Ironwood Financial, LLC

Ironwood Financial provides discretionary and non-discretionary investment management, financial planning, and retirement-plan consulting to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm builds portfolios from individual equities, individual fixed-income instruments, mutual funds, and ETFs and conducts regular reviews and rebalancing in line with client objectives.

Portfolios are tailored to clients’ risk profiles and time horizons and may incorporate long- and short-term trading, cash positions held for defensive or liquidity purposes, and explicit options strategies such as covered-call writing. Ironwood also identifies IPO opportunities for suitable accounts and uses account-aggregation platforms (eMoney and Orion) to present clients’ total holdings while excluding assets remain outside the firm’s management.

What is distinctive about Ironwood relative to many peers is its use of derivatives and options-writing strategies within separately managed accounts, a practice that is less common among similar team advisers. The firm also documents ERISA fiduciary responsibilities for retirement-plan work and can operate in either a 3(21) advisory role for plan sponsors or a 3(38) discretionary investment manager role when engaged.