William Allan Wealth Management · Business Owner Planning
Financial Planning for Business Owners
Coordinate the business, portfolio, tax return, and personal plan before a major decision forces the issue.
For a business owner, company cash flow and personal wealth rarely move on separate tracks. Compensation, estimated taxes, retirement contributions, concentrated risk, a future sale, and the estate plan can all affect one another. William Allan brings those decisions into one planning process with fee-only investment management and CPA-led tax work.
One Balance Sheet, Two Sets of Decisions
Business and Personal Liquidity
We help distinguish operating cash, near-term tax obligations, personal reserves, and long-term investment capital so each dollar has a clear job.
Owner Income and Taxes
Compensation, distributions, realized gains, charitable gifts, and retirement contributions are considered together with the tax return rather than after the year closes.
Portfolio and Company Risk
When much of a household's wealth depends on one business, the personal portfolio should be evaluated in light of that concentration, liquidity, and time horizon.
When Coordinated Planning Matters Most
Uneven Income Years
A strong or weak business year can change estimated taxes, savings capacity, portfolio withdrawals, and the timing of other financial decisions.
A Sale or Liquidity Event
Before and after a transaction, we help organize cash needs, tax considerations, investment risk, charitable goals, and the transition from business income to portfolio income.
Succession and Legacy
We coordinate the financial side of succession and estate planning with qualified attorneys, including account ownership, beneficiaries, liquidity, and the investment plan.
What the William Allan Structure Adds
Fee-Only Fiduciary Advice
William Allan is paid directly by clients and does not earn commissions for selling investments, insurance, or proprietary products.
CPA-Led Tax Work
Tax planning and preparation are handled by the same in-house team through affiliated Crawshaw CPAs under a separate agreement from investment management.
Specialists in the Right Roles
We coordinate investment and tax decisions and work with qualified attorneys on legal documents. Each professional remains responsible for the work within their discipline.
Questions to Bring to the First Meeting
- How much personal wealth is already tied to the business?
- Which cash belongs in operations, tax reserves, personal reserves, or long-term investments?
- What would change financially if the business were sold or transferred?
- Are owner income, retirement contributions, and estimated taxes being considered together?
- Does the personal portfolio offset or compound the risks already present in the business?
- Do the estate documents, beneficiaries, and liquidity plan reflect the current ownership structure?
Frequently Asked Questions
Does William Allan work with business owners?
Yes. William Allan works with business owners whose planning needs can include portfolio management, CPA-led tax planning and preparation, retirement decisions, liquidity events, and estate plan coordination.
Can William Allan help before or after a business sale?
William Allan can help organize the investment, tax, liquidity, retirement, and estate-planning decisions around a potential or completed sale. Legal transaction advice and document drafting remain with qualified attorneys.
How are tax services handled?
Tax planning and preparation are handled in-house by a CPA-led team through Crawshaw CPAs, William Allan's affiliated CPA practice, under a separate agreement from investment management.
Does William Allan earn commissions from financial products?
No. William Allan is fee-only and is paid directly by clients. The firm does not earn commissions for selling investments, insurance, or proprietary products.
Where can business owners meet with William Allan?
William Allan has offices in Long Beach, California and Fort Collins, Colorado. The first conversation focuses on the owner's current structure, priorities, and the decisions that need to be coordinated.
Put the business and personal plan in one conversation.
Schedule a complimentary consultation to identify the decisions that need to happen in the right order.