Our Process

Ironwood Investment Counsel takes a comprehensive, client-centric approach to investment and wealth management. We first endeavor to understand our clients’ overall financial picture through construction of a net worth summary so that objectives are defined in the context of all known assets and liabilities.

We then consider our clients’ financial goals and objectives, short and long-term cash flow needs, income and estate tax landscape, as well as their return expectations. These client specific objectives and constraints are then validated through a cash flow scenario analysis.

We develop, implement and manage a customized asset allocation using individual securities and active managers. Our clients’ specific goals and objectives, constraints, and expectations determine the level of equities, fixed income and alternatives.  A primary goal of the portfolio management process is to meet our clients’ goals and objectives with the least amount of risk. The investment process is flexible and fluid to accommodate ever changing economic conditions while managing customized structures.

We seek to match portfolio distributions and contributions to our clients’ investment structure via an asset-liability approach. In this regard, we also seek to immunize current and future cash flow need with income producing assets and allocate remaining assets to assets we expect to appreciate over time.

On an ongoing basis, we can coordinate investment, planning, and income and estate tax matters for our clients*. We can work with our clients’ other professional advisors to help reach successful outcomes aligned with client-specific goals and objectives.

We monitor and measure portfolios as to our client’s progress toward achieving their goals. The performance evaluation process is quantitative and qualitative. Reports are sent quarterly that measure absolute and relative results and meetings are scheduled two to four times annually to share important investment and wealth management updates.

* Please Note: Limitations. The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Ironwood does not serve as an attorney, accountant, or insurance agent. Ironwood does not prepare legal documents or tax returns, nor does it sell insurance products.

*Please Also Note: Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Ironwood) or any planning or consulting services, will be profitable, equal any historical performance level(s), or prove successful.

Philosophy    Process    Advantage