Ninety days from the first conversation to a working plan.
Weeks 0 to 2
Understand your goals
We begin with your priorities, your timeline, and what you want your resources to support. Before a single dollar moves, we listen.
- Goals and values: retirement timing, family, philanthropy, what the money is for
- Full inventory: accounts, equity compensation, business interests, insurance, debts
- Risk profile: not a questionnaire score, but how you actually behaved in past downturns
- Estate documents, tax returns, and current advisor relationships, all on one table
You leave with your goals in writing
Weeks 2 to 6
Design the plan
Investment, tax, and estate considerations are organized into one strategy, built around your circumstances and modeled before anything is recommended.
- An Investment Policy Statement: targets, rebalancing rules, and what we will never do
- Tax strategy: asset location, loss harvesting, Roth conversion windows, charitable timing
- Estate coordination with your attorneys, so titles and beneficiaries match the plan
- Stress tests: market crashes, early retirement, long-term care, selling the business
You leave with a written plan
Weeks 6 to 12
Put the plan to work
A plan on paper changes nothing. We implement it carefully: tax aware, at your pace, with every step visible to you.
- Accounts opened in your name at an independent third-party custodian
- Legacy and concentrated positions transitioned thoughtfully, not all at once
- Portfolios built for long-term ownership, with valuation discipline and risk awareness
- Documents executed: beneficiaries updated, trusts funded, insurance gaps closed
You leave with a working portfolio
Every quarter, for life
Guide decisions over time
As life and markets change, we revisit the plan and keep every decision anchored to your long-term goals. This is where a written process does its quietest work.
- Rebalancing back to policy targets on a set rule, not in reaction to headlines
- Year-round tax work: harvesting, bracket management, timing income and conversions
- Plan updates for every life event: a sale, an inheritance, a birth, a diagnosis
- A steady voice when headlines get loud, so decisions stay tied to the written plan
You leave with a plan that stays current
The road continues.
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Week 1
The first conversation
A complimentary consultation. Your goals, our approach, and an honest answer on whether we are a fit. No paperwork, no pressure.
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Weeks 2 to 6
Your plan takes shape
We gather documents, model scenarios, and present a written plan with the reasoning behind every recommendation.
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Weeks 6 to 12
The plan goes to work
Accounts open, portfolios transition tax aware, documents get signed. You see every step. Nothing happens in a black box.
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Every quarter after
Stewardship, on repeat
Rebalancing, tax management, and plan reviews on a rhythm, plus a call whenever life changes. This is the long game.
What travelers ask before the first step.
Is William Allan a fee-only financial advisor?
Yes. William Allan is a fee-only, fiduciary wealth management firm. We do not earn commissions, and our only compensation comes directly from our clients. This structure is designed to reduce conflicts of interest, but every recommendation should still be weighed against your goals, risk tolerance, and circumstances.
What is a fiduciary financial advisor?
A fiduciary is required to act in your best interest at all times. As a fiduciary, William Allan must place your interests ahead of the firm's own, and must disclose material conflicts of interest. You can review the firm's disclosures in its Form ADV and Form CRS, filed with the SEC.
What investment strategy does William Allan use?
Long-term ownership, valuation discipline, and risk-aware portfolio construction. Depending on the client, that may include individual securities, income-oriented holdings, and tax-aware implementation.
How do you manage investment risk?
Through security selection, diversification, liquidity awareness, and a long-term approach rooted in discipline rather than reaction. Market losses and volatility can still occur, and no approach can eliminate risk.
How do I get started?
Schedule a complimentary consultation through willallan.com or call (800) 677-5309. We will discuss your goals, timeline, and financial situation, and decide together whether we are the right fit.
Every journey begins with one conversation.
Schedule an introductory call. We will talk through your situation, what you are looking for, and whether William Allan is the right fit. No cost, no obligation.
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