Tax-Efficient Financial Planning and Investment Management for High-Net-Worth Households
Integrated retirement planning, tax planning, and investment management, delivered for a flat annual fee.
The IronFjord Difference
IronFjord Wealth Management was built intentionally as a fiduciary firm operating under a flat annual fee. This structure is designed to support clear, consistent advice and a long-term planning relationship.
Founded by James Mayo, IronFjord reflects the belief that effective retirement planning requires more than managing investments in isolation. As a Chartered Financial Analyst (CFA) and IRS Enrolled Agent (EA), James brings investment management, retirement planning, and tax considerations together into a single, coordinated approach.
This integrated perspective allows decisions to be made with full context. Investments are managed in alignment with broader financial priorities, tax considerations are incorporated throughout the planning process, and recommendations are developed thoughtfully rather than reactively. The result is a clear, cohesive strategy designed to support confident decision-making over time.
Planning, Investments, and Taxes
IronFjord works with high-net-worth individuals, including those approaching or living in retirement, who want clear guidance and a coordinated approach to long-term financial decision-making. As a fiduciary firm, our role is to help you make confident decisions with a plan that remains steady and adaptable over time.
Financial and long-term planning
Effective planning begins with understanding your current situation, and what you would like your future to look like. We work through priorities, trade-offs, and future considerations so financial decisions are made with clarity and intention as circumstances evolve.
Investment management
Investments are managed to support the broader plan. Portfolios are designed and managed in-house with an emphasis on diversification, low-cost index funds, and alignment with your overall financial priorities.
Tax planning and preparation
Many financial decisions carry long-term tax implications. Tax planning is incorporated throughout the process. Income tax preparation can also be coordinated through IronFjord Tax Professionals¹.
At IronFjord, planning, investments, and taxes work together as one coordinated strategy, allowing decisions to be made with full context rather than in isolation.
Radical Transparency
In much of the advisory industry, pricing and advice are much harder to evaluate than they should be. Layers of fees, complex structures, and opaque arrangements can make it difficult to clearly understand both the cost of advice and how decisions are made.
IronFjord was built with a higher standard in mind. Pricing is clear. The work is comprehensive and thoughtfully integrated.
Transparency is a defining part of the relationship and central to how the firm operates.
How It Works: An Overview
A clear and supportive process designed to help you feel organized, confident, and well guided at every step.
Initial Consultation
This is where we connect so we can understand your situation and your current priorities. It’s an opportunity for you to ask questions and for us to share more about the firm and how we work. From there, we typically move into the onboarding process.
Onboarding and Information Gathering
Through three focused meetings, we formalize our engagement and gather the essential qualitative and quantitative information. You’ll also upload relevant documents, allowing us to build a comprehensive foundation that supports thoughtful, well-informed planning.
Analysis and Plan Creation
Your information is carefully analyzed to determine the most appropriate strategies and recommendations. We review the plan together, walk through the reasoning, and ensure it aligns with what matters most to you. Once aligned, we move forward with clarity and confidence.
Implementation and Ongoing Planning
We both take action, and the firm guides you through each step. Your plan is actively overseen throughout the year, with proactive outreach if something needs attention. We typically meet at key points during the year to review progress, look at the plan together, and address tax planning opportunities. If anything arises between meetings, we connect promptly to discuss and strategize as needed.
Ready to feel confident about your financial life?
Schedule an appointment for a thoughtful, straightforward conversation about your situation and how we work. You’re welcome to visit our Green Mountain office, meet virtually, or connect by phone.
If you don’t see a suitable time below, feel free to reach out at info@ironfjord.com