Financial planning and oversight for households
Do you know where your financial plan stands?
When your finances span several accounts and decisions made years apart, it can be hard to tell what you've planned for and what still needs attention. Ironlake brings your investments, cash reserves, and estate planning details together so you can see what to review next and remember why you made past decisions.
Setup takes about 30 minutes. You don't need to connect a brokerage account or import anything to start.
Putting the plan to work
What changes when life changes?
A windfall or an earlier retirement can change what you need from your investments. Ironlake helps you see how a decision fits with the rest of your plan, what assumptions it depends on, and what you may need to revisit.
Getting started
Start with your written investment plan.
Write down what your investments need to do, how you want to allocate them, and what you assume about the future. You can review that plan before adding account data. Add holdings and tax lots when you need more detail for a decision.
Plan & policy
Write the plan and model
Write down your investment rules, pick or build an allocation model, run base, conservative, and stressed scenarios, and complete your first monthly review.
Portfolio oversight
Add positions when ready
Import holdings for precise allocation rollups, look-through exposure, concentration monitoring, and income by tax character.
Tax-lot intelligence
Go deeper when it matters
Add lots when loss harvesting, wash-sale checks, capital-gains scenarios, and tax-prep exports are worth the additional detail.
Reviewing the plan
Pick up where the last review left off.
See how your investments compare with the mix you planned. Keep track of questions you meant to come back to, such as whether one holding has grown too large or whether an old beneficiary designation still reflects your wishes.
Work with an advisor? Bring your written plan and use the quarterly meeting agenda to discuss costs and open questions. Review your portfolio against the benchmark in your plan on the Cost & Performance page. Record what you agreed to revisit together.
Your rules, written down
Set your target allocation, drift bands, and single-position limit once. Ironlake compares the portfolio against them and flags what is out of bounds. Your sell rules are written down alongside, ready for the next decision.
After-tax numbers
Income is tracked by tax character (qualified, ordinary, tax-exempt), and federal brackets, your state rate, the 3.8% investment-income tax, and Medicare IRMAA tiers are part of the math.
A record of why
Log each decision with the reasoning at the time. A year from now you will know why you did it, not only that you did.
Shows the math, never picks the trade
Ironlake flags candidates and shows the numbers. It never tells you what to buy or sell.
The projection engine
Plan for more than one future.
Every projection runs three ways from the same allocation model, year by year, and marks the year the money would run out if it does. The inputs are visible and editable, so you can see which assumption the plan actually depends on.
Base
Your assumptions
The returns, inflation, and income yields from your allocation model, with your spending, retirement year, and any one-time inflows or expenses you add.
Conservative
Lower returns, higher inflation
Real returns 2 points lower and inflation 1 point higher across every asset class. A plan that only works on the base case shows it here.
Stressed
A market drop early on
A one-time 30% fall in stocks early in the plan, when a portfolio is most exposed to losses, followed by your normal return assumptions.
From there you can layer on specific events, such as a 2008-style crash, rising rates, stagflation, a business exit, or a large purchase, or replay the plan through real market history, such as a retirement starting in 1929, 1966, or 1973.
Monte Carlo, as a stress test. When you want to see how wide the range of outcomes could be, run the Monte Carlo view. It builds 1,000 alternative paths for your allocation by resampling whole years of actual market history (1928 to 2022), shows the spread from the 10th to the 90th percentile, and counts how many paths sustained the plan. The three scenarios stay on the chart, and the method and its limits are spelled out next to the results. There is no single “probability of success” score.
What Ironlake is, and isn't
Ironlake is decision support and analytics. It is not a registered investment adviser. It does not place trades. It does not tell you which specific securities to buy or sell. It helps you apply your own rules consistently, see the math clearly, and record the rationale for the decisions you make.