Understanding Investment Management
At Ironclad Financial, our approach to investment management is centered around understanding your unique financial situation, time horizon, and investment objectives. Whether your focus is on capital preservation, income generation, or aggressive growth, we tailor our strategies to align with your goals. Our offerings include both Non-Discretionary and Discretionary management, enabling you to choose the level of involvement that suits your needs.
Custodians and Investment Advisory Services
We partner with trusted custodians such as Altruist and Interactive Brokers to provide secure and efficient management of your assets. Depending on your preference, we offer both Investment Advisory services, where we provide advice without taking custody of your assets, and services involving Qualified Custodians, where assets are held securely under their care. This allows us to offer a flexible range of options tailored to your investment style and risk tolerance.
Client Suitability & Risk Management
At Ironclad Financial, we prioritize understanding your risk tolerance, risk capacity, and investment personality. Whether you're focused on capital preservation, income, growth, or aggressive growth, we develop strategies that align with your financial goals and risk profile. We also consider factors like asset location, asset allocation, and sequence of return risk to ensure your portfolio is optimized for your time horizon and objectives.
Time Horizon
We assess your investment time horizon—whether short, medium, or long-term—to tailor strategies that meet your objectives.
Investment Objectives
We define your investment objectives, such as growth, income, total return, or capital preservation, to create a plan that aligns with your financial goals.
Risk Management
We implement risk management strategies that include diversification across asset classes, geographies, and strategies to mitigate potential downsides.
Capital Preservation
Focused on minimizing risk and maintaining the value of your investment over time. This strategy includes defensive equities, high-quality bonds, and alternative assets like real estate and precious metals.
- Defensive Equity: Stable, cash-flow positive companies.
- Fixed Income: High-quality bonds and fixed-income securities.
- Alternative Assets: Real estate, precious metals.
Income Strategies
Designed to generate a steady income stream through a diversified mix of bonds, dividend-paying stocks, and income-focused ETFs.
- Fixed Income: Taxable and tax-free bonds.
- Dividend Yield: High-dividend stocks and ETFs.
- Defined Income: Income-focused ETFs.
Balanced/Core Portfolios
Aims to achieve a balanced total return by combining growth and income strategies. Includes a mix of equities, bonds, and alternative investments.
- Equity Allocation: Diversified across sectors and geographies.
- Fixed Income: Bonds and income-generating securities.
- Alternative Investments: Real estate, commodities.
Core Growth Strategies
Targets sectors with high growth potential, ideal for investors seeking long-term capital appreciation.
- Technology Innovation: Companies leading digital transformation.
- Emerging Markets: High-growth regions.
- Healthcare Innovation: Biotech and healthcare firms.
Aggressive Growth Strategies
Focuses on alternative assets and strategies for investors with a high-risk tolerance seeking significant returns.
- Alternative Assets: Private equity, digital assets.
- Alternative Strategies: Angel investing, hedge funds.
- Specialized Growth: Factor-based and thematic investing.