Ironwood Wealth Management, Inc.

Ironwood Wealth Management, Inc. provides discretionary and non-discretionary investment advisory services to individuals, trusts, estates, charitable organizations, corporations and retirement plans. The firm offers ongoing portfolio management, financial planning (either stand‑alone or, for many retail clients, included within its advisory arrangement) and retirement‑plan consulting with participant education.

Investment implementation centers on mutual funds and exchange‑traded funds, supported by fundamental, technical and quantitative analysis and a set of asset‑allocation strategies that range from Conservation to Aggressive Growth. Ironwood monitors accounts at least quarterly, uses the eMoney platform to aggregate and display excluded (non‑managed) assets, and treats cash positions as an asset class that is included in assets under management and billed under its percentage‑of‑AUM fee schedule.

Notable distinctions in the brochure include managing $233,131,125 in client assets with a three‑advisor team and the firm’s explicit policy to include cash balances (and certain sweep arrangements) in AUM for fee calculation, a practice that can differ from many peers. The firm also documents ERISA plan services delivered in both 3(21) and 3(38) capacities, a policy to, in many cases, move unmanaged sweep balances into higher‑yielding money‑market funds to mitigate yield dispersion, and an uncommon administrative requirement that standalone financial‑planning engagements be terminated by signed hard‑copy notice.