Ironwood Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, estate planning, insurance, retirement plan services, and tax planning.
Ironwood Wealth Management reports 276 clients. They include 197 individual clients and 79 high-net-worth individuals. Of its assets, 100.0% ($233M across 676 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 71% | 37% |
| High-net-worth individuals | 29% | 62% |
| Pension and profit-sharing plans | Fewer than 5 | 1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 197 | $85.3M | 36.6% | $433K |
| High-net-worth individuals | 79 | $145M | 62.0% | $1.83M |
| Pension and profit-sharing plans | Fewer than 5 | $3.23M | 1.4% | — |
| Total | 276 | $233M | 100% | — |
- Clients
- 197
- Regulatory AUM
- $85.3M
- AUM share
- 36.6%
- Avg. per client
- $433K
- Clients
- 79
- Regulatory AUM
- $145M
- AUM share
- 62.0%
- Avg. per client
- $1.83M
- Clients
- Fewer than 5
- Regulatory AUM
- $3.23M
- AUM share
- 1.4%
- Avg. per client
- —
Total
- Clients
- 276
- Regulatory AUM
- $233M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Ironwood Wealth Management charges 0.50%–1.00% a year for its Investment Management Services. The fee is billed in advance, is negotiable and has a $1,000 annual minimum. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning and Consulting (Stand-Alone)
- Stand-alone financial planning and consulting are fixed or hourly fees beginning at $250, rising with the scope and complexity of the service.
- Retirement Plan Consulting
- Retirement plan consulting is an asset-based fee generally between 0.25% and 1.00% of plan assets, charged monthly or quarterly in arrears.
John Williams owns 75% or more of Ironwood Wealth Management. The leadership team of Ironwood Wealth Management includes President John Williams. It has 3 employees.
Leadership
John WilliamsPresident/Chief Compliance Officer
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 75% or more of Ironwood Wealth Management, Inc.
John Williams
Control person · since December 2004
Ironwood Wealth Management’s regulatory assets grew from $195M (June 2021) to $233M (March 2026); clients were 276 in both filings and employees fell from 4 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $233M | 276 | 3 | 1 |
| February 2025 | $213M | 278 | 4 | 1 |
| April 2024 | $193M | 276 | 3 | 1 |
| March 2023 | $190M | 279 | 3 | 1 |
| March 2022 | $214M | 275 | 3 | 1 |
| June 2021 | $195M | 266 | 4 | 1 |
Besides its headquarters, Ironwood Wealth Management has 0 offices, with 1 listed address in West Virginia.
West Virginia · 1 listed address
- 18 Chase Drive, Chase Park, HurricaneHQ
Contact and registration details
- Legal name
- Ironwood Wealth Management, Inc.
- Headquarters
- 18 Chase Drive, Chase Park, Hurricane, WV 25526
- Website
- ironwood-wealth.com
- Phone
- 304-760-6000
- SEC file
- 801-62555
- Founded
- 2002
- Structure
- West Virginia corporation
- Fiscal year end
- December
Ironwood Wealth Management uses Charles Schwab ($233M) as custodian for its separately managed accounts. Ironwood Wealth Management does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $233M100%
At year end, Ironwood Wealth Management’s separately managed accounts were mostly in funds (98%). Its reported 13F holdings for the quarter ended 30 June 2026 total $237M across 21 positions; the largest are Invesco Exch Traded FD TR II (10.9%), J P Morgan Exchange Traded F (10.5%) and Pgim ETF TR (9.2%).
What the accounts hold
- Funds98%
- Cash2%
Reported 13F holdings
- $237M
- Reported 13F value
- 21
- Positions
- 80.9%
- In the 10 largest
- +6.0%
- Value vs. prior quarter
- Invesco Exch Traded FD TR II · SR LN ETF10.9%
- J P Morgan Exchange Traded F · Ultra Shrt ETF10.5%
- Pgim ETF TR · Pgim Ultra SH BD9.2%
- iShares TR · Core S&P US Vlu9.1%
- iShares TR · Core S&P Scp ETF9.0%
- iShares TR · Core S&P500 ETF7.7%
- iShares TR · S&P 500 Val ETF6.4%
- Vanguard Whitehall Fds · High Div Yld6.2%
- iShares TR · Core S&P US Gwt6.0%
- iShares TR · MSCI USA Min ETF5.8%
Together, the ten largest are 80.9% of reported value.
How many clients does Ironwood Wealth Management have?
Ironwood Wealth Management has 276 clients and manages $233 million for them, as of March 2026. They include 197 individual clients and 79 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 3 March 2026
What services does Ironwood Wealth Management offer?
Ironwood Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, estate planning, insurance, retirement plan services, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Ironwood Wealth Management charge?
Ironwood Wealth Management charges 0.50%–1.00% a year for its Investment Management Services. The fee is billed in advance, is negotiable and has a $1,000 annual minimum.
Source: IRONWOOD WEALTH MANAGEMENT, INC. ADV PART 2, filed 2 March 2026
Which custodians does Ironwood Wealth Management use?
Ironwood Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $233M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 March 2026
How many financial advisors does Ironwood Wealth Management have?
Ironwood Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Ironwood Wealth Management invest in?
At the end of its last fiscal year, Ironwood Wealth Management’s separately managed accounts held 98% registered funds (mutual funds, ETFs, BDCs) and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Ironwood Wealth Management?
Ironwood Wealth Management’s direct owner is John Williams (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 3 March 2026
How does Ironwood Wealth Management get paid?
Ironwood Wealth Management is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Ironwood Wealth Management?
Ironwood Wealth Management’s main office is at 18 Chase Drive, Chase Park, Hurricane, WV 25526. Its phone number is 304-760-6000. Its website is ironwood-wealth.com.