Comprehensive Financial Planning

How We Rebalance Investments for Long-Term Success

Our Strategic, Data-Driven Approach to Portfolio Allocation Investing is a long-term journey, but that doesn’t mean you can set up a portfolio and forget it. Markets evolve, economic conditions shift, and even a well-constructed allocation can drift off course over time. That’s why we believe a disciplined rebalancing strategy is essential — not simply to correct imbalances, but to ensure your portfolio reflects your evolving needs. At Ironwood Wealth Management, rebalancing is a strategic, research-driven process, one we use to manage risk, fine-tune your asset allocation, and preserve diversification, all while staying focused on what matters most: your financial objectives. Read More

How We Rebalance Investments for Long-Term Success2025-07-10T09:24:12-07:00

Asset Allocation Strategies: The Impact on Your Portfolio

Chasing headlines, trying to time the market, or betting on the next big stock might feel productive, but it rarely delivers consistent results. At Ironwood, we’ve seen firsthand how those strategies often fall short. What does stand the test of time? We find research — and decades of experience — point to one thing: asset allocation is the true engine behind long-term portfolio performance. That principle is the foundation of our approach to portfolio management. We believe smart allocation is the key to managing risk, controlling volatility, and helping clients build lasting wealth. Let’s take a closer look at how Read More

Asset Allocation Strategies: The Impact on Your Portfolio2025-07-10T09:22:49-07:00

Value-Added Investing Without the Guesswork

How Value-Driven Tilts Can Strengthen Long-Term Portfolio Performance   It’s easy to get caught up in market headlines. Inflation ticks up, interest rates shift, a major company reports earnings, and suddenly, everyone’s asking: Is now the time to make a move? At Ironwood Wealth Management, we take a different approach. Effective portfolio management doesn't mean reacting to every market swing or chasing trends. Instead, we focus on value-added investing — making thoughtful, research-driven adjustments to your portfolio that are grounded in data, not emotion. Part of our disciplined approach includes looking for value and over weighting or “tilting” . Here, Read More

Value-Added Investing Without the Guesswork2025-07-10T09:24:50-07:00

Values-Based Budgeting: What It Is & Why It Works

When most people hear "budget," they picture spreadsheets and strict limits. But at its best, budgeting goes beyond the numbers to align your money with what matters most. Referred to as values-based budgeting, this strategy shifts the focus from where to spend less to how to invest in the things most important to you. Instead of cutting expenses for the sake of it, you make every dollar a tool to build the life you want. In this blog, we’ll explore how values-driven budgeting and financial planning can help you make confident decisions, stay connected to your goals, and design a Read More

Values-Based Budgeting: What It Is & Why It Works2025-05-02T07:40:09-07:00

Financial Planning for Couples: Building a Stronger Future Together

Finding your person is just the beginning. Building a life together — and a future you both feel excited about — means figuring out how to manage money as a team. Whether you’re celebrating a new engagement, settling into married life, or navigating years of partnership, financial planning for couples goes far beyond splitting the monthly bills or covering date night. You need a strategy that fits your personality, aligns with your values, and fuels the dreams you share. At Ironwood Wealth Management, we help couples design smart, sustainable financial plans that support their goals and bring clarity to life’s Read More

Financial Planning for Couples: Building a Stronger Future Together2025-05-01T19:19:48-07:00

Emotions and the Market

April: A Time to Reflect on Financial Literacy and Investing Discipline The Office of the Comptroller of the Currency (OCC) designates April as National Financial Literacy Month—a time to highlight the importance of increasing consumer knowledge and skills to build and maintain sound financial choices. For stock market investors, April 2025 has been a true emotional rollercoaster, with dramatic shifts between fear and euphoria occurring within just days. In the spirit of National Financial Literacy Month - and considering recent market turbulence - Ironwood Wealth Management encourages investors to stay focused on the fundamentals and adhere to a disciplined investment Read More

Emotions and the Market2025-05-01T18:01:34-07:00

Estate Planning in 2025: What You Need to Know

Estate planning is one of the most important steps you can take to protect your wealth and provide for your family’s future. And with major changes to estate tax laws on the horizon, now is the time to review your strategy and take advantage of current opportunities. Whether it’s using today’s higher exemptions before they drop, making smart gifting moves, or adjusting your retirement plans, taking action this year can save you and your family a lot of hassle, and money, down the road. Let’s explore some key strategies to ensure your estate is structured for long-term success. 1. The Read More

Estate Planning in 2025: What You Need to Know2025-04-07T14:40:59-07:00

Saving for Retirement: Am I on Track?

It’s a question that most professionals ask as they advance in their careers: “Am I saving enough for retirement?”  While no two retirement journeys are the same, there are clear benchmarks, financial tools, and strategies that can help determine whether you’re on pace to meet your long-term goals. In this guide, we’ll walk through how to assess where you stand today, identify potential gaps, and make smart, strategic adjustments to help ensure the future you’re planning for becomes a reality. 1. Consider Retirement Savings Benchmarks  A simple starting point is comparing your current savings to general benchmarks based on Read More

Saving for Retirement: Am I on Track?2025-04-03T15:00:32-07:00

Retirement Programs for the Self-Employed: What Are Your Options?

Being self-employed comes with incredible benefits — freedom, flexibility, and control over your financial future. But when it comes to retirement planning, the responsibility falls entirely on you. Unlike traditional employees with 401(k)s and pensions, self-employed individuals must create their own savings strategy. If you’re an entrepreneur, freelancer, or small business owner, you may already have a plan in place. But is it still the best fit for your long-term goals? This guide explores the most effective retirement options for self-employed individuals, their tax advantages, and key considerations to help you maximize your savings. Choosing the Right Plan for Read More

Retirement Programs for the Self-Employed: What Are Your Options?2025-03-31T17:25:04-07:00

Your 2025 Financial Health Checklist

Spring is here, making it the perfect time to check in on your financial health. While many people make resolutions in January, the new season is an excellent time to assess what’s working, adjust what isn’t, and set yourself up for success in 2025 and beyond.Whether you’re a high-earning professional, a business owner, or simply someone looking to maximize your wealth, a structured, proactive approach to financial planning ensures you stay on track and don’t leave anything on the table. Here’s your essential 2025 financial health checklist to help you make the most of your money this year.Step 1: Assess Your Read More

Your 2025 Financial Health Checklist2025-03-31T17:20:56-07:00
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