Looking for tax-efficient retirement planning?

I provide pre-retirees, retirees, and high net worth individuals with financial planning, tax planning, and investment management for a flat annual fee

Schedule a call
NAPFA Member Badge
Logo for flat fee advisors with black text and a blue highlight under the word 'fee'
Text on a black background with the message, 'Enrolled Agent'
XYPN Member Badge
Logo of the National Association of Tax Professionals with gray and green design elements.
CFA
Close-up of a sign that reads, 'FEE > ONLY' with the words 'NETWORK MEMBER' underneath.

The IronFjord Difference

I’m James Mayo, founder of IronFjord Wealth Management. You can read more about my background and story here. I created IronFjord to be an independent investment and financial planning firm that operates only as a fiduciary, for a flat annual fee. Very few financial advisors in the United States operate under this transparent model.

When you choose a financial advisor, you’re making one of the most important financial decisions of your life. As a Chartered Financial Analyst (CFA) and IRS Enrolled Agent (EA), I connect investments, retirement planning, and taxes in one coordinated strategy. The result is a cohesive plan that is tax-minimizing, cost-effective, and built entirely around your best interests.

Planning, Investments and Taxes

IronFjord works with pre-retirees, retirees, and high net worth individuals who want clear guidance and a coordinated approach to the next stage of life. As a full-time fiduciary, my role is to help you make confident decisions with a plan that supports the retirement you envision.

Financial and retirement planning: Retirement planning starts with understanding the life you want to live. I help you navigate timelines, income and withdrawal strategies, estate planning needs, insurance and risk management, and ongoing cash flow so your plan stays steady and adaptable.

Investment management: Your investments are managed to support your plan. As a Chartered Financial Analyst (CFA), I design and oversee globally diversified, low-cost portfolios in-house and manage them through a tax-aware lens to support efficient withdrawals and long-term sustainability.

Tax planning and preparation: Taxes influence nearly every retirement decision. As an IRS Enrolled Agent (EA), I incorporate tax considerations into income planning, withdrawals, savings, and investment choices to help you keep more of what you’ve earned. Individual tax preparation is available through IronFjord Tax Professionals¹, a separate firm under common ownership.

At IronFjord, your plan, your investments, and your taxes work together as one coordinated strategy to support your ideal retirement.

Learn more on our services & fees page

Radical Transparency in a World That Usually Hides the Price

Most firms make it hard to know what you’re really paying, with fees buried in fine print, bundled in products, or layered across platforms.

At IronFjord, we believe in radical transparency. You always know what you pay, what you get, and why it’s fair. No commissions, no hidden incentives, no hidden costs. Learn more →

How It Works

A clear and supportive process that helps you feel organized, confident, and well guided at every step.

  1. Introductory Call
    A relaxed, complimentary conversation where we talk about your current situation, your hopes for the future, and whether working together feels like the right fit. You are welcome to bring as many questions as you like.

  2. Engagement and Onboarding
    If we decide to move forward, we formalize the engagement and begin gathering the personal and financial information needed to understand your full picture. This includes both quantitative details and the qualitative context.

  3. Identify and Prioritize Your Goals
    We work together to identify your potential goals, clarify what is most important, and establish which priorities will guide the planning work.

  4. Analyze Your Current Situation and Potential Paths Forward
    I review your complete financial landscape including investments, taxes, retirement readiness, cash flow, insurance, estate considerations, and more. From there, I evaluate where you stand today and explore potential paths forward.

  5. Develop Your Personalized Strategy
    I create a coordinated financial plan and investment approach that aligns with your goals and values. The strategy is tailored, practical, and built to help you make consistent progress while still making the most of life today.

  6. Present and Refine the Plan
    We walk through the recommendations together. You will understand the reasoning behind each decision and we will make adjustments as needed to ensure the plan feels clear, realistic, and actionable.

  7. Implement the Recommendations
    We begin putting the strategy into place and take the necessary steps together. I stay actively involved throughout the process, helping ensure everything moves forward smoothly and nothing is left uncertain or incomplete.

  8. Ongoing Monitoring and Guidance
    Financial planning is a verb rather than a noun. Plans are not static as there are constant internal and external changes in our lives, and your plan evolves and adapts over time. We continue working together to track progress, revisit goals, and make thoughtful adjustments so your strategy stays aligned as life unfolds and as you move through life’s various phases.

Ready to feel confident about your financial life?

Schedule an appointment. No cost. No obligation. No hard sell. Just a straightforward conversation about how we can help. You’re welcome to come into our Green Mountain office, meet virtually, or jump on a call.

Can’t find a suitable time below? No worries, just send an email to james@ironfjord.com