facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast blog external search

Celebrating OVER 30 Years of EXPERIENCE

"Siri, am I on track to reach my financial goals?"

(She can't tell you - but we can)


Does my portfolio fit me?

Manifesto

We don't just invest. 

We're invested.

Our Mission: To enhance the lives of our clients and communities through comprehensive financial, estate and tax planning guidance with an obligation to service beyond expectation.

Learn More

See what we're all about

Our Team. Our Clients. Our Services.

With a certified financial planner professional (CFP), certified public accountant (CPA), attorney, paralegal, certified divorce financial analyst (CDFA) and registered sales assistants all in-house, Ironhorse is able to deliver a credentialed and integrated approach to help meet all of your wealth management needs.

We honor our fiduciary duty above all, and practice full disclosure, due-diligence, and client communication. We work in a collaborative atmosphere with our clients, with whom we reach mutual agreement on every phase of the financial planning process.


Comprehensive Advice 

Wealth management begins with understanding your goals as it encompasses the combination of financial/investment advice, accounting/tax services and legal/estate planning. Our credentials allow us to implement each of these areas into your financial plan.

Independent Thinking

We are an independent financial planning firm which allows us to design and implement financial plans based on your goals, values and objectives - not based on firm incentives or demands. We do not have quotas we have to meet or proprietary products to sell.

Clear Vision & Direction

"Where do I start?" "Am I on the right path?" "Do I have enough to retire?" There is power in understanding your finances and our goal is to help educate, inform and implement a financial plan that gives you a clear vision and direction for your future.

Helping You and Your Family Achieve Your Financial Goals.

We have a unique set of skills and experience that allows us to truly offer comprehensive financial advice, even for the clients with complex financial concerns. Our competence is reflected in the designations we have earned and maintained. These are the highest standards in the industry for comprehensive, client-focused, financial, estate, divorce and tax planning.

Steven D. Kaestner, JD/CPA/CFP® Photo Steven D. Kaestner, JD/CPA/CFP® Hover Photo

Steven D. Kaestner, JD/CPA/CFP®

Owner, Financial Consultant
Read Bio

As Owner and Founder of Ironhorse, Steve is a Certified Financial Planner Professional, CPA, Attorney and has over 30 years experience in retirement planning, estate planning, tax management, and investments.

Steve acted as in-house counsel for an international real estate syndication corporation and also developed extensive tax knowledge while working for an international public accounting firm.

In 1989 Steve began a private practice law firm, Steven D. Kaestner, P.C. (SDK PC), which was founded and is still serving the legal needs of its clients today. In 1995, Steve co-founded Successful Financial Seminars, Inc. (SFS). In 2007, SFS became Cunningham Kaestner Investments, LLC (CKI). All of this lead to the formation of Ironhorse Wealth Management (Investments & Estate Planning) in 2011, a full service financial firm offering comprehensive plans involving income tax, estate tax and investment solutions.

Steve earned his Juris Doctorate from the University of Oklahoma College of Law in 1982 and his Bachelor of Science in Accounting from the University of South Dakota in 1978. He also completed the Financial Planning Course at Oklahoma City University in preparation for his CFP Certificate exam.

Currently serving as a Director for the Oklahoma Venture Forum (and was the previous Chairman), Steve is also an active member of the Oklahoma Bar Association, the American Institute of Certified Public Accountants, the Oklahoma Society of CPAs, the Financial Services Institute and the Oklahoma Planned Giving Council.

CERTIFICATIONS:

Admitted to the BAR of Oklahoma
Certified Financial Planner Professional
Certified Public Accountant
Investment Advisor of Summit Brokerage
Series 7 Securities License
Life and Health Insurance License
Series 24 Securities License

Jamie Taylor, CDFA® Photo Jamie Taylor, CDFA® Hover Photo

Jamie Taylor, CDFA®

Financial Advisor, Divorce Financial Analyst
Read Bio

Jamie Taylor began working for Ironhorse Wealth Management as Client Relations Coordinator in 2012 after graduating from The University of Oklahoma with a Bachelor’s degree in Communication. Prior to working at Ironhorse, Jamie worked for the Oklahoma City Thunder in Community Relations. After passing the Series 7 exam in February of 2015, Jamie became a securities representative and then an Investment Advisor after passing her Series 66 exam in April of 2016. Jamie is responsible for collecting and analyzing information regarding client risk tolerance, long and short-term goals, income, assets, investments and debts. She assists in client meeting to discuss financial goals and investment timelines. 

In addition to her financial advisory role, Jamie became a Certified Divorce Financial Analyst (CDFA®) in 2017 after completing a specialized educational program. Jamie is trained to provide financial information and assistance to people going through a divorce. She evaluates the tax implications of dividing property and the financial impact of various settlement options for dividing marital property (including pensions) and child and spousal support payments. She will examine and analyze the financial issues of a divorce, providing her clients and their lawyers with data to help strengthen their case. She will help her clients avoid the common financial pitfalls of divorce by offering valuable insight into the pros and cons of different settlement proposals.

You can contact Jamie if you need help or have questions on any of the previous actions or would like to meet with her to discuss your financial goals!


CERTIFICATIONS:

Series 7 Securities License

Series 66 (combination of the 65 and 63) Securities License

Certified Divorce Financial Analyst (CDFA®)

Lauren Zirtzman Photo Lauren Zirtzman Hover Photo

Lauren Zirtzman

Client Relations Coordinator, Life Insurance Producer
Read Bio

Lauren Zirtzman has held the position of Client Relations Coordinator at Ironhorse Wealth Management since April of 2015. Prior to working at Ironhorse, Lauren attended The University of Oklahoma. Lauren has her associate’s degree in Diversified Studies with a concentrated focus on Human Relations. Lauren is responsible for prepping client paperwork, tracking investments and rollovers, assisting with withdrawals and required minimum distributions, generating client meeting documents, organizing client events and entering and maintaining client data in comprehensive financial planning software.

In addition to her roll on the investment side, Lauren also passed her Life Insurance exam in August of 2016 and is a licensed insurance producer.

CERTIFICATIONS:

  • Life Insurance License
Jordan Horn, J.D. Photo Jordan Horn, J.D. Hover Photo

Jordan Horn, J.D.

Paralegal
Read Bio

Jordan Horn joined Ironhorse Investments and Estate Planning in May of 2017.  Jordan works closely with our clients to create comprehensive estate plans that are consistent with their unique goals, values, and priorities.  She prepares the necessary documents to accomplish these objectives, including wills, revocable and irrevocable living trusts, special needs trusts, powers of attorney, advanced directives for healthcare, deeds, limited liability company agreements, family limited partnership agreements, S-corporations, qualified plan beneficiary designations arrangements, guardianship and conservatorships, as well as probate and estate administration.

Whether planning or administering an estate, Jordan is committed to providing exceptional legal service that is both personalized and responsive, so that together, we can fashion an estate plan that will ensure peace of mind for you and your loved ones.

Jordan earned her Juris Doctorate from the University of Oklahoma College of Law in of May of 2017, and holds a Bachelor of Arts Degree in English and History from the University of Mississippi.  She currently resides in Norman, Oklahoma, with her husband and their one-year-old daughter, Ellington


Lori Kaestner Photo Lori Kaestner Hover Photo

Lori Kaestner

Service Assistant
Read Bio

Since 1989, Lori has worked as a Service Assistant to Steve and has held the position of Office Manager at Ironhorse Wealth Management since 2011

Prior to working at Ironhorse, Lori worked for accounting firms in Oklahoma City for eight years. Lori is responsible for working on investment paperwork and handles a wide range of tasks regarding new and existing investments. Lori has 24 years of experience working with Steve and is able to answer a variety of questions that you might have.

CERTIFICATIONS:

  • Steve's Wife. They have been married for 28 years and have worked together for 26 years - we think that is worth a certification!

Our Clients

Long-term client relationships are what we strive for. We are as careful about accepting new clients as you should be in selecting an advisor. We find that our ideal client, first and foremost, is someone we enjoy working with. We also want to work with clients who strive to manage their finances successfully to provide for themselves, their families and  if they wish, charities. Perhaps most importantly, our clients appreciate the benefit they receive from the coordination of portfolio management, retirement planning, estate planning and tax planning all at one firm. Clients come to us for the expert advice and the confidence that comes from having a dedicated financial advisor. We have worked with high-paid executives, college students, individuals going through a major life transition and families large and small. There is no typical Ironhorse client – simply those who value high-quality advice, planning, investment management services, and tax help.

Psst. We have no minimum asset requirement. We believe that everyone deserves quality financial advice.

Navigating Your Financial Road Map: Where Are You?


Building a Foundation (and just getting started in life):  

Just married. New job. Baby. Home purchase. When it comes to finances, you just want to know where to start and where to go from here. You want technology efficient platforms but the ability to talk to someone who knows you, your situation and also knows what they are talking about. We heard you and created this service just for you: Ironhorse Next Gen.

Enjoying my Earnings (in my prime working years):  

You made it. As an established professional, you’re reaping the benefits of a flourishing career and may have kids near or at college-age. Perhaps you’ve been through the financial planning process before, or maybe you’ve procrastinated getting started. Regardless, now is the time to ensure your financial plan is working efficiently or help you create one that will.

Living on my accumulation (financial independence):

Accumulating a nest egg through savings, inheritance or other means can greatly improve your financial well-being when coupled with sound financial advice. Right now, you may be concerned about maintaining your lifestyle, preserving what you have and protecting yourself against unknown risks. Navigating financial independence can get tricky in regards to all the moving pieces, but it does not have to be if you have someone helping you.

Life in Transition (financial change up):

Recent job change, retirement, death of a loved one, divorce, inheritance... you are in a financial crossroads trying to figure out what to do next. Your next steps are critical in ensuring future success and stability. You need help understanding and implementing a plan for which direction to go from here and we have the tools to help guide you.

Running the show or Chasing the dream (small & medium size business owners):

Small & medium size business owners take a higher risk approach to their careers. The rewards of owning a business can be wonderful, but the path to success is often stressful and fraught with potential pitfalls (we know, we've been there). As an owner, you want to  maximize potential tax benefits, minimize risk, utilize the best fitting company retirement plan, and align your business with their long term financial objectives. The question is - are you doing that now?

Maybe you are here, maybe you are someplace different.

 How can we help?


We are a family owned and operated business

The relationships that are developed and the service you receive is just as important as the quality of advice 

You likely have several financial planning pieces in place—you pay taxes, invest at least a portion of your savings, have some insurance and maybe you have done some estate planning and retirement planning, but chances are each of these pieces was developed independently, at different times in your life and at several different firms. Is it any surprise then that you’re unsure if you’re on the right track and making all the progress you could be?

To be effective, financial planning needs to be coordinated. Each piece of the financial plan needs to accomplish its own specific tasks as well as support the tasks of every other piece. We call this life-integrated financial planning, and we are experts in this area. We’ll look at your entire financial picture and help you fit the pieces together properly.


Ironhorse Investments

Before we talk about numbers we want to talk about you. What is your current situation? What are your goals? What are you afraid of? What are your expectations and concerns? For portfolio management and financial planning to be done adequately it has to start with an understanding of your goals as it encompasses the combination of financial/investment advice, accounting/tax services and legal/estate planning. We are different because our credentials allow us to offer a broad range of portfolio management and financial planning solutions customized for your specific needs, goals and life stage. (We actually don't believe financial planning can be done adequately without the ability to look at your wealth portfolio with the addition of tax and estate planning components). We apply a clear, well-defined and objective process. Below is a cross-section of wealth management issues that our clients commonly encounter.  

Portfolio Management

  • What is the current risk level of my total investment portfolio and does it align with my personal risk tolerance? (Not sure what your personal risk tolerance is? Find out here.)
  • Does our current portfolio meet our lifestyle needs? How might we re-position our investments to meet our lifestyle objectives?
  • What does my portfolio consists of and what are my other options?
  • Is my portfolio diversified and how can I build one?
  • As we get closer to our retirement years, how should we modify our investment plan to provide more stability and higher income?
  • How much can we draw annually from our investment portfolio to supplement other sources of retirement income?

Financial management:

  • Should we consider long-term care insurance? What are the key factors to consider?
  • My spouse is not knowledgeable about (or perhaps not interested in) financial matters. Who can my spouse turn to for assistance if I am no longer available to handle our affairs?
  • Am I optimizing my retirement benefits at work or how can I?
  • What happens to our investment portfolio if something happens to me or my spouse?
  • Is my portfolio tax efficient?
  • When and how should I apply for Social Security?

Financial Planning: 

Every person and every journey is different so no financial plan should look the same. These are common situations that clients are looking to resolve but are not limited to these areas:

  • How much money do I have to have to retire?
  • How much do I need to save for my kids' college education expenses?
  • Based on my goals, how much should I be contributing to my retirement accounts on an annual basis?
  • How much house can I afford?
  • What is the probability of me achieving my financial goals?
  

Ironhorse Estate Planning/Legal Work

Earning money is only half the battle when it comes to achieving financial stability. You need to make smart choices about what to do with the money you earn - how you invest it and how you protect it. Ironhorse offers comprehensive and personalized estate planning, asset protection, business succession planning, business formation, probate and trust administration, charitable planning and estate litigation.

Estate Planning is more than a Will and is more than just determining who gets your property when you pass away. It is about minimizing the financial and emotional costs for you and your loved ones. Whether you wish to create your estate plan for the first time or update your existing plan, Ironhorse can help you create a comprehensive and personalized estate plan that will provide you with the peace of mind you deserve.

Services:

  • Business Planning
  • Succession Planning
  • Limited Liability Company (LLC), Corporations, Sub-S Corporations, Limited Partnerships or General Partnerships
  • Trusts: Revocable Living Trust, Irrevocable Life Insurance Trust, Special Needs Trust, Personal Residence Trust, Charitable Trust, Irrevocable Trust
  • Dynasty Trust
  • Wills: Pour Over Will, Will with Testamentary Trust
  • Living Will
  • Durable Power of Attorney
  • Durable Power of Attorney for Health Care
  • Guardianship
  • Probate and Estate Administration
  • Charitable Gifting
  • Real Estate Deeds

Do You Really Need an Estate Plan?

Are you married? Do you have children or elderly parents? Part of a blended family? Do you own your home, car or maybe a small business? How about a savings account? If you answered yes to any of these questions, here is an important follow-up for you: Do you have an estate plan in place?  While you may think estate planning is only for the wealthy, who have millions and live on, well...estates...think again! The correct answer to "who needs an estate plan?" is simple: EVERYONE

Yes, everyone needs an estate plan - even you!


Who Do You Love?

Who are the most "important people" in your life? Exactly who (or what) is driving you to plan for the future? The term “important people” can mean a lot of different things to a lot of different people – after all, finding the right estate plan is driven by who you consider your loved ones to be. For instance, many would categorize their immediate and extended family members, such as a spouse, children and grandchildren, or perhaps even parents, siblings or other relatives as those most important to them. Beyond these, however, "important people" could also include charities, special causes, colleges or universities, or churches to which you are committed. For some, "important people" could even include pets. Once you know who these people are and the impact they have made on your life, we can work together to come up with the plan that best suits your particular goals, values, and objectives. This is where the planning process truly begins.

What Do You Have?

By property we mean your assets in general. Make a list of the assets you own or control. At this point, you do not need to identify insurance policy numbers and exact dollar values. Rather think through your assets in terms of their nature (cash, stocks, bonds, real estate, etc.); their value in thousands of dollars; and your ownership interest: Do you own assets in your name only, in joint tenancy with someone else, or through a trust agreement or some other arrangement? Be sure to include often-overlooked assets like life insurance (the death benefit, not the cash value), business interests, and any inheritance you may expect to receive.

What is Your Plan?

After identifying who you love and what exactly you have to leave them, the next step is to consider the plan you would make for those people (including yourself) and those assets in the event of your own incapacity or death. Who would you name to make decisions for you if you could no longer do so yourself? Would the same person handle your finances and your personal and health care decisions? Who would care for your minor children? How would you distribute your assets to your heirs? Would you prefer to spare your heirs the potential cost and hassles of the probate process? Would you like to minimize the impact of estate taxes ... or maximize the impact of a charitable bequest? Is there someone in your family with special needs for whom you would like to provide? Is there someone who perhaps should not receive a great deal of (or any) money without some outside oversight?

When You’re Ready – We’re Here to Help!

These are just a few of the issues to consider when approaching the planning process. When you are ready to schedule a consultation, please call or complete the request a complimentary consultation form and we will give you a call to schedule an appointment with our experienced attorney so that together, we can find the estate plan that is right for you and your loved ones.

More on What Is Estate Planning.


Ironhorse Next Generation

Just married. New job. Baby. Home purchase. When it comes to finances, you just want to know where to start and where to go from here. You want technology efficient platforms but the ability to talk to someone who knows you, your situation and also knows what they are talking about.

Who is the typical client?

Young professionals (ages 25 to 45) seeking unbiased financial planning assistance and advice who are just getting started in the asset accumulation stage.

Who would be a good fit?

Are you challenged with the balancing act of saving for the future, paying down student loans or simply having fun now? Are you wondering if you should rent or buy a home? What about Roth 401(k)s and Roth IRAs, life insurance, or advanced degrees? Have you thought about savings for your child's future education expenses (18 years will fly by - we promise). This is a busy, exciting and important time of life to make wise decisions to secure your financial future and if you are looking for help to navigate these decisions, this plan would be a good fit for you. 

What are some questions you can help me answer?

  • How quickly should I pay off student debt, car loan and credit card debt? What is an acceptable amount of debt?
  • Can you help me with budgeting? I’m overwhelmed and need some guidance to track where my money is going?
  • How much money do I need to fund an emergency fund?
  • How much money should I be saving and investing?
  • Will I be able to afford a down payment for a home? How much do I need to save?
  • What employee benefits should I sign up for? Am I making the right choices?
  • Should I invest in my company 401(k), 403(b), TSP? 
  • What are the differences between a Roth 401(k) and a Traditional 401(k)? 
  • Is a Roth IRA better than a Traditional IRA?
  • What are my insurance needs?
  • How do my spouse and I merge our finances?
  • Are we prepared financially to start a family? What changes do we need to make to allow a stay-at-home spouse?

Subscription Service

This service is tailored for young professionals, growing families, and new found wealth households. It provides a defined program of financial planning services throughout the year for a fixed subscription fee. New clients pay an initial setup fee of $150 for initial planning services. This also covers the first 3 months of fees. After 3 months, you will be billed a flat $150 quarterly fee. All clients must agree to a 12 month contract. Services can be canceled anytime after 12 months. 

Subscription Includes:

  • A free 30 minute consultation 
  • Investment review (two per year)
  • Individual and portfolio risk tolerance assessment and analysis
  • Goal setting, prioritization and review
  • Assistance with annual employee benefit selections
  • Retirement plan investment analysis
  • Life, Disability, and Long Term care options
  • Assistance with investment implementation
  • Phone, e-mail, and video conferencing throughout the year as needs arise
  • An analysis of at least one key financial planning topic each year to ensure you keep up with the overall plan. The following are examples of those topics:
    • Budgeting
    • Insurance
    • Estate or Inheritance Planning
    • Student loan and other debt payoff
    • Planning for a big purchase – car, wedding, home, etc.
    • College funding
    • Retirement Confidence Review
    • Others you may think of and want to include

Questions?

Give us a call. Send us an email. We want to help!






We have covered a lot of information and you probably have questions. Let us know what you would like to discuss and we will get back to you within 24 hours.