William Allan Wealth Management · Retirement & Tax Planning

Plan the transition from saving to living on your wealth.

Retirement planning connects the income you need, the accounts you draw from, and the taxes that come with those decisions.

William Allan coordinates retirement planning with ongoing portfolio management and CPA-led tax work. We help you consider the tradeoffs together, whether retirement is approaching, you have already stopped working, or a change in your family has shifted the plan.

When a coordinated plan can help

You are approaching retirement

You want to understand how spending, benefit decisions, and investment withdrawals fit together before a regular paycheck ends.

Your accounts need a common plan

You have old employer plans, IRAs, and taxable investments, and want to compare their roles, costs, and features before making changes.

Your circumstances have changed

An inheritance, a move, or a change in your household may call for another look at your income needs, investment risk, and tax picture.

Decisions we consider together

Income and withdrawals

Bring expected spending, cash needs, and available income into one picture. Consider which accounts may support withdrawals and how the plan should respond as circumstances change.

Taxes and account choices

Evaluate questions such as Roth conversions, required distributions, charitable giving, and the tax effects of withdrawals in the context of your circumstances. A strategy that fits one household may not fit another.

Social Security and household needs

Consider benefit timing alongside other income, a spouse's needs, and the broader retirement plan. Confirm benefit estimates and eligibility with the Social Security Administration.

Portfolio risk and flexibility

Align ongoing portfolio management with your time horizon, liquidity needs, and capacity for market fluctuations. Investment values can fall, and a plan cannot guarantee income or returns.

How the relationship works

Begin with fit

The first conversation is a free intake call with Ian Bearss. He gathers your questions and helps identify the appropriate advisor. It is not an advisory meeting or a complete financial analysis.

Define the work with your advisor

If there is a fit, discuss the scope, responsibilities, and fees before beginning an engagement. Tax planning and preparation are separately engaged and billed through affiliated Crawshaw CPAs.

Revisit the decisions

In an ongoing advisory relationship, review the portfolio and planning questions as your needs, markets, and tax circumstances change. Estate documents remain the responsibility of qualified attorneys.