Our   Services

Financial Planning | Investment Management
Estate Planning | Tax Planning

Independent RIA

Financial Planning

Financial life planning encourages smart financial decision making by developing an actionable roadmap and compass. We take an individualized and comprehensive approach to planning focused on your distinct needs rather than one-size fits all and “rules-of-thumb”.

Live an Authentic Life

Being authentic means coming from a real place within. It is when our actions and words are congruent with our beliefs and values. Similarly, a financial plan should align your money and values revealing an actionable map or guide to visualizing and realizing your goals to live an authentic life.

What You Want to Be

Planning is more than saving for retirement. It creates a foundation for why you’re investing which may include near term goals as well such as buying a home, starting a business, or saving because you enjoy travel. Discussing your goals validates them and helps to better understand the person you want to be both today and tomorrow.

Spending Time Wisely

Make use of time, let not advantage slip- William Shakespeare. Investing, planning, re-balancing, and asset allocation are examples of things our clients don't spend valuable time doing. Our advisory service takes care of those day-to-day activities to give you more time doing what you enjoy and being with loved ones. It's that simple.
Let's begin.

Investment Management

Core Investment Principles

With nearly three decades of experience navigating market cycles and economic changes, we’ve come to learn that a consistent and disciplined approach to managing money is the cornerstone of success. At Ironwood Wealth Advisors, we manage your assets as if they were our own. We work to achieve our clients’ goals through appropriate asset allocation with a core focus on risk management. Our portfolios help clients stick with their plan and achieve their long-term goals.

We put investors first.
Firms that put investors first are successful in the long term because their investors are successful.
We are independent minded.
To deliver results, it’s necessary to invest with conviction, even if that means standing apart from the crowd.
We invest for the long-term.
Maintaining a patient, disciplined and long-term investment perspective helps investors ride out the market’s inevitable fluctuations – allowing us to take advantage of investment opportunities as they arise.
We are valuation-driven investors.
Core investment decisions should be driven by exploring the fair value of the underlying asset – not chasing investment fads that often result in inflated prices. Value driven investment opportunities can lead to greater potential for returns.
We focus on the fundamentals.
Comprehensive fundamental research drives our investment decisions. We focus on the long-term fundamentals of each portfolio holding.
We focus on costs.
Utilizing low-cost institutional mutual funds, ETFs, individual stocks, and core index funds when building portfolios. Reducing costs helps investors build wealth by keeping more of what they earn.
We construct holistic and model-based portfolios.
Diversify your portfolio globally by asset class, within asset classes and beyond asset class. This includes core and strategic positioning. Truly diversified portfolios help investors better manage risk, while enhancing long-term investment outcomes.
Let's begin.

Estate Planning

Part of living confidently in the present is knowing that your wishes will be carried out in the future. We help to create estate plans that will protect and efficiently transfer your wealth while conveying your wishes for your loved ones and your own care. Transferring assets to heirs takes thoughtful planning and legal professional assistance; we can guide you in the right direction to make sure your estate plan is sound. We work with your legal professionals to develop, implement, and monitor your estate plan. We will help you structure your estate assets to eliminate probate, minimize tax liabilities, and eliminate unnecessary administrative costs – all while maximizing value for future generations. If you are initiating the estate planning process or seeking a second opinion, we can recommend trusted estate planning attorneys and paralegals. Periodically, we will review your plan with you to ensure things are current and that your long-term objectives are still being met.
Let's begin.

Tax Planning

Tax efficiency in taxable portfolios. When you’re building portfolios and evaluating performance, it’s easy to think in terms of pre-tax returns. But it’s the after-tax returns that matter for taxable investors – maximizing your bottom line. We work to limit taxes in all portfolio decisions by actively pursuing tax efficient investment vehicles, while implementing ongoing and active tax loss harvesting strategies.

Contributory and Roth IRAs. While you might already be invested in an employer-sponsored plan, an Individual Retirement Account (IRA) allows you to save for your retirement on the side, and also potentially save on taxes. With a Roth IRA, you contribute after-tax dollars, your money grows tax-free, and you can generally make tax- and penalty-free withdrawals after age 59½. With a Traditional IRA, you contribute pre- or after-tax dollars, your money grows tax-deferred, and withdrawals are taxed as current income after age 59½.

SEP IRAs and Solo 401(k). Both accounts are retirement savings vehicles you can use if you're self-employed – allowing for immediate tax deductions and tax deferred growth. The SEP IRA is generally simpler to establish, but the solo 401(k) may offer more flexibility and much larger contributions. Donor-Advised Funds for Appreciated Securities. A tax-smart approach to maximize your philanthropic impact. Donor-advised funds provide a simple way for investors to get immediate tax deductions and avoid capital gains tax liability on appreciated assets. We'll work with you to help set up donor-advised fund in your family name and then you decide when to make gifts to your charities.

Gifting Strategies for Tax-Free Giving. Family gifting strategies to remove assets from taxable estates. These strategies help reduce future estate taxes and benefit your family members immediately. Estate tax liabilities vary depending on where the estate is located. The federal IRS threshold for estate values is $12.92 million for individuals and 25.84m for certain family trusts.

Investing in College Saving Plans. With tuition inflation averaging >5% a year, you cannot afford to subject your education savings to unnecessary taxes. The right college savings plan can help ensure that you save effectively and efficiently, and potentially gives you a state tax deduction.

Let's begin.
Let's begin.

Complimentary "Get Acquainted" Meeting

Contact Us
Independent RIA
Ironwood Wealth Advisors

Disclaimers | ADV

Securities offered through Charles Schwab & Co., Inc. Member FINRA/SIPC.
These materials have been independently produced by Ironwood Wealth Advisors, LLC. Ironwood Wealth Advisors, LLC is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them. Ironwood Wealth Advisors, LLC provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.
To Check Firm or Individual Backgrounds please go to http://adviserinfo.sec.gov.
Copyright © Ironwood Weath Advisors | Powered by AdvisorFlex