Looking for tax-efficient retirement planning?
I help pre-retirees and retirees with financial planning, tax planning, and investment management, for a flat annual fee
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 advice that is comprehensive, cost-effective, and built entirely around your best interests.
Planning, Investments and Taxes
IronFjord works with pre-retirees, early-retirement seekers, and retirees 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 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.
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
Working together follows a clear and practical process:
Book Your Intro Call: A relaxed conversation about where you are, where you want to be, and checking to see if we’re the right fit. This is a complimentary call, please bring as many questions as you’d like.
Detailed Review: Upon agreeing to the proposal. I conduct a thorough review of your complete financial life, including items such as investments, taxes, retirement accounts, workplace benefits, estate documents, and more.
Personalized Strategy: I create a coordinated fiduciary financial plan, clearly mapping out your path forward. Life is short, we want to balance life today with life tomorrow.
Implementation and Ongoing Guidance: We work together to execute on the plan, monitor ongoing progress, and make adjustments over time.
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