Investment Management Services

Iron Mountain Financial Planning, LLC provides on-going management of individually tailored investment portfolios.  Client accounts are held directly at Charles Schwab & Co., Inc. & TD Ameritrade Clearing, Inc.

Our Evidence-Based Investing Approach

Moving beyond passive and active investing to focus on why and improve client outcomes.

Evidence-Based Investing

  • Long-Term Market History
  • Focus on what we can control
  • Practical Application
  • Patient Participation
+

vs.

Traditional Investing

  • Trying to outperforming the markets
  • Relying on “Expert” opinions
  • Risk is secondary to performance
  • Quick to react to the latest news

Evidence-Based Investing Differs from Traditional Investing in Several Areas

Focus on investor’s goals, portfolio’s developed with expected market retuns in mind.

Choosing a different Path

Focus on beating the markets and chasing the next hot trend.

Development and adherence to an Investment Policy Statement which answers the how and why.

u

Starting with the Why

Investing to get the highest return, nevermind risk and potential for loss – more money is better.

Long-term perspective, recognizing rtirement portfolios are designed for 30 to 40+ years.

Perspective of Time

Short-term performance focus, how did we do last quarter.

Low implementation and maintenance costs, less return is lost to expenses.

Expenses Matter

Increased trading inherent to active investing drives up investor expenses and taxes.

Utilizing asset location strategies to place assets in the most tax efficient account type.

Investment Location

Accounts are invested similarly regardless of account tax characteristics.

Actively monitoring opportunities for tax loss harvesting by utilizing market swings to reduce income taxes.

Market Volatility

Taking gains and losses only when changing to the next hot trend.

Quarterly rebalancing ensures portfolio risk remains in alignment with investor goals.

Rebalancing

Growth has been outperforming for several years, we should add to that fund.

Additional Articles You May Find Interesting

Presidential Election, Volatility, and the Long View

Presidential Election, Volatility, and the Long View

Article written by Brian Bickett The presidential election is looming next week and, considering the many surprises 2020 has already brought us, the outcome of the election is shrouded with uncertainty, speculation, and angst.  Beyond how the election winner will...

read more
CARES Act – Returning unwanted 2020 RMDs

CARES Act – Returning unwanted 2020 RMDs

Article written by Brian Bickett   One of the key provisions of the CARES Act, the coronavirus relief act that took effect this spring, permitted retirement account holders to bypass required minimum distributions (RMDs) for 2020. RMDs are the annual withdrawals...

read more
Summary of the 2020 Social Security Trustees’ Report

Summary of the 2020 Social Security Trustees’ Report

The Social Security Board of Trustees released their annual report at the end of April once again this year.  The report for 2019 spans 276 pages that go into detail about the current financial status, future assumptions, and projections.  Once again…

read more

Start your journey to retiring with confidence today.