Features

The system your spreadsheet was trying to become.

If your financial life now spans multiple accounts, tax questions, entities, and professional handoffs, Ironlake gives those decisions a written policy, a planning model, a review cadence, and a place to record what changed.

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

Turn portfolio oversight into a repeatable discipline.

Add precision

Import positions and lots only when the added detail matters.

Start shallow, add depth

Each feature is tagged with the data depth it requires. Plan & Policy works with just an Asset Allocation Model and an IPS — no positions or lots. Portfolio Oversight requires current positions. Tax-Lot Intelligence requires tax-lot detail. All three depths are included in the one Ironlake Core plan. You graduate when the next depth solves a problem you actually have.

Area 0

· Plan & Policy

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.

Area 1

· Plan & Policy

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.

Area 2

· All depths

Multi-Entity Architecture

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.

Area 3

· Portfolio Oversight

Portfolio & Fixed Income

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

Area 4

· All depths

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.

Area 5

· Portfolio Oversight+

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.

Area 6

· Plan & Policy+

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.

Area 7

· Plan & Policy+

Cash Flow & Liquidity

Track the household's liquidity position, spending buckets, income forecast, burn rate, cash reserve, and major upcoming cash events. The goal is not daily budgeting; it is knowing whether the plan has enough liquid room for the decisions ahead.

Area 8

· Plan & Policy+

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.

Area 9

· All depths

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.

Area 10

· All depths

Decision Journal & Behavioral Governance

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.

Area 11

· Portfolio Oversight

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 IPS. Ironlake shows the math; you draw the conclusion.

Area 12

· All depths

Reporting & Documents

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

Area 13

· All depths

Professional Network

Keep CPAs, attorneys, brokers, trustees, and other professionals attached to the household context they serve. Shared views arrive after launch behind a security review.

Area 14

· Progressive disclosure

Onboarding

Start from the moment that brought you here: self-directing for the first time, deploying cash, planning retirement, inheriting, preparing for advisor meetings, or simply wanting more rigor. Every path lands in the same 30-minute Plan & Policy setup.

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. We are a governance system and a decision-support tool — not an advisor.

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 →