{"url":"https://nivawealth.com/firms/ironwood-wealth-management-128699","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/128699","regulatoryAum":233131125,"crd":"128699","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7839077","suffix":null,"lastName":"Watterson","firstName":"Megan","middleName":"Kay"},{"crd":"2679439","suffix":null,"lastName":"WILLIAMS","firstName":"JOHN","middleName":"DAVID"},{"crd":"7839019","suffix":null,"lastName":"Williams","firstName":"Tyler","middleName":"Mays"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-06-24","regulatoryAum":194965868,"clients":266,"employees":4,"offices":1},{"filedOn":"2022-03-01","regulatoryAum":213589404,"clients":275,"employees":3,"offices":1},{"filedOn":"2023-03-20","regulatoryAum":189708122,"clients":279,"employees":3,"offices":1},{"filedOn":"2024-04-02","regulatoryAum":192727234,"clients":276,"employees":3,"offices":1},{"filedOn":"2025-02-02","regulatoryAum":212837072,"clients":278,"employees":4,"offices":1},{"filedOn":"2026-03-03","regulatoryAum":233131125,"clients":276,"employees":3,"offices":1}],"secFileNumber":"801-62555","legalName":"Ironwood Wealth Management, Inc.","displayName":"Ironwood Wealth Management","slug":"ironwood-wealth-management-128699","website":"https://ironwood-wealth.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/128699/3bca7e602f830657-r1.webp","tone":"dark","width":837,"height":200,"sourceUrl":"https://ironwood-wealth.com/","sourceLabel":"Ironwood Wealth Management, Inc., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"xUrl":"https://twitter.com/ironwoodwealth","founded":"2002","organization":"West Virginia corporation","fiscalYearEnd":"December","headquarters":{"street":"18 Chase Drive, Chase Park","city":"Hurricane","state":"WV","stateName":"West Virginia","country":"United States","postalCode":"25526"},"tradeNames":[],"registration":{"secApproved":"2 January 2004","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":832978.6666666666,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":233131125,"discretionary":233131125,"discretionaryAccounts":676,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":197,"regulatoryAum":85272087},{"label":"High-net-worth individuals","clients":79,"regulatoryAum":144630025},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":3229013}],"feePrograms":[{"role":"main","program":"Investment Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013581","versionId":1013581,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-02","documentName":"IRONWOOD WEALTH MANAGEMENT, INC. 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Ironwood Wealth Management offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Ironwood Wealth Management charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Ironwood Wealth Management use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Ironwood Wealth Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Ironwood Wealth Management invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Ironwood Wealth Management?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Ironwood Wealth Management get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Ironwood Wealth Management?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 3 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/ironwood-wealth-management-128699/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-14","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1844821/000184482126000004/0001844821-26-000004-index.html","totalValue":236538960,"positionCount":21,"top10Share":0.8086946311085498,"top10":[{"issuer":"INVESCO EXCH TRADED FD TR II","titleOfClass":"SR LN ETF","cusip":"46138G508","value":25799679,"shares":1262833,"shareType":"SH","priorValue":24074301,"priorShares":1170929},{"issuer":"J P MORGAN EXCHANGE TRADED F","titleOfClass":"ULTRA SHRT ETF","cusip":"46641Q837","value":24869479,"shares":492953,"shareType":"SH","priorValue":23547797,"priorShares":466293},{"issuer":"PGIM ETF TR","titleOfClass":"PGIM ULTRA SH 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}