Bright Wealth Management

Retirement Planning Services in Greater Phoenix & Scottsdale

Bright Wealth Management provides comprehensive retirement planning services to individuals and families throughout the Greater Phoenix area, including Scottsdale, Goodyear, and Surprise. Whether you're planning for retirement or already navigating life after work, the firm offers personalized guidance tailored to your specific situation.

Unlike traditional brokerage firms, Bright Wealth Management operates independently, free from corporate pressure to sell specific products or meet sales quotas. This independence allows Matt Dages and his team to focus entirely on what matters most: building customized retirement plans around each client's unique goals.

The firm's Arizona-focused expertise means Matt understands the opportunities and challenges facing local retirees — from state tax considerations to regional cost-of-living factors — ensuring clients receive relevant, actionable advice.

Fiduciary Advisory Services

Every advisor at Bright Wealth Management operates under the fiduciary standard — legally and ethically bound to act in your best interest at all times, with no commission-based sales and no hidden fees. Services include:

Retirement Tax Strategies
Taxes can be one of the largest expenses in retirement. Matt helps clients navigate retirement tax law with strategies for tax-efficient income planning and staying compliant while maximizing deductions and credits.

Social Security Optimization
The timing of your Social Security claim can impact your lifetime benefits by tens of thousands of dollars. Matt analyzes your options and helps develop a strategy that maximizes benefits while coordinating with your overall retirement plan.

Roth IRA Conversion Planning
Roth conversions can reduce future taxes and create tax-free retirement income. Matt helps determine optimal timing and conversion amounts, balancing today's tax brackets against tomorrow's tax-free withdrawals.

Retirement Withdrawal Strategies
How you withdraw from retirement accounts affects how long your savings last. Matt builds tax-efficient withdrawal plans that manage Required Minimum Distributions, coordinate across account types (401(k), IRA, taxable accounts, Social Security), and minimize taxes while meeting income needs.

Generational Wealth Planning
For clients who want to leave a legacy, Matt helps families develop strategies to preserve and transfer wealth efficiently — including gifting strategies, trust structures, beneficiary designations, and charitable giving.

Estate Planning Coordination
While Bright Wealth Management doesn't provide legal services, Matt works closely with estate planning attorneys to coordinate your financial plan with your estate plan, ensuring beneficiary designations and asset distribution align with your goals.

SECURE Act Retirement Planning
The SECURE Act and SECURE Act 2.0 introduced major changes to RMDs, inherited IRAs, and more. Matt stays current on evolving retirement tax law so clients don't have to — translating new rules into clear, actionable guidance.