Expert Retirement Planning for a Flat Annual Fee
Retirement planning, tax planning, and in-house investment management for $1MM+ pre-retirees and retirees.
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, and investment management.
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 Different Jobs
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.
Your Goals 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-aware, and built to be understood, not just trusted.
If you’re considering retirement or already retired, our services are built for you.
Credentials That Reflect the Work We Do
Approaching retirement and living in retirement often requires decisions that cut across investments, taxes, Social Security, Medicare, income planning, estate planning, and more.
James Mayo holds the CFA®, CFP®, and EA designations, bringing together advanced training in investment management, comprehensive financial planning, and taxation. This combination supports the type of coordinated advice many retirees and pre-retirees need.
CERTIFIED FINANCIAL PLANNER® (CFP®) Professional
The CFP® designation reflects training across the major areas of financial planning, including retirement planning, income planning, insurance, estate considerations, and major life decisions.
Chartered Financial Analyst® (CFA®) Charterholder
The CFA® designation reflects advanced training in investment analysis, portfolio management, asset allocation, risk, and long-term investment decision-making.
Enrolled Agent (EA)
An Enrolled Agent is an IRS-licensed tax professional authorized to represent taxpayers before the IRS. This credential reflects advanced knowledge of individual taxation and IRS procedures.
Together, these credentials help support advice that connects the major areas of retirement planning rather than treating them separately.
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