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.
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.
Ironhorse is a full-service private wealth management firm driven by relationships and innovation. As an independent firm for individuals, families, nonprofits and foundations, we honor our fiduciary duty with full disclosure, due-diligence, and client communication.
We are a family owned and operated business. While our team continues to grow, delivering our worry free relationship model to each of our clients remains our key focus. The Ironhorse team is made up of a certified financial planner professional (CFP®), certified public accountant (CPA), multiple attorneys, certified divorce financial analyst (CDFA®), chartered advisor in philanthropy (CAP®), life insurance teams and our Chartered Financial Analyst led in-house asset management team.
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.
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.
"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.
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, and tax planning.
We are a family owned and operated business. While our team continues to grow, delivering our worry free relationship model to each of our clients remains our key focus. The Ironhorse team is made up of a certified financial planner professional (CFP®), certified public accountant (CPA), multiple attorneys, certified divorce financial analyst (CDFA®), chartered advisor in philanthropy (CAP®), a life insurance team and our Chartered Financial Analyst led in-house asset management team. However, these are the faces you will interact with most.
Long-term client relationships are what we strive for. We are as careful about accepting new clients as you should be in selecting an adviser. We find that our ideal client, first and foremost, is someone who enjoys working together. 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.
Psst. We have no minimum asset requirement. We believe that everyone deserves quality financial advice.
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 have services tailored to your specific needs.
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.
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.
Being at a financial crossroads can leave you frustrated and trying to figure out what to do next. Your next steps in these situations 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.
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?
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.
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 financial planning and portfolio management 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.
Every person and every journey is different so no financial plan should look the same. The primary financial planning concepts we address (and will fluctuate based on each individual's situation) are: cash flow and spending, investment analysis, employee benefits, college funding, insurance, income tax and estate planning strategies and charitable gifting. These are common situations that clients are looking to resolve but are not limited to these areas:
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.
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.
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.
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.
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?
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.
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