James Mayo, CFA, CFP®, EA

Hi, I’m James Mayo, a fiduciary financial planner who works primarily with people age 50 and older who are approaching retirement or already retired.

My firm is focused on the financial decisions that matter most in the years leading up to retirement and throughout retirement itself. That includes retirement income planning, tax planning, Roth conversion analysis, Social Security timing, Medicare and IRMAA planning, portfolio design, and withdrawal strategy.

I help clients think through how these decisions interact. A Roth conversion can affect Medicare premiums. Social Security timing can change the tax picture. Withdrawal strategy can affect both portfolio longevity and lifetime tax liability. Good retirement planning is not just about investments. It is about coordinating income, taxes, healthcare costs, and long-term portfolio decisions in a thoughtful way.

As a CFA charterholder, CFP® professional, and IRS Enrolled Agent, I bring expertise across investments, financial planning, and taxes. I am also able to coordinate tax preparation through IronFjord Tax Professionals, a separate tax firm under common ownership, which can help create continuity between year-round tax planning and tax filing.

I founded IronFjord to provide flat-fee, fiduciary advice that is transparent, practical, and built around clients’ best interests.