At A Glance
- CustodyTypically an independent third-party custodian
- FormatGeneral guide, not personalized advice
- Approach coveredEvidence-based, low-cost, tax-aware investing
- CostFree to read
What's in this guide
Risk & horizon review
How much risk a plan actually calls for is usually the starting point — often less than people guess.
Portfolio construction
What a diversified, low-cost portfolio built around specific goals looks like, versus a one-size model.
Ongoing management
Why monitoring and rebalancing matters as a plan and the markets both move.
Custody & oversight
For anyone working with an investment adviser, it's worth knowing that legitimate advisers typically don't take custody of client money themselves — assets sit with an independent third-party custodian, and the adviser directs trades on the account.
Ironwood Financial doesn't manage investments or hold client assets. This page is educational only — for actual portfolio management, work with a licensed, registered investment adviser.