🔎 Firm Focus

Get to Know IronFjord Wealth Management

Flat-fee retirement experts: retirement planning, investments & tax planning.

Lakewood, CO │ Flat-Fee Retirement & Tax Planning for Clients Nationwide

See if we're a fit

Ideal Client Profile

Who we serve

We provide retirement planning, investment management, and tax planning for one flat annual fee.

Pre-Retirees

Looking to retire within the next 5-10 years

Retirees

Already retired and looking for a tax-efficient retirement income plan

Get to know us

IronFjord Wealth Management

IronFjord Wealth Management specializes in helping people approaching or living in retirement, typically age 55+ with $1 million or more in investable assets. We provide comprehensive retirement planning, investment management, and tax planning, all for one flat annual fee.

If you have questions such as:

• How much can I comfortably spend in retirement without worrying about running out of money?
• How can I turn my savings and investments into a consistent, predictable retirement paycheck?
• How can I minimize taxes throughout retirement, including making smart decisions about Roth conversions and which accounts to draw from?
• When should I claim Social Security, and how should I evaluate my pension and Medicare options?
• How should my investments change as I transition from saving for retirement to living off my savings?
• How can I make sure everything is coordinated, including my investments, taxes, insurance, and estate planning?

These are exactly the kinds of questions we help clients answer.

IronFjord takes a comprehensive approach to retirement planning, combining retirement income planning, proactive tax planning, and in-house investment management. We don't just create a financial plan and leave you to figure out the rest. We manage the investments, coordinate the moving parts, and help you navigate financial decisions throughout retirement.

Our founder, James Mayo, is a CFA charterholder, CFP® professional, Retirement Income Certified Professional® (RICP®), and IRS Enrolled Agent (EA). This combination of credentials brings specialized expertise in investments, retirement income, comprehensive planning, and taxation under one roof.

We work with clients nationwide, helping them enjoy retirement with greater clarity, confidence, and peace of mind.

303-800-2840

Website

What We Do

Services

Comprehensive retirement planning — all included for one flat fee:

  1. Retirement planning

    We build personalized retirement income plans that provide a consistent, predictable paycheck while helping you navigate important decisions around Social Security, pensions, Medicare, and retirement spending.

  2. Investment management

    We manage diversified portfolios using a low-cost, broad-market, tax-efficient index fund approach designed around your retirement goals.

  3. Tax planning

    Tax planning is woven throughout everything we do, from investment decisions and retirement withdrawals to Roth conversions, with a focus on minimizing taxes over your lifetime.

  4. Financial planning

    We look beyond retirement income and investments to review your estate plan, insurance coverage, and other financial considerations, making sure everything is coordinated and nothing important is overlooked.

See if we're a fit

Conversation

In conversation with James Mayo, CFA, CFP®, EA, RICP®

Principal & Retirement Wealth Advisor

WT

Wealthtender

How is IronFjord different from a traditional financial advisor?

James Mayo

I built IronFjord specifically for people approaching or living in retirement. Rather than focusing primarily on investments, I bring together retirement income planning, proactive tax planning, in-house investment management, and comprehensive financial planning. I also charge one transparent flat fee rather than a percentage of your investments. That means my compensation doesn't increase simply because your portfolio grows. My goal is to handle the moving parts of retirement in one place, so you have a clear plan, coordinated advice, and someone helping you navigate the decisions along the way.

JM
WT

Wealthtender

Why do you charge a flat fee instead of a percentage of assets?

James Mayo

I believe the work involved in managing your financial life shouldn't necessarily cost more simply because you've accumulated more investments. Many traditional advisors charge around 1% of assets annually. On a $2 million portfolio, that's $20,000 per year, and the fee increases as your portfolio grows. At IronFjord, I charge a predictable flat fee that covers ongoing financial planning, retirement income planning, proactive tax planning, and investment management. There are no separate investment management charges, and you know what you're paying regardless of what happens in the markets.

JM
WT

Wealthtender

How do you help clients turn their savings into a reliable retirement paycheck?

James Mayo

One of the biggest changes in retirement is going from saving money every month to drawing from the savings you've spent decades building. I help clients make that transition by creating a retirement income plan designed to provide a consistent, predictable paycheck, much like the salary they're accustomed to receiving. That includes determining how much you can comfortably spend, coordinating Social Security and pensions, planning for larger expenses, and deciding which investment accounts to draw from each year. The goal isn't simply to make your money last. It's to give you the confidence to actually enjoy the wealth you've worked so hard to accumulate.

JM
WT

Wealthtender

How is your approach to tax planning different?

James Mayo

Tax planning isn't something I look at once a year. It's woven into virtually every financial decision I make. I prepare tax projections, evaluate Roth conversions, coordinate withdrawals across different account types, manage investments with tax efficiency in mind, and consider how today's decisions may affect your taxes years into the future. I'm also an IRS Enrolled Agent (EA), so tax expertise is part of the service rather than something I simply outsource. Retirement creates unique opportunities to manage lifetime taxes, particularly in the years between stopping work and beginning required minimum distributions. I actively look for those opportunities throughout our ongoing relationship.

JM
WT

Wealthtender

Do you manage investments directly, or outsource them?

James Mayo

I manage my clients' investments directly rather than outsourcing portfolio management to a third-party firm or relying on expensive, prepackaged investment solutions. My investment philosophy is deliberately straightforward: broadly diversified, low-cost index funds, with careful attention to taxes, risk, and how your investments support your retirement income plan. I'm a CFA charterholder, and investment management is included in my flat fee. I believe investments should serve your financial plan, not the other way around. That means your portfolio, retirement withdrawals, and tax strategy are all managed together rather than treated as separate pieces.

JM
WT

Wealthtender

What qualifications do you bring to retirement planning?

James Mayo

Retirement planning involves much more than choosing investments. It requires a thorough understanding of retirement income, taxation, financial planning, and how all these decisions interact. I hold four professional credentials covering these disciplines: • CFA charterholder: Investment analysis and portfolio management. • CFP® professional: Comprehensive financial planning. • Retirement Income Certified Professional® (RICP®): Retirement income strategies and the financial decisions surrounding retirement. • IRS Enrolled Agent (EA): Federal taxation and tax planning. This combination allows me to bring several areas of specialized expertise together under one roof, rather than relying on separate professionals for every aspect of your retirement plan.

JM
Get to know James Mayo

Answers

Frequently Asked Questions

We specialize in helping people approaching or living in retirement, typically age 55+ with $1 million or more in investable assets. Our clients have worked hard to build their wealth and now want help turning their savings into reliable retirement income, navigating important financial decisions, and enjoying retirement without having to manage every detail themselves.

Yes. IronFjord is an independent, fee-only fiduciary firm, which means we're legally obligated to act in our clients' best interests. We don't earn commissions from selling investments or insurance products, and we don't receive compensation for recommending particular financial products. Our advice is focused on what's appropriate for your circumstances, not on selling you something.

We charge one transparent annual flat fee rather than a percentage of your investments. That includes retirement income planning, proactive tax planning, comprehensive financial planning, and in-house investment management. Our fees don't automatically increase as your portfolio grows, and we don't charge additional investment management fees. It's straightforward, predictable pricing with no commissions or hidden layers of advisory fees.

Absolutely. This is one of our specialties. We build personalized retirement income plans designed to turn your savings into a consistent, predictable paycheck, much like the salary you received while working. We help determine how much you can comfortably spend, which accounts to draw from, and how to adjust your income as circumstances change. The goal is to help you enjoy retirement with confidence rather than constantly worrying about your investments.

Tax planning is woven into virtually everything we do. We prepare tax projections, evaluate Roth conversions, coordinate retirement withdrawals, and manage investments with tax efficiency in mind. We also consider how decisions today may affect future taxes, Medicare premiums, and required minimum distributions. While nobody can predict future tax laws or guarantee tax savings, we use the information available to make thoughtful, tax-aware decisions. Our founder is an IRS Enrolled Agent (EA), bringing formal tax expertise directly into the planning process.

Yes. These are some of the most important decisions you'll make around retirement. We help evaluate Social Security claiming strategies, compare pension options, navigate Medicare decisions, and coordinate everything with your investments, income needs, and tax situation. Rather than looking at each decision separately, we consider how they fit together within your broader retirement plan.

Yes. We manage investments in-house using low-cost, broadly diversified index funds, with a strong focus on tax efficiency. But our work goes well beyond investments. We also review estate plans, beneficiary designations, insurance coverage, charitable giving, and other financial considerations to make sure nothing important gets overlooked. Everything is coordinated under one roof and included in our flat fee.

IronFjord combines retirement specialization, comprehensive expertise, fiduciary advice, and transparent flat-fee pricing. Our founder, James Mayo, is a CFA charterholder, CFP® professional, Retirement Income Certified Professional® (RICP®), and IRS Enrolled Agent (EA). This combination brings investment management, retirement income planning, tax expertise, and comprehensive financial planning together under one roof. We also intentionally limit the number of households we serve, so clients receive personalized attention and work directly with James rather than being passed between departments or advisors.

Meet the Founder

James Mayo, CFA, CFP®, EA, RICP®

I built IronFjord specifically for people approaching or living in retirement. As a CFA charterholder, CFP® professional, RICP®, and IRS Enrolled Agent, I bring retirement income planning, proactive tax planning, and in-house investment management together for one transparent flat fee, and I work directly with each client.

Next Steps

What's next?

We're retirement planning experts. Reach out today.

See if we're a fit