Features

Know where your financial plan stands.

See what you have planned for across investments, taxes, cash needs, and estate planning. Test the assumptions behind your plan, see what needs another look, and keep a record of your decisions.

Know the policy

Write down the rules before the next decision arrives.

See the scenarios

Base, conservative, and stressed traces from visible inputs.

Review the month

Review what changed and carry open questions into the next review.

Add precision

Import positions and lots only when the added detail matters.

Start shallow, add depth

Much of Ironlake works with just an allocation model and your written investment plan, with no positions or lots. Some features need more: current holdings for allocation rollups and exposure, dated account balances and cash flows for performance, and tax lots for loss harvesting and capital-gains scenarios. Add detail when you need it for a review or decision.

Asset Allocation Model & Projection Engine

Start with the strategy before the account data. Build or fork a model with sleeves, asset classes, assumptions, tax character, and version history. Run every plan through base, conservative, and stressed scenarios with a visible failure marker for each trace. Compare models side by side when you are weighing a strategic shift.

Investment Policy Statement

Turn your investment beliefs into a governing document. The IPS builder separates risk capacity, tolerance, and need; ties allocation targets to your active model; captures sell discipline, never-sell rules, tax-location rules, stabilization periods, and version history; and produces a shareable PDF for professional conversations.

Trusts, LLCs & Entities

Map the household the way it actually exists: individuals, trusts, LLCs, foundations, and DAFs with ownership relationships. The structure supports look-through exposure, per-entity reporting, K-1 and Form 1041 prep, and the professional handoffs that complex households need.

Portfolio & Fixed Income

Add positions when you want the model to meet reality. Track holdings, account management type, allocation drift, look-through exposure, and fixed-income details such as ladder structure, after-tax yield, duration, call risk, GO vs. revenue, and AMT flags.

Tax Planning

Keep the tax context attached to the decision. Ironlake models income by tax character, watches brackets and thresholds, supports estimated-tax and compliance calendars, and unlocks lot-level loss harvesting, wash-sale checks, and capital-gains scenarios when you add tax lots.

Private & Alternative Investments

Give alternatives a place beside the rest of the household balance sheet instead of a separate folder. Track PE, VC, private credit, BDCs, hedge funds, real estate, and passion assets with commitment, liquidity, valuation, fee, and review context.

Strategic Planning

Use the same model for retirement transitions, life-event scenarios, asset-location flags, withdrawal sequencing, and cash deployment. Windfalls, RSU vests, inheritances, and business exits can be worked through before a single brokerage file is imported.

Cash Flow & Liquidity

Track the household's liquidity position, spending buckets, income forecast, burn rate, cash reserve, and major upcoming cash events. It is built to answer whether the plan has enough liquid room for the decisions ahead, not to track daily spending.

Risk & Insurance

Keep risk visible across insurance, liabilities, concentrated positions, lockups, vesting, rate exposure, and other balance-sheet exposures that do not show up cleanly in a brokerage dashboard.

Estate & Succession

Bring estate context into the same system that holds the portfolio policy: gifting, lifetime exclusion, step-up watchlists, state estate-tax exposure, beneficiary and titling consistency, and document references.

Decision Journal & Reviews

Record why a decision was made while the reason is still fresh. Journal model changes, IPS revisions, cash deployments, review outcomes, and portfolio decisions with a planned-or-reactive check and a monthly review rhythm.

Cost & Performance

See the full picture of what you pay and what you get: advisor fees, fund expenses, trading costs, tax drag, and after-fee returns against the benchmark from your own written investment plan, measured from the account balances and cash flows you record. Ironlake shows the math; you draw the conclusion.

Reporting & Documents

Produce the artifacts that make professional conversations easier: monthly reviews, advisor meeting agendas, annual tax-prep packages, entity reports, CPA exports, attorney exports, trustee views, net-worth history, and document references.

Professional Network

Keep CPAs, attorneys, brokers, trustees, and other professionals attached to the household context they serve. Give a spouse, CPA, trustee, or advisor read-only access, with the sections each can see set by their role.

The three lines we don't cross

  • No personalized instructions for specific securities or trades. We surface candidates and the math; you choose.
  • No automated execution. Ironlake is read-only with respect to every brokerage and bank.
  • No advice framing. Ironlake is planning and analysis software. It is not an investment adviser.

Security and privacy

Ironlake is built to hold the most sensitive parts of a household's balance sheet. Customer data is separated by account, access checks run before financial records are read or changed, data is encrypted where it sits, two-factor authentication is encouraged on every account, and Ironlake keeps a deliberate read-only relationship with your brokerages. Read the Trust Center →

Go deeper

Start with the concepts in plain language in Learn, see exactly how to do the core workflows in the how-to guides, or read how the numbers are computed - assumptions, sources, and limitations - in the methodology.