Retirement income
A paycheck from your savings
We turn your savings into a regular retirement paycheck, drawing from the right accounts at the right time.
- Deposited to your bank account
- Bond ladders where appropriate
- Social Security timing
Tax-efficient retirement specialists
Retirement planning and investment management for one flat fee
One fiduciary advisor coordinating your retirement planning, tax planning, and investment management, for those who are retired or approaching retirement.
As featured in
What we do
Retirement income, tax planning, and one flat fee
Retirement is when decisions about income, taxes, Social Security, and investments start to overlap. That's the area we focus on, with one advisor coordinating it all.
Tax planning
Tax-aware in every decision
James is an IRS Enrolled Agent, a federally licensed tax practitioner, so taxes are built into your plan rather than handled separately.
- Roth conversions
- Tax-smart withdrawals
- RMDs and Medicare IRMAA
Transparent fee
One flat fee
Your fee reflects the work involved, not a percentage of your assets, and you'll know it before we begin.
- Fee-only fiduciary
- No commissions or product sales
- Pricing published openly
Who we work with
For those nearing retirement or already there
Our clients typically have $1 million or more in investable assets. Most recognize themselves in at least one of these.
Retiring soon, or recently retired
You're counting down to your last day of work, or adjusting to life after it.
Savings in several places
401(k)s, IRAs, and brokerage accounts that need to work together as one income plan.
Taxes on your mind
Roth conversions, required distributions, and withdrawals you want planned carefully.
Ready to hand it off
You'd rather have someone you trust manage the investments and the details.
Complimentary introductory call
Ready to feel confident about your retirement?
Let’s talk through your situation, your priorities, and how we work. No cost, no obligation, and no high-pressure follow-up.
- Your situation and retirement plans
- How we work and what’s included
- Anything that’s top of mind for you
Prefer email? info@ironfjord.com
Pick a time that works for you
The scheduler couldn't load.
Open the scheduling page