Our Financial Planning Process

Your financial plan is our purpose.

We believe your strategy should be dictated by your goals, not the other way around. That means our process is built on getting to the heart of your objectives first, so we can offer a powerful financial strategy that aligns perfectly with and supports your vision.

Phase 1: Develop the Planner-Client Relationship

Relationships are everything at Ironwood Wealth Management. Our commitment is to get to know you and fully understand your goals and circumstances, so that we can make the best financial recommendations for you.

Phase 2: Information & Data Gathering

If your goal is an accurate, adaptable, well thought-out financial plan, then we’re on the same page. To improve our accuracy, we’ll endeavor to learn as much as we can about you and your current financial situation.

Phase 3: Analyze & Evaluate

Once we fully understand where you want to be in the future and have a complete picture of what your financial situation looks like today, we’ll be well on our way to the creation of your plan.

Phase 4: Presentation of Your Plan

In this phase, we’ll present you with the recommendations and alternatives we’ve identified for you. We’ll also educate you on the benefits and drawbacks of each. We believe an informed investor is a powerful investor.

Phase 5: Implementation of Your Plan

This is “go” time, when we work together to put your plan into action. We’ll keep you informed and updated on progress at every step.

Phase 6: Monitor & Adjust

No “set it and forget it” here. We’ll continually monitor your plan and your investment portfolio, fine-tuning and adjusting as needed, while always letting you know what we’re doing and why.

Please note: The scope of any financial planning and consulting services depends upon the terms of the engagement and the specific requests and needs of the client. Ironwood Wealth Management does not serve as an attorney or accountant, nor does it prepare legal documents. Ironwood’s tax division may prepare tax returns for clients who engage it for this service. Ironwood Wealth Management does not sell insurance products but assists clients in facilitating their insurance needs through one or more unaffiliated providers. Ironwood Wealth Management operates exclusively as a fee-only firm and does not receive commissions or compensation from third parties for referrals or product sales.”

"I have had an excellent experience with Ironwood Wealth Management. Their professional expertise is truly world-class, making complex financial planning straightforward and effective. The staff is incredibly friendly, always making me feel welcome and valued. I appreciate their extreme transparency. I highly recommend Ironwood for anyone seeking top-notch financial services."

Michael E

Ironwood Client*

"My wife and I have been clients of Ironwood Wealth Management for nearly 10 years, and we couldn't be more pleased with the service we've received. From the very beginning, we've been impressed by the personalized attention and thorough explanations provided by our financial advisor. The team at Ironwood has always taken the time to ensure we understand how our portfolios are being managed and how their strategies are setting us up for a successful retirement. Their expertise in both financial planning and tax preparation has been invaluable to us. We feel confident knowing that our financial future is in good hands, and we appreciate the care and consideration they’ve shown us throughout the years. If you’re looking for a financial advisor who truly puts your needs first, we highly recommend Ironwood Wealth Management."

Chuck M

Ironwood Client*

"Incredible financial management firm with amazingly experienced and helpful advisors -- regular meetings allow us to review our situation (including tax, spending and retirement) on a regular basis."

Gene

Ironwood Client*

"Few things are more important than protecting the financial assets that everyone works so hard for. It is imperative that you have trust and confidence in your financial advisor especially if you are retired. We have been fortunate to have found such a firm with Ironwood Wealth Management. My wife and I have been loyal clients for about 13 years. We have found the entire team to be friendly, honest, reliable, thorough, knowledgeable and professional. The entire team has become an integral part of our overall financial health. We are extremely pleased with the quality of service we receive and in particular, the financial knowledge, expertise, wisdom and skills provided by Ironwood. Our financial future is in their hands and we are not only comfortable with that but grateful. Having been in the financial services business myself for 44 years, I can attest to the level of excellence this firm provides. Thank you Ironwood for all you do."

Steve B

Ironwood Client*

"My wife and I have been with Alex Marek at Ironwood for over 15 years. We came to Alex after he came with a very high recommendation from a relative about him. After meeting and talking to Alex for about an hour, we realized that he was the perfect financial planner for us. Alex and his associates have provided us with expert guidance in every aspect of our financial needs from planning, to tax preparation, to recouping losses from unfortunate financial choices made prior to our affiliation with Alex. As we were nearing retirement, we had some specific travel requirements. Alex made certain that our investments would give us the results we needed, and after 12 years of retirement, it has been exactly that. One the best reviews we can give is that both of our daughters, and their families, are with Alex and Ironwood. Ironwood is a company we value, and Alex Marek is a man we truly trust to manage our investments. All of his advice is preceded by thorough and thoughtful explanations."

Steve S

Ironwood Client*

"I have partnered with Cean and the Ironwood team for over 17 years. The continuous planning, guidance, reviews, and outcomes reached helped me to retire early as planned. The firm always acts with integrity and has pushed my thinking at times to make sure I took advantage of, or was aware of, relevant information to help me make the right decisions to meet goals and objectives. It is a great two-way positive relationship full of learning and accountability."

Dan L

Ironwood Client*

"We have been working with Rick Wagner for several years. He is attentive, innovative and informative. We are very pleased with the way our portfolio is being handled by Rick and his team!"

Mike & Darlene

Ironwood Client*

"Dessa & I had our semi-annual meeting with Rick Wagner on 9/19/24. As usual, Rick was very well prepared to give us a "what's happening" with our overall economy as well as specifics on our accounts."

Jim H

Ironwood Client*

"I’ve been a client of Ironwood Wealth Management for approximately 3 years. My wealth advisor is Rick Wagner. My experience with this firm and my advisor have been beyond stellar. They continually keep me informed of updates and changes. I’m comfortable in knowing they have my financial interests as their main priority and they keep me informed of such. It’s been a pleasure doing business with Rick Wagner and Ironwood Wealth Management."

Billy S

Ironwood Client*

"I have been working with Ironwood Wealth Management for a few years. Everyone I have dealt with at Ironwood has been very professional, polite and available for questions when I have them. Rick, my advisor, is top-notch. He is very knowledgeable and easy to understand. I feel that I have made my share of mistakes throughout my life (e.g., three marriages), but working with Rick and Ironwood is one of the best things I've done. I have a clear understanding of my financial situation and know that I will be retiring comfortably (and soon). Thank you Rick and Ironwood."

Don H

Ironwood Client*

*This statement was provided by a current client in response to a request by Ironwood Wealth Management for feedback. No cash or non-cash compensation was provided in exchange for the statement. Aside from our client-advisor relationship, we don’t believe that there are any material conflicts of interest arising from our relationship. Results may not be typical of all investors.

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