Iron Oak Capital Management

Iron Oak Capital Management works with individuals (including high-net-worth clients), trusts, estates, charitable organizations, and business entities to provide comprehensive portfolio management as well as financial planning and consulting. The firm reports managing roughly $13 million on a discretionary basis for about 40 clients and constructs portfolios using ETFs, mutual funds, individual stocks and bonds.

The firm’s investment process combines fundamental, technical and cyclical analysis and employs long-term, short-term and trading strategies; accounts are reviewed at least quarterly and the onboarding process includes one or more client meetings to assess goals and risk tolerance. Clients receive individualized advice under the comprehensive management service, may impose reasonable restrictions on holdings, and the firm implements agreed plans with discretionary trading and periodic rebalancing as appropriate.

Noteworthy characteristics for a firm of this size include a small, two-advisor team that includes a CFA-level professional and a team member with a non‑financial professional background who holds securities licenses and is pursuing financial planning credentials, and a broad planning menu (for example, cost segregation studies, corporate-structure and real-estate analysis, mortgage/debt and tax-related planning) that extends beyond typical retail advisory offerings. The firm routinely recommends a specific custodian (Charles Schwab) for client accounts, provides written financial plans for planning engagements, and generally delivers account reviews verbally unless clients request written reports.