Personal financial governance
The governance system
for self-directed wealth.
Replace spreadsheets, scattered broker views, and ad hoc decisions with a written investment policy, structured reviews, tax-aware planning, and a decision log you can come back to later.
Start in about 30 minutes. No brokerage login required.
Built for the moments that matter
The financial decisions that are too important to improvise.
The problem is not another dashboard. It is making a six- or seven-figure decision when the only record is a workbook, a broker portal, and notes from the last meeting.
Start with policy, not aggregation
Useful before you import a single position.
Most wealth tools ask for brokerage credentials before they provide value. Ironlake starts with your Investment Policy Statement, asset allocation model, and household assumptions, so you can begin governing decisions before sharing account data. Add positions and tax lots later when the extra precision is worth the effort.
Plan & policy
Build the governing model
Create an Investment Policy Statement, adopt or customize an asset 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, income by tax character, and performance against your own policy benchmark.
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.
For self-directed investors
Manage complexity without handing over control.
If you make your own financial decisions or simply face complexity that has outgrown spreadsheets, Ironlake puts your rules, reviews, models, and decision notes in one place.
For advisor conversations
Bring better notes to the meeting.
Bring your policy, cost, performance, and questions into the room before the meeting starts. Ironlake gives you the numbers, notes, and context to make the hour count.
Policy-first
Every portfolio action traces back to your Investment Policy Statement. The IPS is the constitution; the rest of the product is the enforcement layer.
Behavioral discipline
Decision journals, sell-rule checks, cooling-off periods, stabilization modes. The product makes it harder to do impulsive things and easier to do planned ones.
After-tax reality
Every number reflects what you actually keep. Tax character is a first-class field on every income-producing holding, and every threshold that changes your bill - federal brackets, state, the Medicare and investment-income surtaxes, AMT - is tracked in one place.
Decision support, not advice
Ironlake never tells you what to buy or sell. It surfaces candidates, the math, and the IPS rule that matches. You always decide.
Manual-first
Works with manual entry, CSV, and Excel imports as primary paths. Brokerage account aggregation is available at higher tiers, never required. Your data, on your schedule.
Constructive by design
When the product surfaces cost or performance, it shows the math clearly so the next conversation starts with the numbers in view.
The projection engine
Three scenarios. Every input visible. No black box.
Most planning tools either hide the assumptions or bury the answer in simulation. Ironlake shows a base case, a conservative case, and a stressed case from inputs you can inspect and change. The point is simple: see whether the plan covers what you actually need to spend, before the next major decision.
What Ironlake is — and is not
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.