMDs commonly apply to traditional IRAs, SEP IRAs, SIMPLE IRAs, and many employer-sponsored retirement plans.
RMDs are not just withdrawals. They are tax events. Each distribution may be taxed as ordinary income, may affect Medicare-related costs, may influence taxable income, and may change how the rest of a retirement income plan is structured.
Prime Wealth Advisors helps clients think about RMDs before they become urgent. That may include reviewing future income needs, tax exposure, Roth conversion opportunities, charitable giving strategies, IRA beneficiary planning, and the timing of distributions across multiple retirement accounts.
The purpose is not merely to calculate the RMD. The purpose is to understand how that RMD fits into the larger plan.
Tax-Efficient Retirement Planning
Taxes can shape nearly every retirement decision. Withdrawals, Roth conversions, IRA distributions, investment income, Social Security taxation, capital gains, charitable giving, estate planning, and Medicare income thresholds may all be connected.
Because Cliff S. Farmer leads Prime Wealth Accounting and works in coordination with the Prime Wealth Advisors team, tax considerations can be reviewed as part of the broader retirement strategy. This helps clients avoid making financial decisions first and discovering the tax consequences later.
Tax planning does not mean avoiding taxes altogether. It means making informed decisions about timing, income, withdrawals, conversions, deductions, charitable giving, and legacy goals.
Estate Planning, Elder Law, Beneficiary Planning, and Legacy Strategy
Estate planning is not separate from retirement planning. It is one of the ways a retirement plan becomes complete.
Dennis Caufield brings estate law and elder law expertise into the Prime Wealth Advisors planning environment. That can include trusts, wills, probate guidance, powers of attorney, healthcare directives, long-term care legal considerations, charitable giving, beneficiary planning, and legacy planning.
For many retirees, the question is not only, “Will I have enough?” It is also, “Will my plan work the way I intended if something happens to me?” Prime Wealth Advisors helps clients connect financial planning, tax planning, and estate planning so those questions are addressed together.
Annuities, Investments, Insurance, and Asset Preservation Strategies
Prime Wealth Advisors works with clients on retirement income strategies, wealth management, annuities, investments, asset preservation strategies, life insurance, and long-term care strategies. These tools are not viewed as isolated products. They are evaluated based on how they fit into the client’s larger retirement plan.
For some clients, that may involve market-based investment planning. For others, it may include guaranteed income discussions through fixed insurance products. For others, it may involve insurance, estate planning, tax strategy, or long-term care concerns. The right approach depends on the client’s goals, risk tolerance, income needs, tax situation, and family priorities.
Social Security, Medicare, and IRMAA Planning Considerations
Retirement income decisions can affect more than investment accounts. Social Security income, taxable withdrawals, Roth conversions, RMDs, pensions, and investment income may all influence a retiree’s broader financial picture.
Higher income may also affect Medicare costs through income-related monthly adjustment amounts, commonly known as IRMAA. That is why taxable income planning matters before and during retirement.
Prime Wealth Advisors helps clients consider how retirement income decisions may interact with Social Security, Medicare income thresholds, tax planning, RMDs, and Roth conversion timing.
Why Coordination Matters
A retirement plan can break down when the pieces are handled separately. An investment strategy that ignores taxes can create problems. A tax strategy that ignores estate planning can create problems. An estate plan that ignores beneficiary designations can create problems. An RMD strategy that ignores Roth planning can create problems. A retirement income plan that ignores long-term care can create problems.
Prime Wealth Advisors exists to help clients avoid that fragmentation. The firm brings the conversation together so retirement planning is not reduced to a product, a tax return, a legal document, or a single account statement.
The firm’s approach is comprehensive because retirement is comprehensive.
The Team Behind Prime Wealth Advisors
Orion Willis, ChFC® CLU® — CEO and Founder
Orion Willis built Prime Wealth Advisors to give retirees and pre-retirees access to coordinated, comprehensive retirement planning. Holding the Chartered Financial Consultant and Chartered Life Underwriter designations, Orion works with clients on retirement income strategies, wealth management, annuities, investments, IRA and 401(k) rollovers, Roth conversion considerations, RMD planning, asset preservation strategies, and life insurance.
Cliff S. Farmer — Senior Tax Manager, Owner of Prime Wealth Accounting
Cliff S. Farmer is Senior Tax Manager and owner of Prime Wealth Accounting. His role helps bring tax expertise into the retirement planning conversation before major decisions are made. Cliff works alongside Orion and Dennis to help clients consider tax issues related to retirement income, IRA withdrawals, Roth conversions, RMDs, charitable giving, estate planning, and long-term financial decisions.
Dennis Caufield — Attorney, Estate Law and Elder Law
Dennis Caufield is an attorney focused on estate law and elder law. His role helps clients address trusts, wills, probate guidance, powers of attorney, healthcare directives, long-term care legal considerations, charitable giving, beneficiary planning, and legacy planning in coordination with the broader retirement strategy.
A Firm Rooted in Sun City West and the West Valley
Prime Wealth Advisors serves retirees and pre-retirees across Sun City West, Sun City, Surprise, Peoria, Glendale, and the surrounding West Valley. The firm works with clients who want more than a transaction. They want a coordinated plan, a responsive team, and professionals who understand the retirement concerns common to this community.
Clients often come to Prime Wealth Advisors with disconnected pieces: an old 401(k), a traditional IRA, a Roth IRA question, an outdated estate plan, tax concerns, questions about RMDs, uncertainty about Social Security, concerns about Medicare premiums, or a need for more dependable retirement income. Prime Wealth Advisors helps bring those pieces into one coordinated planning conversation.
Community First. Always.
Prime Wealth Advisors’ commitment to Sun City West extends beyond its office walls.
The firm serves as Title Sponsor of the annual Sun City West Pickleball Ball Drop, which in 2026 raised $58,694.62 for seven Sun City West nonprofit organizations through the Sun City West Foundation. That sponsorship reflects a long-term commitment to this community, not a one-time gesture.
Prime Wealth Advisors is also a proud supporter of Toys for Tots because taking care of a community means showing up for all of its members.
Retirement Planning Services
Prime Wealth Advisors provides retirement income planning, wealth management, investment planning, annuity planning, fixed insurance product income strategies, life insurance planning, asset preservation strategies, IRA planning, Roth IRA planning, Roth conversion planning, traditional IRA planning, inherited IRA planning, SEP IRA planning, SIMPLE IRA planning, 401(k) rollover planning, RMD planning, IRA legacy planning, beneficiary planning, tax-efficient retirement planning, tax planning, charitable giving strategies, estate planning coordination, trusts, probate guidance, elder law coordination, long-term care planning considerations, Social Security income coordination, Medicare income planning considerations, and IRMAA planning considerations.
Serving Sun City West (85375), Sun City (85351), Surprise (85374), Peoria (85345), Glendale (85301), and the surrounding West Valley.
Contact Prime Wealth Advisors
Prime Wealth Advisors
13843 W. Meeker Blvd, Suite 105
Sun City West, AZ 85375
Phone: 623-777-7463