FIDUCIARY GUIDANCE • CFP® PROFESSIONAL • 25+ YEARS OF EXPERIENCE
Who We Work Best With
William Arthur Wealth serves individuals and couples who value thoughtful planning, direct access to their advisor, and an ongoing relationship throughout retirement.
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Age 50 or older
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Within 10 years of retirement or already retired
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Generally managing $500,000 or more in investable assets
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Seeking coordinated retirement planning and investment management
We are best suited for those who want an experienced advisor who understands their complete financial picture—not simply someone to manage a portfolio.
From Retirement Questions to a Working Plan
Retirement planning is not a one-time event. It is an ongoing process of making coordinated decisions about income, investments, taxes, Social Security, healthcare, and the life you want to live.
01
Understand Where You Stand
We begin by looking at your full financial picture — savings, investments, income sources, spending needs, debt, insurance, taxes, and the goals that matter most to you.
02
Determine What Retirement Looks Like
We evaluate when retirement may be realistic, how much income you may need, and how Social Security, pensions, investments, and other resources can work together.
03
Build the Strategy
We develop a coordinated retirement strategy that addresses income, investments, tax-aware withdrawals, Roth conversion opportunities, healthcare costs, estate considerations, and other important decisions.
04
Put the Plan Into Action
We help implement the agreed-upon strategy, coordinate account and beneficiary changes, and align your investment approach with the role your portfolio needs to play in retirement.
05
Keep Planning
Retirement evolves. We continue to review your income needs, investments, taxes, healthcare, family circumstances, and other changes so the plan can evolve with you.
Living in Retirement
Income Distribution
We coordinate withdrawals across taxable, tax-deferred, and tax-free accounts with careful attention to taxes, liquidity, and the long-term role of your portfolio.
Lifestyle Maintenance
We provide ongoing guidance as your spending needs, healthcare considerations, family circumstances, and personal priorities evolve.
Estate Coordination
We review beneficiary designations and coordinate with your estate-planning professionals so your investment accounts remain aligned with your broader legacy intentions.
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A More Personal Advisory Experience
William Arthur Wealth is intentionally structured as a boutique practice. You work directly with William Howard, CFP®—not a rotating team or centralized service department.
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By serving a select group of clients, we can provide the continuity, responsiveness, and personal attention that meaningful retirement planning deserves.
