This website is a publication of Ironwood Wealth Management (“The Company”). Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change.
This website is provided as a service of Ironwood Wealth Management (“The Company”). By accessing The Company’s website, you agree to the following terms and conditions:
Each client and prospective client agrees, as a condition precedent to his/her/its access to The Company’s web site, to release and hold harmless The Company, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from The Company.
NO OFFER: Nothing on this website should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction. The Company does not render or offer to render personalized investment advice or financial planning advice through its website. The Company’s specific advice is given only within the context of our contractual agreements with each client. The Company’s website is limited to the dissemination of general information about The Company’s service offerings, and provides an alternative method for prospective clients to learn more about The Company, and contact The Company. Advice may only be rendered after the delivery of Form ADV Part 2a and b, the execution of an investment advisory and/or financial planning agreement by the client and The Company.
NO RELIANCE: While The Company uses reasonable efforts to obtain information from sources which it believes to be reliable, The Company makes no representation that the information or opinions contained on The Company’s website is accurate, reliable or complete. The information and opinions contained in The Company’s website are provided by The Company for personal use and informational purposes only and are subject to change without notice. Nothing contained on The Company’s website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. The Company’s specific advice is given only within the context of our contractual agreements with each client.
LINKED WEBSITES: When you access certain links on The Company’s website you may leave The Company’s website. The Company does not endorse the content of such websites nor the products, services or other items offered through such websites. Any links to other sites are not intended as referrals or endorsements, but are merely provided to the users of The Company’s website for convenience and informational purposes. To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to The Company’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from The Company, or from any other investment professional.
PASSWORD-PROTECTED AREAS: Some of the material in The Company’s website, notably under Client Center is password-protected and access to these areas is restricted to authorized users only. The user in password-protected areas is responsible for any use of the password and for maintaining the confidentiality of the password.
DOWNLOADED MATERIAL FROM WEBSITE: You may download or print out a hard copy of individual pages and/or sections of The Company’s website, and files made available for download, provided that you do not remove any logos or other proprietary notices. Any downloading or otherwise copying from The Company’s website will not transfer title to any software or material to you. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose The Company’s website without the prior written permission of Ironwood Wealth Management.
SEC REGISTRATION: Ironwood Wealth Management (“The Company”) is an SEC registered investment adviser located in Hurricane, WV. The Company may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. The Company’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of The Company’s web site on the Internet should not be construed by any consumer and/or prospective client as The Company’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by The Company with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of The Company, please contact the SEC or the state securities regulators for those states in which The Company maintains a notice filing. A copy of The Company’s current written disclosure statement discussing The Company’s business operations, services, and fees is available from The Company upon written request. The Company does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to The Company’s web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Registration as an investment advisor does not constitute an endorsement of The Company by securities regulators nor does it indicate that the advisor has attained a particular level of skill or ability.
ADDITIONAL: Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by The Company or its representatives), will be profitable or equal any historical performance level(s). No client or prospective client should assume that any information presented and/or made available on this Website serves as the receipt of, or a substitute for, personalized individual advice from the adviser or any other investment professional.
Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), or product made reference to directly or indirectly on this Website, or indirectly via link to any unaffiliated third-party Website, will be profitable or equal to corresponding indicated performance levels.
Different types of investment involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client’s investment portfolio.
Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have [the] effect of decreasing historical performance results.
Certain portions of The Company’s web site or linked websites (i.e. blog, newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, The Company (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from The Company, or from any other investment professional. The Company is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.
Investment advisor representatives may be licensed insurance agents and may recommend insurance products and earn commissions for selling or servicing various insurance products.
March 20, 2023
Item 1 – Introduction
Ironwood Wealth Management (“Ironwood”, “we” or “us”) is registered with the U.S. Securities Exchange Commission (“SEC”) as registered investment adviser. Investment advisory services and compensation structures differ from that of a registered broker-dealer, and it is important that you understand the differences.
Free and simple tools are available to research firms and financial professionals at www.Investor.gov/CRS. The site also provides educational materials about broker-dealers, investment advisers and investing.
Item 2 – Relationships and Services
What investment services and advice can you provide me?
We provide investment advisory services, including discretionary management and financial planning and consulting services to individuals, trusts, estates and businesses (our “retail investors”) and retirement plan consulting services to participant-directed corporate retirement plans.
When a retail investor engages us to provide discretionary investment management services, we shall monitor, on a continuous basis, the investments in the accounts over which we have discretionary authority as part of our investment management service. Furthermore, when engaged on a discretionary basis, we shall have the authority, without prior consultation with you (unless you impose restrictions on our discretionary authority), to buy, sell, trade and allocate the investments within your account(s) consistent with the investment policy statement guidelines for the investment strategy you selected. Our authority over your account(s) shall continue until our engagement is terminated.
When a retail investor engages us to provide financial planning and consulting services, we rely upon the information provided for our review and do not verify or monitor any such information while providing this service. Unless provided separately from our investment advisory services as part of a financial planning & consulting engagement that is agreed to be an ongoing service, our financial planning and consulting services are completed upon the communication of our recommendations to the retail investor.
We do not limit the scope of our investment advisor services to proprietary products or a limited group or type of investments.
Additional Information: For more detailed information about our Advisory Business and the Types of Clients we generally service, please See Items 4 and 7, respectively in our ADV Part 2A.
Given my financial situation, should I choose an investment advisory service? Why or why not?
How will you choose investments to recommend to me?
What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?
Item 3 – Fees, Costs, Conflicts, and Standard of Conduct
What Fees will I pay?
We provide our investment advisory services on a fee basis. The investment advisory fee is charged quarterly and is based upon a percentage of the market value of the assets placed under our management. Our fee will generally range from 0.50% to .90% annually. Clients with less than $500,000 under management with us will be billed 1.0% annually. We normally require a beginning minimum asset level of $100,000. Our minimum annual fee is $1,000 in connection with our investment management services. When a participant-directed corporate retirement plan engages us for retirement plan consulting services, our fee typically ranges from 0.25% to 1.00% annually of plan assets. Because our AUM Fee is calculated as a percentage of your assets under management, the more assets you have in your advisory account, the more total dollars you will pay us for our investment management services. Therefore, we have an incentive to encourage you to increase the assets maintained in accounts we manage. Additionally, for investment advisory clients, to the extent we provide limited consultation services specifically requested by you (i.e., retirement planning, estate planning review, tax planning, etc.), we will not receive any separate or additional fee. We offer our Financial Planning services for a fixed fee ranging from $250.00 on a fixed fee basis and from $250 on an hourly basis. The fee for any subsequent work shall be agreed to prior to commencing the engagement.
Other Fees and Costs: Your investment assets will be held with a qualified custodian. Custodians charge brokerage commissions and/or transaction fees for effecting certain securities transactions (i.e. transaction fees are charged for certain no-load mutual funds, commissions are charged for individual equity and fixed income securities transactions). In addition, relative to all mutual fund and exchange traded fund purchases, certain charges will be imposed at the fund level (e.g. management fees and other fund expenses).
Additional Information: You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. For more detailed information about our fees and costs related to our management of your account, please See Item 5 in our ADV Part 2A.
Conversation Starters: Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?
What are your legal obligations to me when acting as my investment adviser?
When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. As an example, we may recommend a particular custodian to maintain your assets, and we may receive support services from this custodian, certain of which assist us to better monitor and service your account, while a portion may be for the benefit of our firm.
How might your conflicts of interest affect me, and how will you address them?
Additional Information: For more detailed information about our conflicts of interest, please review our Form ADV Part 2A.
How do your financial professionals make money?
Our financial professionals are compensated on a salary basis. Financial professionals compensated on a salary basis do not receive additional compensation based upon the amount of assets they are responsible for managing nor do they receive higher compensation when working with complex portfolios. However, certain of our financial professionals, based upon firm ownership status, may receive a profit distribution. You should discuss your financial professional’s compensation directly with your financial professional. Item 4 – Disciplinary History
Do you or your financial professionals have legal or disciplinary history?
No. We encourage you to visit www.Investor.gov/CRS to research our firm and our financial professionals.
Furthermore, we encourage you to ask your financial professional: As a financial professional, do you have any disciplinary history? If so, for what type of conduct?
Item 5 – Additional Information
Additional information about our firm is available on the SEC’s website at www.adviserinfo.sec.gov. You may contact our Chief Compliance Officer, John Williams, at any time to request a current copy of your ADV Part 2A or our relationship summary. Our Chief Compliance Officer may be reached by phone: (304) 760-6000.
Who is my primary contact person? Is he or she a representative of an investment adviser or broker-dealer? Who can I talk to if I have concerns about how this person is treating me?
A copy of our Part 2A is available at:https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=824106