Services

Iron Horse Wealth Management, LLC is a fee only financial planning firm engaged in the process of comprehensive financial planning for clients which includes helping you identify your financial goals and objectives, analyzing your current financial status, developing recommendations and alternatives as well as implementing and monitoring recommendations. This includes, but is not limited to:

Financial statement preparation and analysis

Insurance planning and risk management

Employee benefits planning

Investment planning

Income tax planning

Retirement planning

Estate Planning

FINANCIAL

We will walk our family financial planning clients through a step-by-step process that will help make you feel confident in your decisions and prepare you for unexpected life events or transitional periods in your life. Our clients are often busy people who feel as if they could benefit from working with an expert and gaining insight into their financial wellness.

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing the following services:

  • Investment Management
  • Retirement Planning
  • Employee Benefits Review
  • Portfolio Review and Analysis
  • Asset Allocation and Risk Tolerance Assessment
  • Insurance Planning and Review
  • Tax Planning and Review
  • College Education Funding
  • Cash Flow and Debt Analysis
  • Estate Planning
  • Charitable Planning
  • Business Planning and Analysis
  • 401(k) Planning

INVESTMENT MANAGEMENT

Investment isn't just for the wealthy

The investment philosophy of Iron Horse Wealth Management is strategic asset allocation with a core/satellite approach that has an emphasis of value investing.

STRATEGIC ALLOCATION - We believe in asset allocation with a conscience. Therefore, we select prudent allocation targets based upon the goals and objectives for the portfolio. We then adjust and rebalance the portfolio based upon opportunities to capture growth or avoid risk.

CORE HOLDINGS - The core portfolio is regularly updated to balance the risk and return opportunities in the market. It is a broadly diversified portfolio that covers asset classes across the spectrum from large to small, domestic to international, or stocks to bonds.

SATELLITE HOLDINGS - Our satellite portfolio is constructed of opportunistic holdings designed to offset risks and capitalize on opportunities for growth and additional cash flow/dividend yield.

DISCIPLINE - We are disciplined in our approach to proper diversification, risk assessment and mitigation, pricing and acquisition/exit strategies.

Iron Horse predominantly uses ETFs or Indexed Funds in portfolios in an effort to deliver the durable competitive advantage of lower costs in the portfolio (costs deferred is money that stays invested for you rather than being siphoned off to fund companies, advisors, etc.). We also believe our investors benefit from a lack of manager bias, eliminated excess underlying trading costs, reduced style drift and managers chasing returns and retain the ability to slice and dice the marketplace to access the precise level of market exposure we desire.