Your Retirement Planning Specialist
We offer retirement planning, tax planning, and in-house investment management to pre-retirees and retirees for one flat fee
The IronFjord Difference
We specialize in the financial decisions that matter most before and during retirement: retirement income planning, tax planning, portfolio withdrawals, Roth conversions, Social Security, Medicare IRMAA, investment management, and more.
IronFjord was founded by James Mayo, a Chartered Financial Analyst (CFA®), CERTIFIED FINANCIAL PLANNER® (CFP®) professional, and IRS Enrolled Agent (EA), bringing together retirement planning, tax planning, and in-house portfolio management through a single flat-fee fiduciary relationship.
We're Committed to a Higher Standard for Financial Advice
In Our Opinion…
Selling Products and Giving Objective Advice Are Not the Same
Many financial professionals make their living selling products. We don't think that's compatible with advice that's truly in your best interest. As a registered investment adviser (RIA), we are fiduciaries to every client, and we never work on commissions.
A Good Advisor Should Lower Your Costs, Not Add to Them
Even without commissions, many advisors charge a percentage of your portfolio. Over time, that can cost far more than our flat fee, and it still carries its own conflicts of interest. Many advisors also use external asset managers or products that add to client costs.
Your Planning Come Before Your Portfolio
Many investment managers start and end with the portfolio. We start with your priorities, your income needs, and your tax situation, and build the portfolio around that. A plan only works if it's built around your life, not the other way around.
Your Finances Should Be as Simple as They Can Be, Not as Complicated as Someone Can Make Them
We don't believe in one-size-fits-all portfolios or unnecessary complexity dressed up as sophistication. Our approach is personalized, low-cost, tax-efficient, and built to be understood, not just trusted.
If you’re considering retirement or already retired, our services are built for you.
Our Retirement Planning Services Help You:
• Understand how much you can comfortably spend
• Have confidence in your retirement decisions
• Create a reliable retirement paycheck from your portfolio
• Reduce your tax liability to increase after-tax wealth
• Maximize Social Security benefits and navigate important Medicare decisions
• Utilize low-cost, tax-efficient investment strategies managed in-house
• Help coordinate insurance, estate and legacy planning decisions
Our goal is to be one of your key resources leading up to and throughout retirement, because many retirement decisions have financial, investment, and tax implications.
$11,800 Per Year
No percentage of assets. No commissions. No product sales. Ever.
Ready to feel confident about your retirement?
Schedule a discussion so we can determine whether your circumstances are a good fit for the services we offer, and you can decide whether we’re the right firm for your needs.
We’ll talk through your situation, discuss your priorities, explain how we work, and answer any questions you have.